YOUR MONEY / ONE PLAN
Plan your money,
month by month.
See what is left after bills, debt payments and investing. Check whether a future home or car could stretch your savings too far.
Privacy and downloaded records
No bank linking, credit inquiry or financial-field upload. Browsers may retain form values, and hosting may process ordinary page-request information. JSON downloads contain your financial inputs; store them privately. CSV contains the annual table only.
BUILD YOUR PLAN
A few numbers to start.
Complete steps 1–3. Add debts or purchases in step 4, then a savings goal in step 5 if you want one. All money is in US dollars; enter numbers without $ signs or commas. Use 0 for none.
IF YOU WANT MORE DETAIL
Follow the plan over time.
See the full year-by-year table
Each row shows one year's money in and out, followed by the balances left at year-end. A negative cash balance means the plan needs money it does not have. Investments after a cash shortfall assume you still make the planned contributions. Home and car values are not included. Figures are future dollars, not adjusted for inflation.
See gross wages, taxes and deductions each year
Taxes are recalculated after each annual gross-wage change. The 2026 rules and entered annual deduction, credit, extra-withholding and state/local tax amounts stay fixed in every year. Payroll retirement contributions reduce take-home cash, but their accounts and contributions are excluded from projected investment balances. Do not enter those contributions again as a cash investment.
See when each debt could be paid off
A PLANNING MODEL / NOT A FORECAST
What the picture assumes.
Take-home pay, gross wages and annual raises
Choose known take-home pay to enter money already available after taxes and payroll deductions. Weekly means 52 payments a year, every two weeks means 26, twice a month means 24, and monthly means 12. For example, $2,300 every two weeks is $59,800 a year; twice a month is $55,200. In this mode, the annual raise compounds net pay from year 2. No further income tax is subtracted.
Choose the gross-wage estimate to calculate supported federal income and employee payroll taxes, benefit deductions and your entered state/local tax amount. Each earner’s annual gross wages change from year 2 and taxes are recalculated each year. The 2026 tax rules, filing status and entered annual deduction, adjustment, credit and state/local dollar amounts stay fixed. This simplified estimate does not predict future tax law or actual withholding; review its sources and limits in the salary section.
Both modes divide annual take-home income into average monthly amounts, with remaining cents distributed through the year. Actual paydays, 27-paycheck years and within-month cash timing are not modeled.
Costs, investing and funding gaps
Living costs exclude the separately entered loan payments and investment contribution. Current and future recurring costs are entered in today's dollars; the active combined amount grows once per year starting in year 2. Upfront purchase cash and fixed loan payments do not grow.
Investments earn the entered effective annual return, converted to an equivalent monthly rate. Growth is rounded to cents monthly and the fixed contribution is added at month-end. A stated 8% is an editable assumption, not a forecast or guarantee. Cash earns no interest. Investment taxes, fees, inflation-adjusted purchasing power, employer matches, withdrawals and retirement-income rules are excluded. In gross-wage mode, payroll retirement contributions reduce take-home cash, but their accounts and contributions are excluded from the investment projection. Do not enter those contributions again as a monthly cash investment. Use the retirement planner for explicit retirement-spending scenarios.
When cash falls below zero, the plan is marked unfunded. The tool does not borrow money, sell investments, reduce costs or stop contributions to cover the gap. Later investment balances remain conditional illustrations. Cash plus investments minus entered debt excludes home/car values and other assets or liabilities; it is not complete net worth.
Existing debts and payoff timing
Each balance accrues the nominal annual interest rate divided by 12, rounded to the nearest cent, then receives its fixed payment plus extra payment at month-end. The final payment is limited to the amount due. Freed payments remain as cash starting the following month; they are not automatically added to another loan or investment.
Credit cards are approximated using a fixed payment. New purchases, changing minimums, daily interest, fees, promotional rates, refinancing, variable rates and lender-specific rules are excluded. A payment that does not cover interest can increase the balance; that debt remains in the picture. Only entered loans are modeled.
Future home and car purchases
Choose the first month of ownership. That month includes the upfront cash, first loan installment and recurring ownership costs. Upfront cash means down payment plus purchase/closing/moving costs actually paid; a reserve kept in your account is not an outflow. Enter new loan principal separately, including financed costs once. Buying is not simulated as a cash deposit of the loan proceeds.
Added monthly costs exclude the new loan payment. Include taxes, insurance, maintenance, utilities, fuel and other recurring costs as appropriate. Replaced costs must already be in current living costs—such as rent or a transport allowance—and together cannot exceed those costs. They stop when the purchase starts. Existing debts continue unless their modeled payments pay them off; a future purchase does not sell an old asset or settle an old loan automatically.
New loans use a fixed-rate installment over the entered term. The last installment settles any residual from cent rounding and can differ from the regular payment. Home terms are 1–600 months; car terms are 1–120 months. Manual rates are hypothetical; no credit score, approval or borrowing limit is inferred. Asset appreciation, depreciation, resale and home equity are outside the picture.