Growth hub · Money

Free Money Milestone & Runway Planners

Emergency fund, multi-goal savings, subscriptions, FIRE, and freelance true-rate planners — free tools for cashflow clarity.

Prefer a guided path? Money runway workflow →

1. 1Emergency Fund & Runway PlannerEmergency fund planner with a life-shock simulator: job loss, medical bill, rent hike, or partner income gone.
2. 2Multi-Goal Savings PlannerMulti-goal savings timeline with a sequential vs split funding optimizer that recommends the fastest path to hit all deadlines.
3. 3Subscription Runway AuditSubscription and fixed-cost audit with a runway extension meter — pause items and see months of emergency runway gained.
4. 4Financial Freedom & Property PlannerFIRE calculator with rental property: model salary, side income, expense inflation, investment returns, rental acquisitions, and net worth milestones to your financial independence date.
5. 5FIRE Early Retirement CalculatorEstimate when you can reach financial independence using savings rate and withdrawal assumptions. Plan your FIRE number with clarity.
6. 6Compound Interest CalculatorProject investment growth with compound interest, regular contributions, and a coasting phase with zero new deposits. Visualize how time and rate multiply wealth after you stop contributing.
7. 7Freelance True-Rate PlannerFreelance true-rate planner with a fee waterfall (platform → processor → FX → tax → non-billable) and reverse invoice math.
8. 8Wedding Budget Cashflow PlannerWedding budget line-item planner with a deposit milestone cashflow calendar against your savings balance.
9. 9Baby First-Year Cost PlannerBaby first-year cost planner with a parental leave income bridge into childcare start — finds the tightest cash month.
10. 10Keep vs Lease vs Buy Car TCOThree-way car TCO planner: keep current vs lease vs buy — year-by-year matrix highlighting the cheapest option.
11. 11When Can I Retire?Plug in your age, savings, monthly investing, and the income you actually want later. The date that comes back is the first year the 4% rule (or your own withdrawal rate) covers that income—not a promise from a brochure.
12. 12How Much Money Do I Need to Retire?Start from the yearly spend you could live on, pick a withdrawal rate, and get the pile you need on day one of retirement. No age, no salary story—just the target.
13. 13How Long Will My Money Last?You already have a pile of cash or investments and a yearly spend. This walks that balance forward, growing it at your assumed return and raising spend with inflation, until the account hits zero.

Also explore Life questions, Fitness planners, Unit converters or all tools.