Personal financial plan
My financial plan
One screen for your whole cash flow: what comes in, what goes out, what’s left and — if you invest it — when you reach your dream. Nothing leaves your browser.
1 · Income
Salary, bonuses, vouchers, dividends. Don’t know the breakdown? Switch to “Total”.
2 · Spending & loans
How much you spend and the loan payments you make.
Loans
Paid off in 3y 0m · interest 719 €
3 · What’s left
Monthly surplus
327€/mo
If you invest this surplus (327 €/mo), here’s how fast your capital grows below.
Pointers
General educational rules — not personal advice.- Expensive loan (9% rate). Paying it off is a “guaranteed” return equal to its rate — often before investing in the market.
- Before investing it’s wise to hold an emergency fund of 3–6 months of spending (≈ 3,930–7,860 €). You have 3,000 € now.
- Every extra 100 €/mo brings the goal closer by another 1y 6m.
4 · Invest and reach the goal
You reach the goal in 8y 5m at age 38.
After 40 yr: 906,373 €Year 0 · age 30 → 3,000 €
Or pick a goal:
You invest 327 €/mo (your monthly surplus).
Your plan is stored only in your browser. This is an educational illustration with a constant return, not advice or a forecast. Real markets vary.
How it works
1 · Income
Enter salary, bonuses, vouchers and passive income — in detail or as a single total.
2 · Spending & loans
Add your monthly spending and loan payments. You see when each loan is paid off.
3 · The surplus
We show how much is left each month and your savings rate.
4 · The goal
Put the surplus to work under 3 return profiles and see when you reach the goal — in nominal or today’s money.
Assumptions
- A constant annual return with monthly compounding and end-of-month contributions — an illustration, not a forecast.
- Loan payments stay constant over the whole horizon (we don’t redirect freed-up money after payoff).
- Taxes, fees and management charges are not included.
- The “today’s money” mode deflates the projection by the inflation you set.