Learn how you can use the Save or Spend Calculator
Because your money decisions should feel intentional.
Feel clearer and more confident about the choices you make every day.
The Save or Spend Calculator is a free online tool that helps you understand how everyday spending decisions can impact your long-term financial outcomes. It’s designed to be simple, fast, and practical — with no accounts, no sign-ups, and no hidden assumptions.
By comparing spending now versus saving or investing, the calculator helps you see how small financial choices can add up over time.
Try the calculator to explore spending vs saving scenarios instantly.
3 Simple Steps to evaluating your decisions !
1. Enter Your Earning Numbers
Start by entering the amount of money you’re deciding whether to spend or save. You can also adjust the time period and expected rate of return if you’re considering saving or investing. All inputs are optional and fully under your control.
2. See instant results
The calculator instantly shows the potential difference between spending money today and saving it for the future. Results update automatically as you change the values, allowing you to explore multiple financial scenarios in seconds.
3. Compare spending vs saving outcomes
You’ll see how small, regular spending habits can reduce long-term savings — and how saving or investing the same amount could grow over time. This side-by-side comparison helps put everyday financial decisions into perspective.
4. Make better financial decisions
This tool is designed to support financial awareness and planning, not to provide personalized financial advice. Use it as a guide to help evaluate trade-offs before making spending or saving decisions.
For general guidance on consumer rights and financial decision-making in Europe, you can also refer to the European Consumer Centre Network (ECC-Net).
5. Your privacy matters
Read our Privacy Policy
Important disclaimer
The Save or Spend Calculator provides illustrative estimates only. Results are not guaranteed and should not be considered financial, investment, or legal advice. Always consider your personal circumstances or consult a qualified professional before making financial decisions.
