What is the 50/30/20 rule?
The 50/30/20 rule splits your after-tax income into three buckets: 50% for needs, 30% for wants, and 20% for savings and debt repayment. FinCalc's Budget calendar shows your current split and what to adjust.
Make sense of your money with FinCalc
Powerful, easy-to-use calculators for mortgages, savings, budgets, and debt. Understand your money, plan your future, and take control of your finances.
Seven calculators, one clear picture
From buying a home to retiring comfortably, each tool turns a few numbers into confident financial decisions.
Mortgage Repayments Calculator
See your monthly payment, total interest, and payment-by-payment amortization for any home loan.
- • Monthly payment & total interest
- • Adjustable loan term & rate
- • Full amortization breakdown
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Compound Interest Calculator
Project the future value of your investments with flexible compounding and recurring contributions.
- • Future value projections
- • Daily to yearly compounding
- • Recurring contribution support
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Budget & Cash Flow Calculator
Build a monthly budget around your income and split spending into needs, wants, and savings.
- • Income vs. spend breakdown
- • 50/30/20 budget targets
- • Actionable savings tips
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Debt Payoff Strategy Calculator
Compare snowball, avalanche, and minimum-payment plans to become debt-free faster for less interest.
- • Snowball vs. avalanche comparison
- • Interest & payoff time
- • Debt payment order
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Retirement Savings Gap Calculator
Find the monthly shortfall between your current saving rate and the corpus you need for retirement.
- • 4% withdrawal retirement target
- • Monthly savings gap
- • What-if work/save scenarios
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Emergency Fund Calculator
Size your safety net around your essentials and job stability, then see how to reach it fastest.
- • Months of cover guidance
- • Essential expense breakdown
- • Time-to-goal projection
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Loan Consolidation Calculator
Stack your loans against a single consolidation loan to compare interest, fees, and payments.
- • Separate vs. consolidated cost
- • Monthly cash-flow impact
- • Per-loan payoff detail
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Built for clarity, not complexity
FinCalc strips away the jargon and gives you straightforward answers. Enter a few numbers, get instant results, and make confident financial decisions — whether you are budgeting a month, clearing debt, or planning decades of retirement.
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Frequently asked questions
Straight answers to the questions people ask most about personal finance.
How much should I keep in an emergency fund?
Most financial planners recommend 3 to 6 months of essential expenses in a liquid savings account. FinCalc sizes your target from your monthly essentials and job stability.
What is the 4% retirement rule?
The 4% rule says you can withdraw 4% of your retirement corpus in your first year and adjust for inflation afterward, with high confidence that your savings last 30 years. FinCalc uses it to estimate the corpus you need for your target income.
Snowball or avalanche: which debt method is better?
Avalanche pays off the highest-interest debt first and costs the least overall; snowball pays off the smallest balance first and builds momentum. FinCalc simulates both so you can compare payoff time and total interest.
Should I consolidate my loans?
Consolidation is cheaper only when the new interest rate plus fees costs less than paying your current loans separately. FinCalc compares total interest, fees, and monthly payments for both options.
How does compound interest work?
Compound interest means you earn interest on both your original money and the interest it has already earned. Contributing regularly and starting early gives the compounding curve more time to accelerate your balance.
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