Peachy Budget — Viral Money Game Dashboard

The 50/30/20 rule is a classic budgeting framework: 50% of income goes to needs (fixed costs), 30% to wants (your spend zone), and 20% to savings. This calculator adapts it to your actual numbers.

After subtracting your fixed costs and savings goal, whatever is left is your discretionary money. Your safe spend zone is 70% of that — keeping a 30% buffer for unexpected costs even after savings are covered.

Spending 70–90% of discretionary = caution zone. Spending 90–100% = danger zone — one surprise expense breaks everything. Read the full breakdown →

Monthly take-home income ($)

Monthly fixed costs — rent, bills ($)

Monthly savings goal ($)

Emergency fund? ($)

🔥

Your spending zones will appear here...

🛍️ Retail Therapy ROI Calculator

Did that purchase actually improve your life?

Purchase cost ($)

Happiness boost (1-10): 7/10

How long did the happiness last?

Did you actually need it?

Nope 💅

Kinda

Genuinely yes

🛍️

Your ROI verdict will appear here...

😭 Broke or Just Dramatic?

The most shareable calculator on the internet (probably)

Monthly income ($)

Monthly essential costs ($)

Current savings ($)

Total debt ($)

Vibes right now:

😵 Chaotic

😌 Fine actually

🌀 Spiraling

💅 Thriving

😭

Your diagnosis will appear here...

🤔 Can I Afford This?

One-tap verdict. No spreadsheets. No stress.

Purchase price ($)

Available spending money this month ($)

Savings goal this month ($)

Do you already own something similar?

Nope, need it

Kind of

Yes honestly

🤔

Your verdict is loading...

✨ Future You Flex Calculator

What does your future self get if you skip this?

Amount you're thinking of spending ($)

If you saved this weekly for: 52 weeks

Annual investment return (%): 7%

What are you saving toward?

🏆 $10K vault

✈️ Dream trip

🏡 House

💅 Freedom

✨

Future You is loading...

🌸 Soft Life Fund Calculator

How much do you need to live your soft life?

Dream monthly rent / living ($)

Self-care / wellness monthly ($)

Travel / experiences monthly ($)

Shopping / fashion monthly ($)

Current monthly income ($)

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Your soft life number is loading...

❄️ 48hr Wait Multiplier

What happens to your money if you wait 48 hours?

Purchase you're considering ($)

How often do you impulse buy per month: 4x/mo

Investment return rate (%): 7%

❄️

The patience math will appear here...

🌡️ Money Mood Tracker

What's your money mood today?

Spending today ($)

Saving today ($)

Financial stress level: 5/10

Did you check your account today?

Yes 💪

Nope 😶

Too scared

🌡️

Your money mood will appear here...

💰 Savings Goal Calculator

Find your finish line

Savings goal ($)

Already saved ($)

Monthly savings ($): $300

Annual interest (%): 4%

💜

Your timeline will appear here

🎯 Reverse Savings Calculator

Start with your goal — get your daily, weekly and monthly target

💡 How this works

Enter your savings goal and deadline. We calculate exactly how much you need to set aside each day, week, and month to hit it on time. No math needed — just your goal and your timeline.

I want to save ($)

Already saved ($)

Timeline

Or enter custom days

🎯

Your savings targets will appear here

📲 Subscription Purge Calculator

Find the monthly leak. Redirect the money. 💸

Your monthly subscriptions ($)

📺 Streaming

📱 Apps & Software

💅 Beauty & Boxes

🛒 Other Subscriptions

How much could you realistically cut? 50%

Annual return (%)

Years to invest

Credit card APR (%)

☕ Daily Habit True Cost

The number that changes everything

Daily habit cost ($)

Days per week: 5 days

Years: 5 years

☕

Your results will appear here

💸 What If You Invested That?

The number that breaks people 😭

Pick your habit

How much each time? ($)

How often?

Years to invest: 20 years

💸

Enter your habit to see the shocking truth...

🌊 Coast FIRE Calculator

How much do you need invested TODAY to coast to retirement?

💡 What is Coast FIRE?

Coast FIRE is when your current investments — with zero future contributions — will grow to your full FIRE number by retirement age. Once you hit it, you only need to cover living expenses. No more saving for retirement.

🎂 Current age

🏁 Target retirement age

💰 Current invested assets ($)

💸 Annual spending in retirement ($)

📈 Monthly contribution ($)

📊 Investment return (%): 7%

📉 Inflation rate (%): 3%

🔒 Safe withdrawal rate (%): 4%

🌊

Enter your numbers to see your Coast FIRE number...

☕ Barista FIRE Calculator

Quit your day job way sooner with a little side income

💡 What is Barista FIRE?

Barista FIRE = quit your full-time job early, do fun part-time work to cover living expenses, and let your investments grow to full FIRE. You need a much smaller portfolio because your side income fills the gap.

🎂 Current age

💰 Current net worth ($)

📈 Monthly investment while working ($)

🎯 Desired Barista FIRE age

☕ Monthly income during Barista FIRE ($)

💸 Annual spending in retirement ($)

📈 Investment return (%): 7%

📉 Inflation rate (%): 3%

☕

Enter your numbers to see your Barista FIRE plan...

❄️ Debt Snowball Calculator

Watch your debts melt away one by one

Total debt ($)

Interest rate (%): 18%

Monthly payment ($): $250

❄️

Your payoff plan will appear here

💼 Side Hustle Calculator

How much extra do you actually need?

Savings goal ($)

Months to hit goal: 12 months

Current monthly savings ($)

Hourly side hustle rate ($): $25/hr

💼

Your hustle plan will appear here

Enter your numbers

Use the preset buttons if you're not sure. Everything can be customized.

