Incolator/Spending & savings

Spending & savings

9 calculators

Money already earned, and what it should be doing. Purchases weighed against compounding, positions weighed against concentration, financing weighed against the market you'd otherwise be in.

True Cost of a PurchaseCombine purchase price, running costs, resale value, and opportunity cost to estimate the full long-term cost. 2 min Cash, Finance or LeaseCompare three ways to acquire a car using financing costs, depreciation, resale value, and investment returns. 2 min Concentrated Position: Trim or HoldStress-test a large single-stock holding and compare holding, trimming, taxes, and diversification scenarios. 2 min Idle Cash, PricedEstimate how inflation and alternative returns change the purchasing power of cash over time. 2 min The Subscription LedgerAdd recurring services into one monthly, yearly, and ten-year bill, including a return assumption. 1 min Angel Cheque SizingSize an early-stage investment against net worth, existing exposure, loss tolerance, and follow-on reserves. 2 min How Much CarEstimate an affordable vehicle price from take-home pay, loan term, rate, insurance, and running costs. 2 min Emergency Fund, SizedEstimate a cash buffer from essential spending, job stability, dependents, insurance, and refill time. 1 min Estate Liquidity GapEstimate accessible cash, immediate costs, household burn, expected benefits, and the waiting-period funding gap after a death. 2 min

Every calculator here works with after-tax money, shows its assumptions, and prints the formula at the bottom of the page. Formulas and assumptions are shown on each calculator page.