Step 1 of 3 · Build a small cushion
Take-home pay each month, after tax. Everything else is measured against this.
Not sure it's right? Annual and occasional bills are easy to miss. Review each section before you continue.
Enter any line however you know it — monthly or yearly. We'll do the rest.
Step 2 of 3
See what each debt costs right now.
CSV transaction exports work here. PDF statements do not yet.
Try your bank's full website and look for “Download transactions” or “Export.” You can also choose “Type them in.”
U.S. Bank, for example, says transaction downloads are available on its full website, not its mobile app. See U.S. Bank's instructions.
You're paying, every month
$0
Fees, hiding in plain sight
$0
Most of these are waived on request or avoided by switching account. One phone call usually settles which.
Put these in your calendar
We can build a calendar file from the charges above — one repeating entry each, on the day it usually lands, with a reminder the day before. Open it on your phone and it'll ask which calendar to add them to. Make a new one called Bills and you can hide the whole lot with a tap when you don't want to see it.
Add each card or loan. Use the balance, APR, and monthly payment shown on its statement.
Your debt snapshot
$0
Step 3 of 3
These are planning examples built from the answers above, not a recommendation. Choose the amount that fits your situation.
Your income-loss cushion target
$0
Keep this money easy to reach and separate from everyday spending.
We do not recommend a particular provider and do not receive payment from one. Compare access rules, APY, fees, and deposit-insurance coverage yourself.
See my summary →Optional check · Cash & rates
Add your debts in Step 2 above and these fill themselves in.
If you used a transaction file in Step 2, we've already pulled these out. If not, a rough estimate is fine — account fees, card annual fees, overdrafts, ATM charges.
Potential annual gap
$0
Optional lesson · Growth
Explore how regular contributions could grow. The checklist below adds context; it does not lock the calculator.
Use these as reminders while you compare the illustration. Your best order may be different.
Not a retirement forecast — just a short look at how an investing habit can grow over time.
A short look ahead
Three checkpoints, all shown in today's spending power.
The range uses 4% and 7% annual investment-growth examples with 3% annual inflation. Each effective annual rate is converted to an equivalent monthly rate. The monthly contribution is shown in today's spending power, which assumes the amount you contribute rises with prices. Taxes, fees, withdrawals, volatility, and account rules are not included. These are teaching assumptions, not expected returns. You can compare the mechanics with the Investor.gov compound-interest calculator.
Illustration only. Investments can rise or fall and may lose value.
Everything lives in one file on your device. Save it somewhere you will find it.
Optional: Set a goal →
Clears this tab. Downloaded plan files stay untouched.This is general education, not financial advice. We don't know your full
situation, and we don't recommend specific accounts, lenders, funds, or products.
We take no payment from any financial company.
Privacy ·
Terms
Everything in one place
Your targets, progress, and the numbers worth reviewing.
Go straight to the number you want to check or change.
Prices were still rising, but more slowly than before. Review your safety targets at least once a year.
Keep safety cash available. Do not drain it simply to accelerate a debt or savings goal.
Claim an employer match when eligible. Retirement money supports the future; it does not replace accessible emergency cash.
Review the targets yearly. Expenses, household income, and prices all change.
General education, not financial advice. We don't know your full situation and don't recommend specific accounts, lenders, or products.
Find out how much cash you need for life's surprises.
By using the calculator, you agree to the Terms and acknowledge the Privacy notice.
$2,380
59% funded · $1,400 of $2,380This is a demo. The calculator keeps the numbers you type in this browser tab and does not transmit them.
Begin with a small cushion, debt clarity, and real protection. Two optional follow-through steps come after those.
Build a small cushion
Cash for life's smaller emergencies.
Sort out your debt
Find which one costs you the most.
Build real protection
A true emergency reserve.
Your goal
Big prices can move. Compare a dated planning estimate.
The asking price of the kind of place you want. A rough number is fine.
A down payment is not the cash you need. These come due at the same time.
You get there
—
Your target moved
If you have eligible debt, compare two simplified uses for the monthly amount above. The choice stays yours.
Split the extra — save and pay at the same time
Send the extra to debt first, then save it
Model assumptions: fixed APR and minimum payment, no new charges, half of the extra amount in the split path, the freed minimum moves to the goal after payoff, goal savings earn no interest, and only the dated price index changes the target.
Last updated August 29, 2026
The numbers you type — your rent, your debts, your savings — stay on your device. They are never sent to us. The math runs inside your browser.
There is no account or email signup. If you choose to contact support by email, we receive the address and message you send.
We don't sell data, we don't show ads, and we don't connect to your bank.
