CASH FLOW
Before payday
Estimate what may remain after bills due before payday.
Pick a starting point
Find a calculator for your question.
Explore quick, interactive estimates for everyday money decisions.
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Everyday money
Budgeting & daily cash flow
BUDGET
50/30/20 budget
Split take-home pay into needs, wants, and saving or debt.
NET WORTH
Net worth snapshot
Compare the assets you list with debts and other liabilities.
SAVINGS
Emergency fund
Set a reserve target from essential monthly expenses.
Borrow with a plan
Debt & loans
PAYOFF
Debt payoff estimate
Estimate payoff time and interest with a steady payment.
LOAN
Monthly loan payment
Estimate a payment and total interest for a fixed-rate loan.
Build at your own pace
Saving & investing
GROWTH
Steady saving
Illustrate how monthly contributions might grow over time.
SAVINGS GOAL
Savings goal
Find a monthly amount to work toward a target by a date.
Look ahead
Retirement & major life events
INFLATION
Inflation impact
Illustrate how rising prices can change future buying power.
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Cash flow before payday
What may be left before payday?
Start with what is available now, add income expected before payday, then subtract the bills due in between.
ESTIMATED ROOM AFTER LISTED BILLS$600
This is only as complete as the income and bills you entered.
Money available Bills due
This quick view does not include unlisted bills, pending transactions, spending, or timing differences. Add the dates and amounts that apply to your household.
2 · Steady saving
What might steady saving
add up to over time?
Change the assumptions to see how monthly contributions and a hypothetical return could grow. This is an illustration, not a forecast.
$
$0$2,000/mo
years
1 year40 years
%
0%12%
$
$0$100,000
Estimated ending balance$0
Total contributed$0
Illustrated growth$0
Estimated balance Contributions
Assumes monthly contributions at month-end and a constant annual return compounded monthly. Excludes taxes, fees, and inflation. Actual returns vary and can be negative.
3 · Emergency savings
What savings target fits your plan?
Choose a monthly essential-expense amount and a number of months to illustrate a target. Your needs and priorities may call for a different amount.
ILLUSTRATIVE TARGET$9,000
$7,500 to reach this target
Saved: 17%12-month pace: $625/mo
A reserve target is a planning choice, not a rule. Consider job stability, insurance, upcoming costs, and other household needs.
4 · Debt payoff estimate
How long could this balance take?
Estimate a payoff path with a steady monthly payment and no new charges. Compare the result with your actual lender statement.
ESTIMATED PAYOFF—
Estimated time with these assumptions
Estimated interest: $0Total paid: $0
Uses a monthly rate of APR ÷ 12 and assumes no new charges, fees, or payment changes. Lender calculations and payment timing can differ.
Financing · Fixed-rate estimate
What might the monthly payment look like?
Estimate a fixed-rate loan payment from the amount financed, annual interest rate, and loan term. Compare the illustration with an actual lender quote.
ESTIMATED MONTHLY PAYMENT$0
Illustration for a fixed-rate loan with monthly payments.
Total of payments: $0Estimated interest: $0
Illustration assumes a fixed rate, equal monthly payments, and no fees, taxes, insurance, or additional costs. Actual lender terms and payment timing may differ.
Budgeting · 50 / 30 / 20
Give each dollar a starting place.
Use take-home income to see one common budgeting split: 50% needs, 30% wants, and 20% saving or debt payoff. Adjust the plan to fit your household.
ILLUSTRATIVE MONTHLY TARGETS
Needs · 50%$2,500
Wants · 30%$1,500
Saving & debt · 20%$1,000
These percentages are a starting point, not a rule. Your priorities and costs may call for a different split.
This simple framework does not determine which expenses belong in each group or account for irregular income and expenses.
Budgeting · Net worth snapshot
What do you own and owe today?
List a few major assets and balances to create a simple snapshot. Update it over time if you want to see how it changes.
ESTIMATED NET WORTH$88,000
Based on the assets and liabilities you entered.
This is a simplified snapshot, not a valuation. Include relevant assets and debts and use current estimates where possible.
Savings · Goal planning
Turn a target into a monthly step.
Work backward from an amount and timeline to estimate a steady monthly contribution, without assuming interest or investment growth.
SUGGESTED MONTHLY AMOUNT$250
Based on the remaining amount and timeline you entered.
Does not include interest, fees, taxes, or changes in the amount you have saved.
Looking ahead · Inflation
See how prices can change over time.
Use an assumed inflation rate to illustrate the future cost of something, or the buying power of an amount held in cash.
ILLUSTRATIVE PURCHASING POWER$5,537
An amount of $10,000 today could buy what about $5,537 buys today.
Future cost of same item: $18,061
Uses a constant inflation assumption for illustration. Actual inflation changes over time, and this is not a forecast.
Plans are made from your numbers