Pantile Investments

Build a budget, see exactly where your money goes, then make it grow.

Understand your spendingOptimize your savingsTurn what you earn into what you own

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.

The planner is free and needs no account. Create one when you want to save a budget or connect your accounts so it fills in on its own.

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, in a brokerage or IRA, at the same hypothetical 7% +
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 35$0.00$550.00K$1.10M$1.65M$2.20M$2.16M
Sample data shown. Enter your information to see your real projection.
Income, Age & Contributions

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

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$
Your employer’s match is added on top of what you contribute. It is not part of your take-home pay.
Needs
Monthly amounts

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.

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$
Total Needs$0.00/mo
Wants
Monthly amounts

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.

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Total Wants$0.00/mo
Savings
Monthly amounts

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.

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Total Savings$0.00/mo
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
Put your savings to work, instead of leaving them in cash.
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Cash held in a savings account is not invested and does not participate in market returns. Investing involves risk, including the possible loss of principal, and no strategy assures a profit or protects against loss in a declining market. Nothing here is a projection of results, a recommendation, or personalized investment advice. Talk to an advisor about what makes sense for your situation.