| Information | Where it goes |
|---|---|
| Your bills, rent, debts, savings, and every figure you enter | Your device only. Held in this tab while you use the calculator, and written to a file only if you press Save my progress. The site does not place financial figures in cookies, browser storage, or a server database. |
| A transaction CSV or saved plan you choose | Read inside this tab. The selected file, its name, and its contents are not uploaded. Raw transaction rows are not copied into a saved plan. Derived results you use—such as an annual fee estimate—can be included in a plan you choose to save, and recurring-charge details can be included in a calendar file you choose to create. |
| Files the calculator creates | A saved plan or optional bills calendar is built in your browser and downloaded directly to your device. We do not receive a copy. |
| Your email address | Not requested by the calculator. There is no account or email signup. If you email support, Gmail receives and stores the address and message you choose to send. |
| Your text-size choice | Stored in your browser so the display stays comfortable when you return. It contains no financial information and is never sent to us. |
| Page visits | Counted with GoatCounter so we can learn which pages are useful. We receive the page route, date and time, originating website domain, and broad technical details such as browser, operating system, screen width, and country. The site does not set analytics or advertising cookies. |
| Which parts you reached | We count fixed, anonymous labels for important clicks, the calculator field or section a visitor starts, completed results, and broad scroll milestones. These labels help us see where people stop. They never contain a value you typed, a debt or goal name, a filename, or file contents. |
| Technical logs | Like other websites, the hosting provider receives ordinary request information needed to deliver the page, such as an IP address, browser details, requested URL, and time. Its handling and retention depend on the provider. These requests do not contain the financial figures you type. |
| Page fonts | Your browser requests the Karla and Bitter typefaces from Google Fonts. Google therefore receives an ordinary font request, but not the financial figures you type or files you select. |
Financial information is sensitive, and the safest way to protect it is not to hold it. If we don't have your numbers, they can't be leaked, subpoenaed, sold, or lost in a breach.
The trade-off is honest: because we don't store your data, we can't sync it between your phone and laptop, and we can't recover it if you lose your file. That's why the Save my progress button exists. Keep the file somewhere you'll find it.
When you save, your browser downloads a small file to your device. It's plain, readable JSON — you can open it in any text editor and see exactly what it contains.
That file is yours. Copy it, back it up, or delete it. The site cannot see, recover, or delete downloaded copies. Starting over clears the figures in the current tab but does not delete files you already downloaded.
We use GoatCounter to understand visits and improve confusing parts of the calculator. It is configured without analytics cookies or advertising trackers. We send only the page route and fixed event labels chosen in advance—for example, that someone started the savings field or reached a result.
GoatCounter processes ordinary request details needed to count visits and produce broad browser, device, location, screen-width, and referral summaries. We do not send the financial figures you enter, text you type, file names, or file contents. Learn more in GoatCounter's privacy information.
The calculator links to public sources and educational pages. Nothing is sent to them unless you choose to open a link. Once you leave this site, the other site's terms and privacy practices apply. This site asks the browser not to include the page address as referrer information.
Email reminders are not offered during this public beta. If they are introduced later, they will be optional and this policy will be updated before any address is collected.
If you voluntarily email us, Google receives and stores your email address, message, and any information you choose to include. We use that information only to read and respond to your message, provide support, and improve the public beta. We do not sell it.
Please do not include account numbers, passwords, Social Security numbers, or the financial figures from your plan. Google's privacy practices apply to email handled through Gmail.
Depending on where you live, you may have the right to see what we hold about you, correct it, delete it, or object to how it's used.
In practice this is simple during the public beta: we do not create visitor accounts or receive the financial figures you enter. Usage reports are aggregate and are not tied to an account. We hold an email address and message only when someone voluntarily contacts support.
This site is for adults. It isn't directed at children, and the public beta does not provide an account or email signup.
The site is intended for people in the United States. Figures are indexed to U.S. price data and the guidance reflects U.S. accounts and terminology.
If this policy changes, we'll update the date at the top and describe the behavior that is actually live before collecting a new kind of information.
Email norzavi.contact@gmail.com.
Last updated August 29, 2026
This is a free educational tool. It shows you arithmetic based on numbers you type in.
It is not financial advice, and we are not your financial adviser. We don't know your situation and we never recommend specific accounts, lenders, or products.
Decisions about your money are yours. Check the numbers before you act on them.
This site provides general financial education and calculators. The same formulas and educational explanations apply to everyone; the figures and scenarios shown respond to what you enter. We do not provide individualized recommendations.
Nothing here is investment advice, tax advice, legal advice, accounting advice, credit counselling, or a recommendation to buy or sell anything. We are not a bank, a lender, a broker, or a registered investment adviser.
For decisions that matter — investing, taxes, debt settlement, buying a home, insurance — talk to someone licensed who can look at your whole situation. A calculator can't do that, and this one doesn't try to.
We work hard to get the arithmetic right, but we make no guarantee that any figure, projection, or index value is accurate, current, or suitable for your situation.
Price indexes come from public U.S. government sources and are updated periodically. They describe the past. They are not a prediction, and future prices may move very differently.
Projections are illustrations, not forecasts. Real life includes taxes, fees, rate changes, and events no calculator anticipates.
The figures you enter stay on your device. We don't receive them, so we can't recover them. If you save a file, keeping it safe is up to you. See our privacy policy for the detail.
Browsers clear storage, devices fail, and files get deleted. Keep your own backup of anything you care about.
Please don't:
Norzavi's current site operator owns the content, design, and code. You're welcome to use the tool and share links to it.
You must be 18 or older to use this site.
The public-beta calculator is free and has no checkout, payment link, or subscription. These terms will be updated before Norzavi introduces any paid service or optional support feature.
We may change, pause, or discontinue any part of the site at any time. Because your information lives on your device, you keep your file regardless.
The site is provided "as is," without warranties of any kind, express or implied, including any warranty of merchantability, fitness for a particular purpose, or accuracy.
To the fullest extent permitted by law, the site and its operator are not liable for any indirect, incidental, consequential, or special damages, or for any financial loss, arising from your use of this site or reliance on anything shown here.
Some states don't allow certain limitations, so parts of this may not apply to you.
These terms are governed by the laws of the State of Michigan, without regard to conflict of law rules.
We may update these terms. The date at the top will change when we do. Continuing to use the site after a change means you accept the updated terms.
Email norzavi.contact@gmail.com.