The 50/30/20 Rule
Allocate 50% of income to needs, 30% to wants, and 20% to savings and debt repayment.
Mortgage · Compound Interest · Inflation · Currency
Plan your home purchase, grow your investments, protect against inflation, and convert currenciesâall in one place.
Calculate monthly payments, compare rent vs buy, and see how extra payments can save you thousands.
Monthly Payment
$2,572.62
Loan Amount
$320,000
80.0% financed
Total Interest
$408,142.36
128% of loan
Total Payment
$926,142.36
Over 30 years
Payoff Date
Jan 2056
360 payments
Allocate 50% of income to needs, 30% to wants, and 20% to savings and debt repayment.
Starting to invest at 25 vs 35 can mean 2x more money at retirement due to compound interest.
If you'll stay less than 5 years, renting often wins. The break-even point matters more than ownership.
Money sitting in savings loses about 2-3% purchasing power annually. Make your money work for you.