Finance: Budget Planner, Loan Calculator & Compound Interest Growth Charts

Add each income source (wages, allowance, freelance) with its amount and weekly or monthly frequency, then add expenses under categories like rent, groceries, tuition, or transport. The dashboard converts everything to a monthly scale and totals income against spending.

A weekly amount is converted to its monthly equivalent by multiplying by 52/12, so a part-time paycheck and a monthly rent charge add up on the same scale.

The breakdown lists every expense category sorted by size, each with its share of your total spending and of your income. The biggest line item gets an eye-opener card showing how much a 15% trim would free up per month.

Monthly income minus monthly expenses is your leftover: what you actually keep each month, or lose when it is negative. Multiply it by your semester length, settable from 1 to 24 months, to project what you will have saved by term end. Your entries are saved only on this device and nothing is uploaded.

Enter each loan’s amount, APR, and term in years. The standard monthly amortization formula gives the required payment, the total interest over the full term, and the total paid. All loan math runs locally in your browser.

The extra amount is added to your payment each month and hits the balance directly after that month’s interest accrues. The simulator runs the schedule month by month and shows the earlier payoff date, the months you cut, and the interest dollars saved.

Snowball clears the smallest balance first for momentum; avalanche targets the highest APR first and always costs less interest. The scenario planner here uses avalanche: every loan receives its required minimum, and all extra money goes to the highest-rate loan first.

On top of a flat extra payment you can add an annual step-up that raises your total monthly outlay by a percentage each year, and a yearly lump sum (a bonus or refund) that goes straight at the highest-rate loan. The balance timeline shows how much faster each plan finishes.

You earn interest on your original money and on the interest already added, so growth accelerates over time. The projection shows this year by year and splits what you contributed from what interest produced.

You can compound yearly, quarterly, monthly, or daily. Your annual rate is divided by the number of periods per year, so more frequent compounding ends slightly higher at the same rate; the frequency also sets how often each contribution is added.

Enter a realistic long-run annual return for where the money would actually sit, such as a savings rate or an index fund average. It is used as a fixed assumption for every year, so the chart is a plan, not a promise; real markets swing year to year.

Growth is exponential, so your money doubles on a fixed cadence. The insight card shows the exact number of years for your starting amount to double at your rate and frequency (roughly 72 divided by the rate), and a longer horizon lets every contribution pass through more of those cycles.

Enter your target corpus and horizon. The solver grows your starting amount to the end of the horizon, treats whatever is still missing as the amount contributions must cover, and uses the standard monthly annuity formula to show the exact contribution needed each month. You can switch it to solve for years instead, at your current contribution.

Every extra year adds compounding periods to both your starting balance and each contribution, so the required monthly amount drops, often sharply, when you give the plan more runway. The years-needed figure shows when your current contribution alone reaches the goal, so you can compare it against your horizon.

When the plan ends below target, the status card shows the exact gap. Close it with the same inputs: raise the contribution, extend the years, or adjust the assumed return. The Monthly Needed figure tells you precisely what the gap costs per month on your current horizon.

The reverse solve always models contributions monthly at your annual rate, whatever compounding frequency the growth chart uses, and treats the rate as fixed with no taxes or fees. Everything is computed locally in your browser.