Savings & Budgeting
Spend Less. Save More. Build Wealth.
Emergency fund sizing, savings rate, 50/30/20 budget analyzer, sinking funds, goal-based savings, 529 planning, net worth milestones, and the long-term wealth impact of every dollar saved, the complete budgeting toolkit.
Savings Foundations
Emergency Fund Sizer
Calculate the right emergency fund size for your situation, accounting for job stability, income type, and fixed expenses.
Size your emergency fund
Savings Rate Calculator
Calculate your true savings rate, and see how even a 5% increase dramatically shortens your path to FIRE.
Calculate savings rate
Sinking Fund Calculator
Plan monthly contributions to future large expenses, car, vacation, home repair, so they do not derail your budget.
Build sinking funds
Savings Goal Timeline
Work backwards from any savings goal to find the monthly amount needed, with a visual timeline to target date.
Build your timeline
HYSA Compounding Calculator
See how much more your cash earns in a 4% to 5% high yield savings account vs the 0.01% at your big bank.
Maximize your yield
CD Ladder Builder
Build a rung by rung certificate of deposit ladder with staggered maturities and the best available rates.
Build your ladder
Money Market vs HYSA Calculator
Compare real after tax yields between money market accounts and high yield savings to find the best home for your cash.
Compare cash accounts
Budgeting Frameworks
50/30/20 Budget Analyzer
Enter your income and spending, see how your budget maps to the 50/30/20 framework with actionable rebalancing suggestions.
Analyze your budget
Zero-Based Budget Builder
Allocate every dollar of income to a category until nothing is left unassigned, the most effective budgeting method.
Build your budget
Spending Leak Detector
Identify the categories where your spending is leaking, and the long term wealth cost of each dollar wasted.
Find your leaks
Pay Yourself First Calculator
Reverse the order, save first, spend what is left. Calculate the exact automatic transfer amount to hit your goals.
Reverse your budget
Envelope Budget Calculator
The classic cash envelope method, applied digitally. Split your income across envelopes for every spending category.
Split by envelope
Variable Income Budget Calculator
Built for freelancers and commission workers, a percentage based budget that flexes with your monthly income swings.
Budget variable income
Goal-Based Savings
House Down Payment Calculator
Set a target price, timeline, and down payment percent. Get the monthly auto save amount to hit your number.
Save for a down payment
Wedding Fund Calculator
Plan and save to your wedding date. Set a total budget, timeline, and track what you need to save each month.
Plan your wedding fund
Car Purchase Savings Calculator
Cash purchase vs financing, calculate the real break even and how much to save monthly to skip a car payment.
Save for a car
Travel & Vacation Fund Calculator
Pick a trip budget and departure date. Calculate the weekly or monthly auto save amount to hit your goal stress free.
Fund your trip
Baby Fund Calculator
First year baby costs estimator plus a save up timeline so you are not caught off guard by hospital bills and gear.
Save for a baby
Life Event & Family Savings
529 College Savings Calculator
Calculate the monthly 529 contribution needed to cover your target college cost, adjusted for tuition inflation.
Plan 529 savings
Kid's First Million Calculator
What $50, $100, or $500 per month from birth grows to at 18, 25, and 65. The power of early compounding, visualized.
Start their wealth clock
Newborn-to-College Cost Projector
The full 18 year cost of raising a child, daycare, activities, healthcare, food, college, with a matching savings plan.
Project 18-year costs
Holiday & Gift Savings Calculator
Avoid the December credit card spiral. Calculate the monthly amount to ramp to your holiday budget by year end.
Plan your holidays
Wedding Gift Budget Calculator
How much to spend per guest based on relationship, venue, and your own income, so wedding season does not wreck your budget.
Budget gift spending
Wealth Building
Net Worth Milestone Tracker
Set net worth milestones and project when you will hit each one based on your current savings and return rate.
Track milestones
Latte Factor Calculator
Model the 30 year investment value of any recurring discretionary expense, daily, weekly, or monthly.
Calculate latte factor
Automatic Savings Optimizer
Find the ideal split between emergency fund, retirement, and taxable investing based on your current financial stage.
Optimize your savings
Lifestyle Inflation Cost Calculator
See the 20 year wealth cost of upgrading your lifestyle each time your income goes up, the hidden tax on earning more.
Calculate lifestyle cost
Net Worth Growth Rate Calculator
Track your year over year net worth growth rate against benchmarks for your age, income, and stage of life.
Track growth rate
Wealth Milestones by Age Calculator
Am I ahead, on track, or behind? Benchmark your net worth by age against typical targets and top performers.
Benchmark by age
Savings Challenge Calculator
52 week challenge, 365 day penny challenge, no spend month, project totals and invested value for each challenge.
Run the challenge