SURVYR
PlanningHypothetical

Give every dollar of take-home pay a job.

Split take-home pay into needs, wants and saving, and see when an emergency fund fills

Open in Planner ›Carries these numbers into one plan with your other calculators.

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Hypothetical illustration only. These numbers are estimates based on your inputs and assumptions, could be completely wrong, and are not financial, investment, tax, insurance, legal, real-estate or retirement advice. Past returns don't predict future results. Important disclosures

Assumptions and limitations
  • Shares are scaled to add up to 100%. Months to an emergency fund assume the whole saving slice goes to it, with no interest.
  • The investing projection uses the Investing 101 convention: a constant return credited monthly, the saving slice added at the end of each month, no fees, taxes or inflation.
  • Every number is hypothetical and depends entirely on what you enter. Small changes in assumptions can change results a lot.
  • Returns are smooth and constant in the single-number projection; real returns vary every year, and real markets can do better or worse than anything shown.
  • Inflation is a single constant rate you choose (except in historical replays, which use the actual CPI of each year).
  • Growth compounds monthly (or at the contribution frequency) and contributions are made at the end of each period.
  • No taxes unless you turn on the simplified tax drag (all positive growth taxed each year at your rate, which overstates tax for buy-and-hold). No fees unless you set one.
  • Inputs stay in your browser. Saving uses this device's local storage; a share link contains the numbers you entered, so anyone with the link can see them.

SURVYR. may be wrong. Check every number yourself, and talk to a licensed professional before acting on anything.

Coteau Planning tools are educational calculators. Coteau is not a registered investment adviser, broker-dealer, tax professional, insurance agent or other licensed professional, doesn't manage money, and doesn't sell or recommend any product. Talk to a licensed professional before making decisions. Not investment advice · Important disclosures

Generated · SURVYR. Planning · Hypothetical illustration only, not advice · survyr.app/legal/disclaimer

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Systematic research · Not investment advice · Hypothetical unless marked Live · Data: Yahoo Finance (15-min delayed), SEC EDGAR, House Clerk · Important disclosures · Contact desk@coteau.app

Coteau 0.9 · Oct 21, 2026