Calculators
Enter your numbers and get an instant result. No account required. Nothing is stored or sent to a server.
Savings Runway Calculator
How long could your savings last? Enter your savings, monthly spending, and income to get an estimated runway in months, a burn rate, and a projected run-out date.
Calculate my runway →Emergency Fund Calculator
How much might you want saved for emergencies? Enter your monthly expenses and situation to find an estimated savings target and a plan to reach it.
Calculate my target →Monthly Burn Rate Calculator
What is your monthly burn rate? Find out how fast your savings are shrinking each month and what it means for your financial runway.
Calculate my burn rate →50/30/20 Budget Calculator
Enter your monthly take-home income and instantly see how the 50/30/20 rule applies in real numbers, with needs, wants, and savings split out clearly.
Open calculator →Money Scripts Quiz
Six questions to identify your unconscious beliefs about money and how they shape your saving and spending habits, with personalised next steps.
Take the quiz →Budget Personality Quiz
Are you a Planner, Optimizer, Safety Builder, or Intuitive Spender? Find your budgeting style and get advice tailored to how you actually think about money.
Take the quiz →Examples
See the calculator's math applied to real-world situations before running your own numbers.
Savings Runway Scenarios
Ten worked examples, job loss, part-time income, single-income households, and more, calculated with the same formula as the calculator above.
See the scenarios →Checklists & Challenges
Actionable tools you can use today without entering any numbers.
Subscription Cancellation Checklist
A category-by-category checklist to find and cancel subscriptions you forgot you had. For example, cancelling £40/month in unused subscriptions would reduce annual spending by £480.
Open checklist →No-Spend Weekend Challenge
Reset your spending habits in 48 hours. Rules, ideas for free activities, and how to turn a one-off experiment into a monthly habit that actually sticks.
Start the challenge →7-Day Savings Kickstart
One achievable savings action per day for seven days. Calculate your runway, cancel subscriptions, automate savings, and set a 30-day target by Day 7.
Start the kickstart →How to get the most out of these tools
All tools on Savings Roast are designed to work together. The most effective sequence:
- Start with the Savings Runway Calculator. Get your baseline estimate: roughly how long your savings could last at the current rate. Everything else builds on this.
- Use the Emergency Fund Calculator to find out how far you are from a commonly used planning range (3-6 months of expenses). The appropriate amount varies by individual circumstances, so use this as a starting point rather than a fixed rule.
- Run the Subscription Cancellation Checklist to find money you are already paying for but not using. This is usually the fastest win.
- Try the No-Spend Weekend Challenge to break spending patterns and free up more money to direct toward savings.
- Recalculate your runway after making changes. Even small reductions in monthly spending produce meaningful improvements in runway length.
💡 Not sure where to start? Read the Start Here guide for a full orientation to Savings Roast and what to do with your results.
About these tools
Every tool on this page is free to use, requires no account, and never sends your financial data to a server. Calculations happen entirely in your browser. See our Privacy Policy for full details.
All tools use simplified calculations designed to be transparent and easy to understand. They are for general education and estimation only. They do not account for inflation, tax, investment returns, or individual circumstances. See our disclaimer and editorial standards.