A $4,800 goal: what changes when you lose three months?
A zero-interest saving plan isolates the part you control: the deposit and the deadline.
Work through the exampleEVERYDAY MONEY, MADE CLEARERLess guesswork.
Less guesswork.
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Work out the numbers. See how they’re calculated. Make sense of your saving, borrowing and everyday spending.
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A goal, broken into stepsWorked example
$300 / month
To reach $4,800 from $1,200 in 12 months at 0% interest.
Starting balance $1,200Target $4,800
The method is visibleFormulas, timing and rounding explained.
Compare what changesExplore a different deadline or payment.
Take the details with youDownload a schedule. Check every step.
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Savings goal
Turn a target balance into a monthly saving plan. See the difference a shorter deadline makes.
Open calculatorCompound interest
Separate your own deposits from calculated interest, and compare beginning- and end-of-month contributions.
Open calculatorLoan repayment
Compare scheduled payments, monthly overpayments and a one-time payment with a complete amortization table.
Open calculatorEmergency fund
Build an essential-expense budget and see how long current savings would cover it.
Open calculatorSubscription costs
Put weekly, monthly and annual subscriptions on the same basis, then compare what you keep and cancel.
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All worked examples →Follow the numbers.
The same deposits, two different timings
See why moving a deposit to the start of the month changes interest without changing your contributions.
Work through the exampleA $12,000 loan: compare three repayment paths
Follow monthly overpayments and a one-time payment all the way through the final installment.
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