Budget Tool

See exactly where your money goes, then make it grow.

Knowing where every dollar goes is the first step to optimizing your savings. Direct that surplus into a 401(k) and an investment account like Pantile, and compounding does the rest. The earlier you start, the greater the effect.

Understand your spending
Optimize your savings
Turn what you earn into what you own
Save your budget so you can come back to it.
Flat Savings + Employer 401k + Investment Accounts

Assumes retirement at Age 65

Your employer 401(k) growing at 7% per year (the S&P 500 average) +
Your additional investments, say with Pantile, growing at our average annual return of 10.4% +
Your monthly savings in cash, as entered below

Enter your financial information below to see what compounding your savings into investments can do to grow your wealth.

Yr 0Yr 5Yr 10Yr 15Yr 25Yr 35$0.00$800.00K$1.60M$2.40M$3.20M$3.17M
Sample data shown. Enter your information to see your real projection.
Income, Age & Contributions
$
$
Assuming 50% employer salary match up to 6%
Needs
Monthly amounts
$
$
$
$
$
$
$
$
$
$
$
$
Total Needs$0.00/mo
Wants
Monthly amounts
$
$
$
$
$
$
Total Wants$0.00/mo
Savings
Monthly amounts
$
$
$
Total Savings$0.00/mo
Income

Enter your annual salary and any additional monthly income. Your 401(k) contribution is deducted before taxes, reducing your taxable income.

Needs

Needs are what you need to live your life: rent or mortgage, food, transportation, utilities, and insurance. The 50/30/20 rule targets 50% of your net income here.

Wants

Wants are what you spend money on to live a full life: social expenses, gym memberships, travel, and subscriptions. Target is 30% of net income.

Savings

Savings are what you use to generate wealth with the remaining cash left over. This is the most important item to optimize. The 20% target is a floor, not a ceiling.

Monthly Summary
Gross monthly income
$0.00
401(k) contribution (pre-tax)
-$0.00
Federal income tax
-$0.00
State income tax
-$0.00
FICA
-$0.00
Net monthly take home$0.00
Needs
$0.00
Wants
$0.00
Savings (incl. 401k)
$0.00
Remaining$0.00
Where Your Money Goes

Monthly net pay split

Enter your salary to see the breakdown.
Invest with Pantile
Invest with Pantile and retire with significantly more than if you just saved cash.
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Using hypothetical returns in the future, which are the average monthly return from all Pantile accounts going back to July 2021, which may or may not be indicative of actual future portfolio returns in Pantile accounts.