Compound interest
Interest compounds monthly at the nominal annual rate divided by 12.
Saving and personal budgets ↗THE SUMFIZZ LIBRARY
Saving and personal budgets calculators
Explore 25 free tools for saving and personal budgets. Find compound interest, simple interest, savings target contribution and more. Each calculator explains its inputs and method, with examples you can try using your own numbers.
THE SUMFIZZ LIBRARY
What are we working out?
Simple interest
Simple interest applies only to the original principal: principal × annual rate × years.
Saving and personal budgets ↗Savings target contribution
Assumes monthly compounding and deposits at month end.
Saving and personal budgets ↗Time to savings goal
Simulates month-end deposits and monthly interest.
Saving and personal budgets ↗Inflation-adjusted money
A constant inflation assumption compounds each year.
Saving and personal budgets ↗Effective annual rate
The effective rate includes interest on interest: (1 + nominal rate / periods)^periods − 1.
Saving and personal budgets ↗Present value
Discount the future amount by the periodic growth factor raised to the number of periods.
Saving and personal budgets ↗Future value of a lump sum
This lump sum has no additional contributions.
Saving and personal budgets ↗Annuity value
An ordinary annuity pays at each period end.
Saving and personal budgets ↗Savings contribution growth
The monthly deposit increases once at each year boundary.
Saving and personal budgets ↗Savings rate
Use income and savings measured over the same period.
Saving and personal budgets ↗Emergency fund target
Multiply essential monthly expenses by the coverage period you choose.
Saving and personal budgets ↗Budget allocation
Percentages need not total 100%; the unallocated result highlights a gap or overspend.
Saving and personal budgets ↗Subscription spending
Enter monthly-billed and annual-billed subscriptions separately.
Saving and personal budgets ↗Sinking fund planner
Divide the remaining funding gap by the number of scheduled deposits before the deadline.
Saving and personal budgets ↗Net worth
Use current estimated values and outstanding debts, counted once each.
Saving and personal budgets ↗Cash runway
Assumes income and expenses stay constant.
Saving and personal budgets ↗Real return
Use the ratio of gross return and price-growth factors, rather than simply subtracting the rates.
Saving and personal budgets ↗Investment fee impact
Models fees as a fixed subtraction from the annual nominal return, then compounds monthly.
Saving and personal budgets ↗Dividend income scenario
Assumes a constant holding value and yield.
Saving and personal budgets ↗Portfolio allocation
Target weights must sum to 100%.
Saving and personal budgets ↗Currency exchange cost
Deduct source-currency fees before conversion.
Saving and personal budgets ↗Foreign purchase comparison
All delivery and extra charges must already be in the home currency.
Saving and personal budgets ↗Education savings goal
Each study year’s cost grows separately.
Saving and personal budgets ↗Retirement spending runway
Withdraw at each year start, then apply the assumed annual return.
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