Source: https://adamou-financial-consulting.vercel.app/tools/ THE AFIN TOOLKIT # A little math. A clearer picture. Try sixteen everyday financial tools. Change the numbers, explore a possibility, and bring your questions to Matt. Yours to explore. No account needed. Calculations happen in your browser. Your numbers aren’t sent to Matt, stored, or included in analytics. Planning estimates · Your selected currency CHOOSE YOUR STARTING POINT ## What would you like to work out? [ Use the all-in-one workspace ](https://adamou-financial-consulting.vercel.app/#workspace) All tools Everyday money Future goals Debt & borrowing Purchases Find a calculator 16 calculators · Free to use [ Everyday money ### Monthly budget See what’s left after your monthly commitments. ](https://adamou-financial-consulting.vercel.app/tools/monthly-budget/)[ Everyday money ### Emergency fund Explore the cash buffer that matches your chosen coverage. ](https://adamou-financial-consulting.vercel.app/tools/emergency-fund/)[ Future goals ### Savings goal Estimate how many monthly contributions reach your goal. ](https://adamou-financial-consulting.vercel.app/tools/savings-goal/)[ Debt & borrowing ### Debt payoff Compare what a fixed monthly payment could mean for one balance. ](https://adamou-financial-consulting.vercel.app/tools/debt-payoff/)[ Everyday money ### Net worth Put what you own and what you owe in one snapshot. ](https://adamou-financial-consulting.vercel.app/tools/net-worth/)[ Future goals ### Compound growth Explore how regular contributions could grow over time. ](https://adamou-financial-consulting.vercel.app/tools/compound-growth/)[ Debt & borrowing ### Loan payment Estimate the monthly principal and interest for a fixed-rate loan. ](https://adamou-financial-consulting.vercel.app/tools/loan-payment/)[ Future goals ### Inflation See how a steady rise in prices could change a future expense. ](https://adamou-financial-consulting.vercel.app/tools/inflation/)[ Future goals ### Monthly savings Work backward from a goal and a deadline to a monthly amount. ](https://adamou-financial-consulting.vercel.app/tools/monthly-savings/)[ Debt & borrowing ### Debt-to-income See what share of gross monthly income goes to debt payments. ](https://adamou-financial-consulting.vercel.app/tools/debt-to-income/)[ Everyday money ### Hourly pay Turn an hourly rate and work schedule into gross income estimates. ](https://adamou-financial-consulting.vercel.app/tools/hourly-pay/)[ Everyday money ### Recurring costs See the longer-term total of subscriptions and memberships. ](https://adamou-financial-consulting.vercel.app/tools/recurring-costs/)[ Everyday money ### Savings rate See how much of your monthly take-home income you set aside. ](https://adamou-financial-consulting.vercel.app/tools/savings-rate/)[ Future goals ### Simple interest Explore interest calculated on an unchanged starting amount. ](https://adamou-financial-consulting.vercel.app/tools/simple-interest/)[ Purchases ### Discount savings Calculate the sale price and saving from one percentage discount. ](https://adamou-financial-consulting.vercel.app/tools/discount-savings/)[ Purchases ### Cost per use Compare the cost of something with how often you expect to use it. ](https://adamou-financial-consulting.vercel.app/tools/cost-per-use/) ### No calculators match yet. Try “savings” or “loan,” or view the full library. Show all tools YOUR WORKSPACE ## Keep your numbers together. Switch between tools here without losing your inputs. Choose a currency once, then explore different questions. Your calculator Monthly budget Browse all 16 tools Country and currencyUnited States · USDCanada · CADUnited Kingdom · GBPIreland · EURAustralia · AUDNew Zealand · NZDDenmark · DKKSweden · SEKNorway · NOKGermany · EURFrance · EURItaly · EURSpain · EURNetherlands · EURSwitzerland · CHFIndia · INRJapan · JPYSingapore · SGDSouth Africa · ZARBrazil · BRLMexico · MXN Changes units and formatting, not exchange rates. Enter every amount in the selected currency. Enable JavaScript for interactive results. Each tool’s formula and assumptions are available below. EXPLORE YOUR NUMBERS ## Monthly budget See what’s left after your monthly commitments. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/monthly-budget/) Monthly take-home income (USD) Housing and utilities (USD) Food and transportation (USD) Debt payments (USD) Other spending and planned savings (USD) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Take-home income − housing − living costs − debt payments − other allocations. Use one month for every amount. Include irregular bills as monthly equivalents. Money remaining is unallocated—not automatically saved. EXPLORE YOUR NUMBERS ## Emergency fund Explore the cash buffer that matches your chosen coverage. