Speculator

What-If Financial Dashboard.

A fast estimate of your net pay, monthly budget and 10-year wealth. Nothing saved — refresh to reset.

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Step One · Estimate

Estimated Net Pay

Your take-home after an average tax rate for the selected country.

Yearly Net
$0
Monthly Net Pay
$0
Step Two · Allocation

The 50 / 30 / 20 Rule

A classic framework: half to needs, a third to wants, a fifth to future you.

Needs 50% · Rent, food, bills
$0
Wants 30% · Lifestyle, dining
$0
Savings 20% · The Surplus
$0
Step Three · Horizon

10-Year Wealth Projection

If your monthly Savings from above were invested at a 7% annual return, compounded monthly.

Projected in 10 Years
$0
Monthly Contribution $0
Total Contributed $0
Interest Earned $0

Estimates only. Tax rates are rough national averages and exclude deductions, credits and state/provincial variation. Not financial advice.