Budget and savings plan
Find monthly surplus and the time needed for your goal.
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This plan uses the income, expense and date assumptions you enter; it does not guarantee future prices or affordability. It does not monitor your bank account or make payments. Check your budget and actual payment terms before spending or borrowing.
This report uses rules and calculations; it is not AI-generated.
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Calculation method
Essential and flexible spending are subtracted from income. A positive surplus divides the remaining savings target, rounded up to whole months.
Surplus = income − housing − food − transport − debt − flexible; months = ceil(max(0,goal−savings)/surplus)Assumptions and limits
Income and spending are assumed constant. Three months of reserves is an example threshold. The report uses rules, not AI.
Worked example
- Monthly net income
- 50,000.00
- Housing cost
- 15,000.00
- Food cost
- 6,000.00
- Transport cost
- 3,000.00
- Monthly debt payments
- 4,000.00
- Flexible spending
- 5,000.00
- Current savings
- 20,000.00
- Savings goal
- 60,000.00
Monthly surplus17,000.00