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/emergency-fund/) Essential monthly expenses (USD) Months to cover (months) Emergency savings today (USD) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Target = essential monthly expenses × coverage months. Gap = target − current savings, with a minimum of zero. Include essential bills and required debt payments. Choose coverage for your situation; the example is not a recommendation. No interest or investment growth is included. EXPLORE YOUR NUMBERS ## Savings goal Estimate how many monthly contributions reach your goal. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/savings-goal/) Savings goal (USD) Already saved toward this goal (USD) Monthly contribution (USD) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Months = remaining goal ÷ monthly contribution, rounded up to a whole month. Assumes a constant contribution each month, no withdrawals, and no interest. The last contribution may be smaller. This is a timeline estimate, not a calendar promise. EXPLORE YOUR NUMBERS ## Debt payoff Compare what a fixed monthly payment could mean for one balance. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/debt-payoff/) Current debt balance (USD) Annual percentage rate (% APR) Fixed monthly payment (USD) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Monthly interest = balance × APR ÷ 12 ÷ 100. Add interest, subtract payment, then repeat until the balance is paid. Assumes a constant APR, monthly interest followed by payment, and no new charges or fees. Actual lenders may use daily interest. Estimates stop at 100 years; this does not calculate a lender’s minimum payment. EXPLORE YOUR NUMBERS ## Net worth Put what you own and what you owe in one snapshot. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/net-worth/) Cash and savings (USD) Investments and retirement accounts (USD) Property and other assets (USD) Mortgages and other loans (USD) Credit cards and other debts (USD) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Net worth = cash + investments + property − loans − other debts. Use current estimates, include each asset or debt only once, and include any mortgage alongside the property value. This snapshot does not account for taxes or selling costs. EXPLORE YOUR NUMBERS ## Compound growth Explore how regular contributions could grow over time. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/compound-growth/) Starting balance (USD) Monthly contribution (USD) Assumed annual growth rate (%) Time horizon (years) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Each month: balance × (1 + annual rate / 1200) + contribution. Repeat for years × 12 months. Contributions arrive at month-end. Assumes constant nonnegative growth compounded monthly; excludes fees, taxes, inflation, and withdrawals. Actual returns vary and can be negative. The example rate is not a forecast. EXPLORE YOUR NUMBERS ## Loan payment Estimate the monthly principal and interest for a fixed-rate loan. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/loan-payment/) Amount borrowed (USD) Annual interest rate (%) Loan term (years) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Payment = principal × r / (1 − (1 + r)^(−n)), where r = annual rate / 1200 and n = years × 12. At zero interest, payment = principal / n. Fixed rate, equal monthly payments, and monthly interest. Use the interest rate, not an APR that includes fees. Excludes fees, insurance, property taxes, and other costs. A lender’s actual payment may differ. EXPLORE YOUR NUMBERS ## Inflation See how a steady rise in prices could change a future expense. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/inflation/) Cost today (USD) Assumed annual inflation (%) Years from now (years) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Future cost = cost today × (1 + annual inflation / 100)^years. Assumes the same nonnegative inflation rate each year. This is a scenario, not a forecast or a country-specific inflation estimate. Individual expenses may change differently. EXPLORE YOUR NUMBERS ## Monthly savings Work backward from a goal and a deadline to a monthly amount. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/monthly-savings/) Goal amount (USD) Savings already assigned (USD) Months until your goal (months) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Monthly contribution = max(0, goal − saved) ÷ months remaining. Assumes equal end-of-month contributions, no interest, no withdrawals, and a whole number of months. Rounded currency displays may leave a small final adjustment. EXPLORE YOUR NUMBERS ## Debt-to-income See what share of gross monthly income goes to debt payments. