Budget and savings plan
Find monthly surplus and the time needed for your goal.
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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