Investable cash calculator
Take what you already know is going out, and what you would need if your income stopped, off the cash in the account. What survives is the part any investing question is about.
Investable cash calculator
The figures below start on an example from one of our articles. Type over them.
What is in the account today, not what is on the way.
Known outflows, next twelve months
Payments you already know are coming. The tax bill, the deposit, the car, the course you keep putting off.
Adding up the rows below. Remove them all to type a single total instead.
Essential spend, not total spend. Rent or mortgage, food, power, transport, insurance, the things that carry on regardless.
Nobody can hand you this number, so we have not put one in. What moves it: one income in the household or two, the notice you would get, and how quickly a job like yours gets filled.
Noted, and it changes nothing here. It belongs in the months figure above, and that figure is yours to set.
Anything you are carrying at credit-card rates. It is money already spoken for, and unlike the tax bill it grows while you decide, though we hold it flat here rather than model that growth. Leave it at zero if there is none. Working out how to clear it is a different job, and the debt repayment calculator does that one.
Nothing you type here is saved. It never leaves your browser: no account, no server, and none of it goes into a cookie. Close the tab and it is gone.
What survives
Put in the months of income you would need to replace. Until then there is nothing to work out, and we are not going to guess it for you.
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When the known outflows land
What these twelve months assume: no income arrives during them, the reserve and any card balance are held back from the start, only the outflows you have dated appear here, and the card balance sits flat because we apply no interest to it.
This tool takes your months figure and does not argue with it. If you would rather see how a published method sizes a safety net, the emergency fund calculator does that instead.
How this works out
Three things come off, and nothing else. Your known outflows over the next twelve months come off first, because that money is already promised. Then a reserve, which is your essential monthly spend multiplied by the months of income you say you would need to replace. Then any balance you are carrying at card rates, for the same reason the tax bill comes off: it is already spoken for. What is left is the remainder. There is no official rule that fixes the months for you. Institutions do publish guidance, and it does not agree with itself, so the months figure is yours and this tool supplies none. We take the card balance off whole and apply no interest to it, because working out what clearing it costs is a separate job with its own tool. There is no rate here, no growth, no forecast and no view on what you should do with anything the subtraction leaves you. This is educational, not financial advice, and not a recommendation to do anything in particular with your money.