What should I do with my money?
Enter your income once and see your real options side by side — a safety net, paying off debt, investing to grow it, buying a home or car — then price out anything you want and see how long to save, what it costs in work-hours, or what it would be worth invested instead. Play with it.
The basics
Drag your money to work — your way
173 work hrs · $157/mo to finance · $10,048 if invested (10 yr)
Style
- You earn about $29 an hour — every $100 you spend is roughly 3 hours of work.
- Your $1,500 monthly surplus is about 300 coffees or 94 streaming subscriptions a month.
- A $5-a-day habit is $150/mo — invested at 7%, about $78,139 in 20 years.
Where the numbers come from
Your monthly surplus is simply income minus expenses. From there, each option is estimated with the same deterministic engines that power our individual calculators: the emergency-fund target uses your essential expenses, the debt payoff and investment growth use standard amortization and compounding math, and the home figure uses the debt-to-income affordability rule lenders apply. The car estimate follows a common payment-share guideline. Every result is a starting point you can refine in the linked calculator.