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T21Finance · Budget

Joy & Wealth Balance

Payday arrives, the bills leave, and somewhere in between the money vanishes. First we find out how much is really left. Then you decide how much goes to joy today and how much to wealth tomorrow, with your own salary, inflation and returns.

1.1
AI-generated image: a happy hamster pushing a shopping cart full of treats in front of a shop
She split what was left: one pile for joy, one pile for later. Both piles are smiling.
1.2
AI-generated image: a hamster in sunglasses lying on a pile of gold coins next to a calendar reading Budget? Later.
The wallet: "You're on your own now." And so, he learned the value of a budget.

Images generated by AI.

1.3Step 1 · How much is left after every bill? (change any amount: the result updates)

What remains in your account each month once your salary has paid every bill and fixed charge, in today's money. The box on the right is the currency where you live: it applies to every amount on this page.

1.4Step 2 · Joy now or wealth later? (slide to split what is left)

1.5Step 3 · The assumptions (every value is an assumption: change any of them and the curves move)

What you have put aside today, in the currency you choose on the right (the same one as everywhere on this page). It is invested from day one together with what you save each year.

Only used with the exchange-rate setting below. If your investments are in the same currency as the one you live on, the exchange rate changes nothing.

1.6Fun spent vs savings over 20 years

1.7What it adds up to

1.8Show the year-by-year details

2How it works

2.1The idea

Your salary pays the bills first. What remains is yours to split: some is spent on fun, the rest is saved and invested. Every year your salary and your bills move at their own pace, and the two curves show what each choice builds.

2.2What is counted

Your salary and its raises, your bills and inflation, the fun you spend each year, the money you save, investment returns (capital and dividends), tax on dividends and on the gain, and the exchange rate between your investments and the currency you live on.

2.3What is not

Your personal situation, bonuses, one-off expenses, tax rules that depend on your income, future returns and prices (they are assumptions you set), and the very real joy of a cheap sunset.

2.4How to use it

Fill in your real bills, slide the split, then test good and bad years (low returns, high inflation). There is no perfect split: the curves only show what each one costs you today and gives you later.