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Calcimator

Budget Surplus Allocator Calculator

Optimize where to direct leftover dollars using a priority-based waterfall: emergency fund, retirement match, high-interest debt, then savings goals.

Inputs

$
$
$
%
$
$

Results

To Emergency Fund

$500.00

≈ 9 tanks of gas

To Retirement Match$0.00
To Debt Payoff$0.00
To Savings Goals$0.00
Annual Interest Saved$0.00
With Employer Match$0.00
How to Use This Calculator
  1. Enter Surplus Amount, Emergency Fund Gap, and High-Interest Debt Balance.
  2. Set Debt Interest Rate, Retirement Match Gap, and Savings Goal Gap.
  3. Review the To Emergency Fund ($) result.
  4. Use To Retirement Match ($) and To Debt Payoff ($) to inform your decision.
  5. Use the chart to visualize the results and explore different scenarios by adjusting inputs.

What each input means

Surplus Amount
Extra money available after covering essentials.
Emergency Fund Gap
How much more you need in your emergency fund.
High-Interest Debt Balance
Credit cards or other high-rate debt.
Debt Interest Rate
APR on your highest-rate debt.
Retirement Match Gap
Monthly amount to max employer match.
Savings Goal Gap
Remaining needed for a specific goal.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Surplus Amount = 500, Emergency Fund Gap = 2000, High-Interest Debt Balance = 3000, Debt Interest Rate = 22 = 6 input(s) provided
  2. Calculate To Emergency Fund
    To Emergency Fund
    500 = $500
  3. Calculate To Retirement Match
    To Retirement Match
    0 = $0
  4. Calculate To Debt Payoff
    To Debt Payoff
    0 = $0

Engine last updated .

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