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Monthly Budget & 50/30/20 Cash Flow Planner

Compare your actual spending against the 50% Needs, 30% Wants, and 20% Savings benchmark.

Needs (50% Target) On Track

$2,650

Actual: 45.7% / Ideal: $2,900

Wants (30% Target) On Track

$1,120

Actual: 19.3% / Ideal: $1,740

Savings & Debt (20%+) Great Goal

$1,350

Actual: 23.3% / Ideal: $1,160

1. Monthly Net Take-Home Income

Primary Net Paycheck ($/mo)

$

Side Hustle / Other Income ($/mo)

$

Add Custom Budget Line Item

Cash Flow Allocation

Total Income $5,800

Net Monthly Cash Flow

Unallocated surplus remaining

+$680.00

Total Monthly Outflow

$5,120

Annualized Savings

$16,200/yr

Comprehensive Mortgage & PITI Suite

Full Principal, Interest, Property Tax, Homeowners Insurance, HOA & automatic PMI calculation.

Home Purchase Price ($)

Down Payment ($)

Down (%)

Loan Term

Interest Rate (%)

Property Tax ($/yr)

Home Insurance ($/yr)

HOA Dues ($/mo)

PMI Rate (%/yr if <20%)

Total Monthly $2,739.23

Principal & Interest $2,149.03

Property Taxes $400.00

Home Insurance $125.00

HOA Dues $65.00

Mortgage Insurance (PMI) $0.00

Loan Principal

$340,000

Total Interest

$433,651

Total of Payments

$773,651

Payoff Date

Oct 2056

Amortization Schedule

Year	Principal Paid	Interest Paid	Total P&I	Remaining Balance

Loan & Extra Payment

Loan Amount ($)

$

Interest Rate (%)

%

Loan Term (Months)

Optional Extra Monthly Payment ($)

$

Applied directly toward principal each month to shave off interest and months.

Required Monthly

$632.13

Base payment

Total Interest

$5,927.85

With extra payment

Total Loan Cost

$37,927.85

Principal + Interest

Accelerated Payoff Active!

By adding $100/mo, you save $916.42 in interest and pay off your loan 8 months earlier (52 mos instead of 60 mos).

Principal (86%) Interest (14%)

Credit Card & Debt Snowball vs. Avalanche Planner

Compare Highest-APR-First (Avalanche) against Smallest-Balance-First (Snowball) and Minimums Only.

Extra Monthly Debt Boost ($)

$

Active Payoff Strategy

Add Credit Card or Loan

Avalanche (APR)

24 mos

Int: $2,140

Snowball (Bal)

25 mos

Int: $2,295

Minimums Only

58 mos

Int: $5,420

Debt-Free Target Date

Oct 2028

Interest Saved vs Minimums

$3,280

Payoff Order & Timeline (Avalanche)

Order	Account	APR	Paid Off In	Interest Paid

Compound Interest, Inflation & 4% Retirement Planner

Project nominal wealth growth, inflation-adjusted purchasing power, and safe 4% monthly retirement income.

Initial Principal ($)

Monthly Contribution ($)

Annual Return (%)

Years to Grow

Inflation Rate (%)

Compounding

Nominal Future Value

$823,510

Today's Dollars (Real)

$444,195

Total Contributions

$220,000

4% Safe Withdrawal

$2,745/mo

Year-by-Year Wealth Trajectory (Total Interest: $603,510)

Principal & Deposits Compound Interest

Salary & Hourly Paycheck Converter

Convert gross & estimated net pay across all pay frequencies

Input Amount ($)

Input Basis

Hours / Week

Paid Weeks / Year

Est. Effective Tax + Withholding 22%

Pay Period	Gross Pay	Est. Taxes	Net Take-Home

Business Margin, Markup & Break-Even

Calculate gross profit, markup % & overhead break-even units

Unit Cost ($)

Selling Price ($)

Monthly Fixed Overhead Costs ($)

Gross Profit / Unit

$33.00

Gross Margin (%)

44.00%

Markup (%)

78.57%

Break-Even Units

100 units

Revenue Required to Break Even: $7,500.00/mo

BMI, BMR & Daily Calorie (TDEE)

Mifflin-St Jeor metabolic energy expenditure

Gender

Age (yrs)

Weight (lbs)

Height (Feet)

Height (Inches)

Activity Level

BMI Score

24.7

Normal

Basal (BMR)

1,745

kcal / day

Maintenance

2,705

TDEE kcal/day

Road Trip Fuel & Passenger Cost Calculator

Distance (mi)

Efficiency (MPG)

Gas Price ($/gal)

Passengers

Fuel Needed

13.5 gal

Total Trip Cost

$46.74

Cost / Person

$15.58

Square Footage, Paint & Concrete Estimator

Length (ft)

Width / Height (ft)

Paint Coats

Slab Depth (in)

Total Area

384 sq ft

Paint (350sf/gal)

2.2 gal

Concrete Volume

4.74 cu yd

3-in-1 Smart Percentage Solver

1. What is X% of Y?

% of

Result: 45.00

2. X is what % of Y?

of

Percentage: 25.00%

3. % Change (From X to Y)

to

Change: +30.00%

Restaurant Tip & Bill Splitter

Bill Subtotal ($)

Sales Tax ($) (Optional)

Tip Percentage (%)

Split Between People

Total Tip

$28.50

Grand Total

$182.40

Each Person Pays

$45.60

Stacked Retail Discount & Sales Tax

Original Price ($)

Store Discount (%)

Extra Coupon (% Off)

Sales Tax (%)

Total You Save

$71.50

Sales Tax

$8.91

Final Checkout

$157.41

Exact Calendar Date / Age Span & Working Days Calculator

Start Date (or Birth Date)

End Date

Exact Calendar Span

31 Years, 4 Months, 10 Days

Total Days

11,455

Working Days

8,182

Total Weeks

1,636.4

Total Hours

274,920

CalcMaster Studio