You could reach your €12,000 goal in about 19 months.
- Starting from
- €3,000
- Monthly change
- +€450
A clear date for the goal ahead
When can I
When can I
afford it?
Turn the money you have, earn and spend into a realistic monthly path—then see when your goal becomes affordable.
Start your simulation
Free · No signup · About 2 minutes
New car
Simulation data not stored
What is Budget4?
A savings goal calculator built around your monthly cash flow.
Budget4 is a free savings goal planner that estimates when a large purchase or financial target becomes affordable.
It starts from the amount you choose to make available, then combines your regular income, expenses and optional future events into a month-by-month projection.
Simple by design
From a goal to a date in three steps
No spreadsheet and no financial jargon. Start with a normal month and refine only when it helps.
-
01
Describe your goal
Enter what you need and how much of your current money you want to consider available.
-
02
Add a normal month
Use your usual income and expenses. Add bonuses or annual bills later if you need them.
-
03
Explore your path
See the target date, monthly liquidity and how small What-if changes affect the outcome.
More useful than a single number
A plan you can actually inspect
Budget4 simulates your balance month by month, so irregular events and difficult periods stay visible.
Build your planA concrete target date
Replace a vague “someday” with the month and year your projected balance reaches the goal.
Your monthly path
Inspect the balance timeline and spot the first month in which liquidity could become negative.
Changes without commitment
Compare saving, earning or starting with more before applying anything to your original plan.
Events that reflect real life
Include one-time, monthly and annual income or expenses without turning the page into a spreadsheet.
How the date is calculated
A deterministic month-by-month simulation.
Each simulated month starts from the previous balance, adds regular and exceptional income, subtracts regular and exceptional expenses, and checks whether the resulting balance has reached your goal.
Read the large purchase planning guide
A concrete example
A €12,000 car feels different with a date attached.
Start with €3,000 and a normal monthly increase of €450. Budget4 projects the balance month by month and shows the first month the goal is covered.
Add annual insurance or compare saving €100 more: both plans are recalculated with the same monthly engine.
Illustrative plan
Goal reached
March 2028
Estimated target month
Goal€12,000
Starting€3,000
Monthly+€450
Privacy without fine print
Use it without creating an account.
Your simulation data is sent to the Budget4 backend only to calculate your result and is not stored.
- No registration
- No database of financial scenarios
- No advertising profile
Questions, answered
Before you start
Is Budget4 financial advice?
No. Budget4 is a planning tool based on the values you enter. It does not account for every real-world risk and does not replace professional financial advice.
What should I include as my starting amount?
Enter only the amount you genuinely want to make available for this goal. You can leave out savings you want to keep as a reserve.
Can I include annual bills or one-time income?
Yes. After the first result, refine the plan with monthly, annual or one-time income and expense events.
Does Budget4 save my financial data?
No. The MVP uses your inputs to calculate the result on the backend but does not persist them in a database.
Does the projection include inflation or investment returns?
No. The MVP deliberately uses a deterministic monthly cash-flow simulation without inflation or investment-return assumptions.
One goal. Four inputs. One clearer next step.
Start with the month you know. You can add the messy details after your first result.
Start your simulation