Savings calculators for the near term.
Goal dates, months of coverage, budget splits, and the rent-versus-buy crossover — the money math that governs the next few years, not the next few decades.
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Savings & Budget calculators
Savings Goal Calculator
Required monthly deposit to hit a target — or the date you hit it.
Emergency Fund Calculator
3, 6, or 12 months of coverage — how far you are and how long to fill it.
Inflation Calculator
Purchasing power over time — both directions, past and future.
50/30/20 Budget Calculator
Split monthly income into needs, wants, and savings — with editable percentages.
CD Ladder Calculator
Maturity schedule and blended APY across any number of ladder rungs.
Rent vs Buy Calculator
Full-cost comparison over your time horizon — with the crossover year.
How to use the savings & budget calculators
Short-horizon money has different rules than a retirement account. These calculators focus on certainty: the deposit required to hit a dated goal, the months of coverage your emergency fund actually buys, and a blended APY across CD ladder rungs where the return is contractual rather than hoped for.
The 50/30/20 calculator splits take-home pay into needs, wants, and savings with editable percentages, while the inflation and rent-vs-buy tools put today's decision in tomorrow's dollars — including the year at which buying overtakes renting on total cost.
Every calculator on this page keeps your inputs in the URL, so you can bookmark a scenario or send it to someone else and they will see the exact same result.