Free tools
Financial Calculators
Three free calculators to turn your numbers into a clear, actionable picture. No login. No data collected. Everything stays in your browser.
Three free calculators to turn your numbers into a clear, actionable picture. No login. No data collected. Everything stays in your browser.
Enter your income and instantly see your personalised spending targets. Adjust the period to work with how you get paid.
Find your monthly needs, wants, and savings targets.
How much do you need saved, and how long will it take?
Your emergency fund is the foundation of financial security. Calculate exactly how much you need and how long it'll take to get there.
See the power of compound interest. Project your wealth based on current savings, monthly contributions, expected return, and time horizon.
Project your portfolio value using compound interest.
Widely used rules of thumb from personal finance research and institutions.
| Metric | Guideline | Source |
|---|---|---|
| Emergency fund | 3–6 months of expenses | CFPB standard |
| Housing costs | ≤ 28–30% of gross income | Mortgage industry rule |
| Retirement savings rate | 15% of gross income (incl. employer match) | Fidelity / Vanguard |
| Debt-to-income ratio | ≤ 36% for total debt, ≤ 28% for housing | Lending industry |
| Total savings target (age 30) | 1× annual salary | Fidelity benchmark |
| Dining out / restaurants | 5–10% of food budget | USDA guidelines |
| Insurance (auto + home) | 4–6% of take-home pay | Financial planner consensus |
| Safe withdrawal rate (retirement) | 4% of portfolio per year | Trinity Study (1998) |