1. Income

Yearly salary

Hourly wage

Yearly household income

Take-home %

🙂 Light taxes80% take-home

😅 Common75% take-home

😬 High deductions70% take-home

2. House details

Home price

Down payment

10%

20%

Custom

Interest rate %

Loan term

3. Credit score estimate

Not sure

740+

700–739

660–699

620–659

4. Property tax & insurance

Low 0.6%

Common 1.2%

High 1.8%

Very high 2.3%

Property tax % (yearly)

Home insurance % (yearly)

Low 0.35%

Common 0.5%

High 0.9%

Very high 1.3%

5. PMI & HOA

PMI monthly

Auto-estimated when down payment < 20%.

HOA monthly

$0 if no HOA.

6. Kids

Number of children

Custom cost/child/month

😇 Low$350/child/mo

😅 Average$750/child/mo

😵‍💫 High$1,400/child/mo

7. Monthly bills

Car payment

Car insurance

Credit card minimums

Student loans

Groceries

Utilities

Phone / internet

Health / medical

Monthly savings goal

Other bills

Educational estimate only. Real costs vary by lender, credit, location, taxes, insurance, loan type, and deductions.

Down payment	Typical PMI rate	Example on $250K loan
Less than 3%	~1.0% / year	~$208/mo
3–5%	~0.75% / year	~$156/mo
5–10%	~0.55% / year	~$115/mo
10–20%	~0.35% / year	~$73/mo
20%+	None	$0/mo

Down payment

Typical PMI rate

Example on $250K loan

Less than 3%

~1.0% / year

~$208/mo

3–5%

~0.75% / year

~$156/mo

5–10%

~0.55% / year

~$115/mo

10–20%

~0.35% / year

~$73/mo

20%+

None

$0/mo

Credit score	Typical rate impact	Monthly cost on $300K loan
760–850	Best available rate	Baseline
700–759	+0.25–0.5%	+$45–$90/mo
660–699	+0.5–1.0%	+$90–$180/mo
620–659	+1.0–1.5%	+$180–$270/mo

Credit score

Typical rate impact

Monthly cost on $300K loan

760–850

Best available rate

Baseline

700–759

+0.25–0.5%

+$45–$90/mo

660–699

+0.5–1.0%

+$90–$180/mo

620–659

+1.0–1.5%

+$180–$270/mo

Rate range	Common in	On a $300K home
0.3–0.6%	HI, AL, CO, SC	$75–$150/mo
0.7–1.2%	Most of the South & West	$175–$300/mo
1.3–1.8%	Midwest, parts of CA	$325–$450/mo
2.0–2.5%+	NJ, IL, TX, CT, NY	$500–$625/mo

Rate range

Common in

On a $300K home

0.3–0.6%

HI, AL, CO, SC

$75–$150/mo

0.7–1.2%

Most of the South & West

$175–$300/mo

1.3–1.8%

Midwest, parts of CA

$325–$450/mo

2.0–2.5%+

NJ, IL, TX, CT, NY

$500–$625/mo

	30-year	15-year
Monthly payment	~$1,580	~$2,080
Total interest paid	~$319,000	~$124,000
Interest savings	—	~$195,000

30-year

15-year

Monthly payment

~$1,580

~$2,080

Total interest paid

~$319,000

~$124,000

Interest savings

—

~$195,000

Start age	$25/mo at 7%	Value at 65
Age 1	$5,100 contributed	~$430,000+
Age 5	$3,900 contributed	~$310,000+
Age 10	$2,400 contributed	~$190,000+

Start age

$25/mo at 7%

Value at 65

Age 1

$5,100 contributed

~$430,000+

Age 5

$3,900 contributed

~$310,000+

Age 10

$2,400 contributed

~$190,000+

Rate	What it represents	Best for
5%	Conservative — mixed stocks/bonds or lower-growth periods	Pessimistic planning, bonds-heavy portfolio
7%	Commonly cited "realistic" long-term stock market return after inflation	Default planning estimate
10%	Historical S&P 500 average (before inflation adjustment)	Optimistic, 100% stock portfolio

Rate

What it represents

Best for

Conservative — mixed stocks/bonds or lower-growth periods

Pessimistic planning, bonds-heavy portfolio

Commonly cited "realistic" long-term stock market return after inflation

Default planning estimate

10%

Historical S&P 500 average (before inflation adjustment)

Optimistic, 100% stock portfolio

Your Peachy Money Game Dashboard 🍑

Ready to make saving actually fun? 🌸

Enter your numbers

What if $25/month could change their future?

What this could create for your child

🎓 Starter Fund

🌱 If They Let It Sit

💅 Cost Per Day

The "what if we added a little more?" effect

+$10/month

+$25/month

+$50/month

🌱 Why investing for kids is different from saving

🏦 Custodial Roth IRA: the best account most parents don't know about

📐 The Rule of 72: how to estimate when money doubles

💡 The opportunity cost of waiting: a real comparison

🧸 How to actually find the $25/month — practical ideas for parents

Your Peachy Money Game Dashboard 🍑

Ready to make saving actually fun? 🌸

Enter your numbers

What if $25/month could change their future?

What this could create for your child

🎓 Starter Fund

🌱 If They Let It Sit

💅 Cost Per Day

The "what if we added a little more?" effect

+$10/month

+$25/month

+$50/month

This made $25/month feel powerful.

🌱 Why investing for kids is different from saving

🏦 Custodial Roth IRA: the best account most parents don't know about

📐 The Rule of 72: how to estimate when money doubles

💡 The opportunity cost of waiting: a real comparison

🧸 How to actually find the $25/month — practical ideas for parents