Track every income stream and expense, visualize your savings rate, project 10-year wealth growth, and stress-test lifestyle changes with interactive what-if scenarios.
Build a living picture of your monthly cashflow, then use the dashboard and simulator to decide where to optimize.
Add salary, side income, rent, subscriptions, and savings allocations. Totals update instantly and persist in your browser.
See net savings, savings rate, category breakdown, emergency-fund progress, and a financial health score with unlockable badges.
Trim expenses, boost income, or change assumed investment returns to compare baseline vs optimized 3-, 5-, and 10-year nest-egg projections.
No. Your income, expenses, and simulator settings are saved only in your browser’s local storage. Export a JSON backup anytime from the planner toolbar.
Savings rate is monthly net savings (income minus expenses) divided by gross income. Many planners target 20–30% or higher; the dashboard shows how you compare.
It assumes you invest your monthly surplus each month at a fixed annual return (default 8%), compounded monthly. Adjust the return in the What-If tab to model conservative or aggressive markets.
Debt paydown and direct savings targets are protected so the simulator does not cut committed debt or savings goals. Discretionary categories scale with the trim slider.
Use Reset Demo to reload sample data, or Export to download your profile. Embed this calculator on your site with the Copy Embed Code button above the planner.
Yes — completely free with no signup. Works in any modern browser with JavaScript enabled.
⚠️ Disclaimer: This calculator is for educational and informational purposes only. It does NOT constitute financial, investment, tax, or legal advice. Projections assume steady returns and do not reflect real market volatility. Consult qualified professionals before making financial decisions. View full Terms of Service & Disclaimer.