Financial calculators
Plan the next money decision in minutes
Free calculators for the core Syvoq workflows: accounts, spending, debt, investing, goals, affordability, Portugal salary, housing, cars, and FIRE planning.
Phase 1
Core calculators
The calculators that map directly to accounts, spending, debt, investments, goals, and planning.
Net Worth Calculator
Add assets and liabilities to estimate your current net worth in one clean number.
Open calculatorMonthly Budget Calculator
Plan income, expenses, savings, and unassigned cash for the month.
Open calculatorSafe-to-Spend Calculator
Estimate how much you can spend before payday while protecting bills, goals, debt, and a cash buffer.
Open calculatorDebt Payoff Calculator
Estimate when a debt can be paid off and how much interest extra payments can save.
Open calculatorCompound Interest Calculator
Project investment growth from an initial balance, monthly contributions, return rate, and time.
Open calculatorSavings Goal Calculator
Calculate how long a savings goal will take and how much to save monthly to hit a target date.
Open calculatorPhase 2
Planning calculators
High-intent financial planning pages for budgeting, loans, subscriptions, and affordability.
Loan Repayment Calculator
Estimate monthly loan payments, total interest, and the payoff impact of extra payments.
Open calculator50/30/20 Budget Calculator
Compare your needs, wants, and savings against the 50/30/20 budgeting guideline.
Open calculatorEmergency Fund Calculator
Calculate how much emergency savings you need and how long it will take to build.
Open calculatorSubscription Cost Calculator
See the annual and multi-year cost of recurring subscriptions.
Open calculatorSavings Rate Calculator
Measure how much of your income goes toward savings, investing, and debt principal.
Open calculatorCan I Afford This? Calculator
Check whether a purchase fits your cash buffer and monthly budget.
Open calculatorPhase 3
Portugal and milestone calculators
Local and long-range calculators for salary, housing, cars, and financial independence.
Portugal Net Salary Calculator
Estimate Portuguese take-home pay with configurable IRS withholding and social security assumptions.
Open calculatorPortugal Mortgage Calculator
Estimate a mortgage payment for a Portugal property purchase, including down payment and monthly ownership costs.
Open calculatorRent Affordability Calculator
Estimate the monthly rent you can afford while keeping savings and other bills intact.
Open calculatorCar Affordability Calculator
Estimate how much car you can afford based on income, running costs, down payment, and loan terms.
Open calculatorFIRE Calculator
Estimate your financial independence target and timeline using expenses, savings, returns, and withdrawal rate.
Open calculator