Make room for
what comes next.

APR ÷ 12 applied to each opening monthly balance, with interest rounded to cents. Minimums are paid first; the remaining fixed budget goes to the highest APR or smallest remaining balance. Paid-off minimums roll forward. The final payment is capped at what you owe.

No new purchases, changing rates, fees, daily accrual, promotional periods, or lender-specific minimum formulas. Enter each required minimum yourself; this model keeps it fixed. If no active balance declines, or payoff exceeds 100 years, no successful payoff is reported. CFPB debt resources ↗

Monthly growth factor = [(1 + annual return) × (1 − annual fee)]^(1/12). Fees are modeled as a proportional annual asset haircut. Contributions arrive at your selected timing and increase once each year. Inflation divides each balance by (1 + inflation)^years.

The delayed scenario holds the initial amount as non-interest-bearing cash, then begins investing and contributing after the delay. Missed deposits are not made up; raises follow the original calendar. Taxes, employer matches, account limits and volatile returns are excluded. A steady return cannot capture sequence risk. All presets are illustrative. Investor.gov compounding ↗

Target = monthly essentials × selected months + a one-time shock. Contributions arrive at month end. Monthly growth uses (1 + APY × [1 − tax haircut])^(1/12) − 1. The haircut is a simplified estimated reduction in interest yield, not a calculation of federal or state tax owed.

Expenses, APY and deposits stay constant; no withdrawals, inflation or account fees are included. Interest on current savings excludes future deposits. Time to target is capped at 100 years; the chart shows five years. Cash held in investments may not be immediately accessible or principal-protected. Choose the reserve horizon for your own situation. CFPB emergency savings guide ↗

Average month = 52 working weeks ÷ 12. Revenue = paid hours × hourly rate × average weeks per month. Profit subtracts fixed and variable costs; the tax reserve applies only to positive profit. Effective hourly cash includes both paid and unpaid hours.

No time off, demand fluctuations, depreciation, tax deductions, or detailed self-employment/state/federal tax rules are modeled. Startup costs are separate from recurring profit; recovery time uses after-reserve cash and rounds up to a whole month. A tax reserve is not your tax liability.

Standard, unadjusted equity contracts represent 100 shares. Long call P/L = [max(stock − strike, 0) − premium] × shares − fees. Covered call P/L = [min(stock, strike) − share basis + premium] × shares − fees. Cash-secured put P/L = [premium − max(strike − stock, 0)] × shares − fees.

Expiration payoff only: no time value, Greeks, volatility, likelihood of profit, dividends, interest on collateral, taxes, spreads, stock commissions, closing or assignment fees. Share basis is not a current-market opportunity-cost calculation. Gross put collateral excludes the premium credit; covered calls require ownership of the modeled shares. American-style options may be assigned early; exact-strike assignment and after-hours price moves are uncertain. Do not interpret premium as recurring or guaranteed yield.

OIC cash-secured puts ↗ · OIC covered calls ↗ · Read the options risk disclosure ↗