Budget & Savings Calculator
Work out what you can actually invest each month, and what happens once you do
New to this? Start with the Saving & Budgeting guide.
Investable Surplus
What is actually left after the bills and the day-to-day. Every other calculator on this page starts from this number.
Emergency Fund
Common guidance is three to six months of essential expenses set aside before money goes into markets. This works out where you stand.
Pay Debt or Invest
Paying down debt returns the interest rate, with certainty. Investing returns an average, with none. This compares the two on the same dollar.
Savings Goal Timeline
How long a goal takes at your current pace. Leave the return at 0 for a plain savings account; add a rate to model an invested balance.
Monthly Contributions, Compounded
The CAGR tool on the Trading Calculator measures a lump sum. This one measures money added every month, which is how most accounts actually grow.
The 50/30/20 Split
A reference point, not a rule. Expensive cities push past 50% on needs routinely, so treat a miss as information rather than failure.
⚠️ Educational Use Only
These calculators are for educational purposes only and are not financial advice. Results are estimates: they ignore tax, inflation, fees and any change in your circumstances, and any assumed rate of return is an assumption, not a forecast. Consider speaking with a qualified professional about your own situation.