Enter your assumptions
Edit any field and calculate again to compare scenarios.
Monthly amount left
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Monthly expenses—
Savings rate—
Annual income—
Annual surplus—
Download this estimate as Excel (summary + details). Excel files and cash-flow insights are generated locally in your browser.
Results depend on your inputs and assumptions. They are not investment, lending, legal, tax, or other professional advice.
The most useful number is what remains
Breaking spending into housing, essentials, fixed costs, and flexible spending makes it easier to see your monthly surplus and savings rate.
How should you use the result?
Try at least three scenarios: conservative, base, and optimistic. Interest rates, returns, income, and expenses can all change over time.
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