Income & Savings Calculator

Track your income, expenses, and find opportunities to increase your savings

Income Details

%

Housing

Fixed Monthly Expenses

Variable Monthly Expenses

Monthly Summary

Gross Monthly Income $5,000
Tax Deductions $1,250
After-Tax Monthly Income $3,750
Housing $1,500
Total Fixed Expenses $2,400
Total Variable Expenses $1,150
Total Savings & Investments $800
Savings Rate 16%
Gross Monthly Income $5,000
Tax Deductions $1,250
Housing $1,500
Fixed Expenses $2,400
Variable Expenses $1,150
Savings Rate 16%
After-Tax Monthly Income $3,750
Total Savings & Investments $800

Monthly Income Allocation vs. Gross Monthly Income

This waterfall chart shows how your monthly income is allocated across expenses, savings, and taxes, with your gross monthly income shown for comparison.

Savings Analysis

Analyze how your savings will grow over time and see the impact of increasing your monthly contributions.

Current Plan

Monthly Savings: $800

After 20 years: $392,143

With Additional Savings

Monthly Savings: $900

After 20 years: $441,161

Difference: +$49,018

With Spending Targets

Monthly Savings: $800

After 20 years: $392,143

Difference: +$0

Discretionary Spending Analysis

Analyze your discretionary spending to find potential savings opportunities.

Spending Target Sensitivity

Set target spending amounts to see potential savings. Any input greater than zero will show on the chart.

Total Monthly Savings from Targets: $0

Impact of savings can be seen in the Savings Analysis chart above