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The Goofing Around Calculator
Put in your pay, your bills and your savings goals. See how much is truly yours to have fun with each month, guilt-free.
per month
Where your paycheck goes
Safety-net check
Testing your own stock picks?
Thinking of trying out stock tips you read or hear about? Decide how much of your Goofing Around Money you would put toward it.
For education only, not financial or investment advice. Rules of thumb used: 50% needs, 30% wants, 20% savings and debt payoff, based on take-home pay (NerdWallet). An emergency fund of 3 to 6 months of expenses, and never investing more than you can afford to lose (Investor.gov). Paying off high-interest debt before investing (Investor.gov). Saving 15% of income for retirement including any employer match, and savings of 1x salary by 30, 3x by 40, 6x by 50, 8x by 60 and 10x by 67 (Fidelity). These are general guidelines, not guarantees. Nothing you type is saved.