CalcStudioFinancial Calculators for BusinessList what comes in and what goes out, each in whatever frequency it happens, and this calculator converts everything to a month. It shows your monthly income and spending, the surplus or shortfall between them, and your savings rate: the share of income you keep.
Live budget
Add income and expenses to see your available surplus or shortfall.
Shows your monthly income, expenses, and net position.
Worked example: With $6,500 and $400 of monthly income and $2,200, $600 and $350 of monthly expenses, income is $6,900 and spending $3,150, leaving $3,750 a month: a savings rate of 54%.
How much income do I need for this home?
Work backwards from a home price to the take-home income a lender would want to see.
Shows: The monthly repayment, plus your other debts, living costs and a lender's $100 buffer: the take-home income needed each month and year.
How long will this card take to pay off?
See how long a credit card balance will take to clear and what it costs in interest.
Shows: The months to clear the balance and the interest paid, or the repayment needed to clear it by a date you choose.
How much could I borrow for my first home?
Tests income, living costs and deposit against the three limits a New Zealand lender applies, and shows which one holds you back.
Shows: A borrowing range and purchase budget from your income, costs and deposit, and which of the three lender limits - repayments, 6x income or deposit - decides it.