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/debt-to-income/) Gross monthly income (USD) Monthly mortgage or rent payment (USD) Other required monthly debt payments (USD) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Debt-to-income percentage = (housing payment + other monthly debt payments) ÷ gross monthly income × 100. This scenario includes your housing payment plus other required debt payments. Gross income is before deductions. It is not a credit assessment or lending decision; lender definitions and included obligations vary. EXPLORE YOUR NUMBERS ## Hourly pay Turn an hourly rate and work schedule into gross income estimates. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/hourly-pay/) Hourly pay rate (USD) Paid hours each week (hours/week) Paid weeks each year (weeks/year) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Annual gross pay = hourly rate × paid hours per week × paid weeks per year. Monthly average = annual gross pay ÷ 12. Straight-time gross pay only, before taxes and deductions. Excludes overtime premiums, tips, bonuses, and benefits. Monthly average is not an actual paycheck amount; hours and paid weeks are assumed constant. EXPLORE YOUR NUMBERS ## Recurring costs See the longer-term total of subscriptions and memberships. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/recurring-costs/) Combined monthly subscriptions (USD) Combined annual memberships (USD) Years to compare (years) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Annual cost = monthly subscriptions × 12 + annual memberships. Period total = annual cost × years. Assumes prices stay unchanged and every subscription renews. Excludes inflation, promotional changes, cancellation fees, and investment returns. Do not count the same subscription in both fields. EXPLORE YOUR NUMBERS ## Savings rate See how much of your monthly take-home income you set aside. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/savings-rate/) Monthly take-home income (USD) Monthly amount set aside (USD) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Savings rate = monthly amount set aside ÷ monthly take-home income × 100. Uses take-home income and savings from the same month. Do not include payroll contributions withheld before take-home pay unless you adjust both inputs consistently. This is a chosen cash-flow measure, not a universal savings benchmark. EXPLORE YOUR NUMBERS ## Simple interest Explore interest calculated on an unchanged starting amount. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/simple-interest/) Starting amount (USD) Annual simple interest rate (%) Duration in months (months) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Interest = principal × annual rate / 100 × months / 12. Total = principal + interest. Simple interest only: interest does not earn additional interest. Assumes the principal and annual rate stay unchanged, with no deposits, repayments, fees, or taxes. This is not an amortized-loan calculation or a quoted account return. EXPLORE YOUR NUMBERS ## Discount savings Calculate the sale price and saving from one percentage discount. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/discount-savings/) Original price (USD) Discount percentage (%) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Saving = original price × discount / 100. Sale price = original price − saving. One percentage discount on the entered original price. Excludes tax, delivery, fees, rebates, and stacked offers. The saving is a price difference, not money earned or automatically added to savings. EXPLORE YOUR NUMBERS ## Cost per use Compare the cost of something with how often you expect to use it. [Open this calculator’s guide](https://adamou-financial-consulting.vercel.app/tools/cost-per-use/) Purchase price or subscription cost (USD) Additional costs over the same period (USD) Expected number of uses (uses) CalculateReset example Example values are shown. Change them to explore your situation. How this estimate works Cost per use = (purchase or subscription cost + additional costs) ÷ expected uses. Use the same ownership or subscription period for costs and uses. Assumes every expected use occurs. Excludes financing, resale value, and costs you do not enter. A low cost per use alone does not establish affordability. MAKE THE NUMBERS USEFUL ## Explore. Compare. Talk it through. ### Start with a snapshot. Replace the examples with your own estimates. Check that all amounts use the same time period. ### Change one thing. Try a different contribution or monthly payment and see how the estimate responds. ### Add the human context. The tools do arithmetic. Matt can discuss how your goals and responsibilities fit into a practical plan. These educational estimates aren’t personalized financial advice. Review the assumptions before using a result for a decision. YOU DON’T HAVE TO FIGURE IT OUT ALONE ## Your next chapter starts with a conversation. [ Let’s talk about your goals ](https://adamou-financial-consulting.vercel.app/contact/) [ Or email Matt directly ](mailto:madamou@afin-consulting.com)