Split your paycheck, build a 6-month emergency fund, and watch compounding work for you.
1) Your Inputs
Long-term (e.g., index funds).
Cash for emergencies.
6 × monthly expenses
Ready
2) Results & Insights
Investing total (end)
$0
Savings balance (end)
$0
Emergency fund goal
$0
Time to reach EF
—
Emergency Fund Progress
Current
$0
Goal
$0
Investing: Contributions
$0
Investing: Growth
$0
Savings: Contributions
$0
Savings: Interest
$0
Order of Operations
Assumes consistent contributions & returns
Build your emergency fund to 6 months of expenses.
Invest15% of each paycheck.
After your emergency fund is full, redirect the Savings % to Investing.
Milestone
EF: —
$100k invested
—
$250k invested
—
$500k invested
—
Debt Payoff
Enter one or more debts. Strategy defaults to Avalanche.
Ready
Summary
Time to payoff
—
Total interest
$0
Total paid
—
Strategy
Avalanche
Mortgage
Ready
Summary
Principal
$0
Monthly P&I
$0
Total interest
$0
Time to payoff
—
Crypto DCA
Model dollar-cost averaging into a major crypto over time. Prices are simulated around a starting price (manual, live API, or defaults).
Starting price: —
If set, this is used as the starting price.
Leave blank to use live/API or defaults.
Developer settings (optional): live price API
Your key is stored only in this browser via localStorage and used to fetch the current USD price for the selected coin.
Ready
Summary
Units accumulated
0
Average cost
$0
Ending value
$0
Max drawdown
—
Scenario Comparison Lab
Compare two paycheck plans side-by-side and see which reaches your goals faster.
Scenario A label
Invest %
Save %
Scenario B label
Invest %
Save %
Ready
Comparison Results
Better end investing
—
Faster EF completion
—
Scenario A end value
$0
Scenario B end value
$0
FutureCalc is an educational tool only and does not provide financial, investment, tax, or legal advice. Please consult a qualified professional before making financial decisions.