Skip to content
EspañolStart free

Free calculator

Take what you already have away from what it costs, then divide by the months left, counting this one. That is what to set aside each month; the calculator works it out and shows you the plan month by month.

The example the calculator starts with: $ 24,000 in six months.

Monthly savings calculator

Enter what it costs, what you have and when you need it. The examples only fill in the form.

Start from an example
Currency

What you need to have put away.

If you haven’t started, leave it at 0.

When do you need it?

By March 2027

Split between

Equal shares. In Llegamos each person can put in their own amount.

What to set aside

a month

That’s 6 months, counting this one, until March 2027. You still need $ 24,000.

Month by month
MonthSet asideSaved
Oct 2026$ 4,000$ 4,000
Nov 2026$ 4,000$ 8,000
Dec 2026$ 4,000$ 12,000
Jan 2027$ 4,000$ 16,000
Feb 2027$ 4,000$ 20,000
Mar 2027$ 4,000$ 24,000

It’s the same calculation a pocket does in Llegamos: what’s missing, spread over the months left. Each month the app suggests it and you confirm it.

Nothing is saved and there is nothing to sign up for: your browser does the maths.

01

Three steps, no tricks. It is the same rule a pocket in Llegamos uses to tell you how much to set aside, so what you see here is what you will see in the app.

  1. What is missing

    What it costs minus what you already have put away. If you already have it all, nothing is missing and there is nothing to set aside.

  2. The months left

    From this month to the month you need the money, both included. If it is due in March and it is October now, that is six months: October through March.

  3. What is missing, divided by those months

    Rounded to the cent. The sum is redone every month from what you have, so the last month absorbs the cents and you land exactly on the goal.

Example: a yearly car tax, split between two
What it costs (sample figure)
$ 24,000
Already set aside
$ 6,000
Still missing
$ 18,000
Months, October to March
6
Each month
$ 3,000

Each person sets aside $ 1,500 a month

02

Some bills don’t come every month but always come: a yearly tax, insurance, the holidays, the end-of-year season. Wait until the month they land and that month falls short. Put a little aside every month and the money is there when they arrive.

This is what people call a sinking fund: money you fill bit by bit for something you know is coming. Put simply, it is a pocket with a name and a date.

  • You see it coming. A $ 24,000 bill in March becomes $ 4,000 a month from October: something your monthly budget can carry.
  • What you set aside stops being free money. So it does not get spent by accident.
  • The sooner you start, the less it takes. The same amount over twelve months weighs half what it does over six.

03

The calculator splits equally, which is the simplest place to start. If your household earns very different amounts, it may feel fairer for each person to chip in by income: that is what the split by income calculator is for.

In a shared pocket in Llegamos it does not have to be half and half: each person says how much they put in each month, and the app suggests each one their own amount.

04

In Llegamos a pocket is money you set aside for something: a bill that repeats, like a yearly tax, or a goal, like a trip. Give it an amount and a date and it does this same sum every month.

  1. Create the pocket

    For a bill, it aims at the next due date of one of your monthly bills. For a goal, at the amount and date you give it. Each pocket keeps one currency: pesos, dollars or whatever your household uses.

  2. Each month it suggests how much to set aside

    What is missing over the months left, with what the pocket already holds taken off: put in more one month and the next ones ask for less. If you would rather have a fixed amount, each person saves how much they add a month and the app proposes that.

  3. You confirm it

    You see what each pocket asks for this month and confirm it, or change it. The app suggests, it never sets money aside on its own: nothing moves until you confirm.

  4. When it is due, pay from the pocket

    The payment comes out of the pocket in one step. For a bill, the plan moves on to the next due date by itself.

05

  • Push the date back. One more month spreads the same amount further.
  • Lower the goal. A shorter trip, a smaller gift.
  • Start with what you have. Whatever you put in today comes off, and the months after ask for less.

Why does the current month count?

Because you can still set money aside this month. If you need it in March and it is October, you have six months to save it, not five. It is the same rule Llegamos pockets use.

Does the day of the month matter?

No. The calculation goes by months: due on the 5th or the 28th, the month counts the same. If it is due early in the month and you get paid later, you may want to pick the month before.

What if I miss a month?

The sum is redone from what you have: what you missed is spread over the months left, so the monthly figure goes up a little. Put in extra one month and the next ones go down.

Does it work in dollars?

Yes. Pick dollars and the calculation is the same; only the way the figure is written changes. It does not convert between currencies: if you are saving dollars, you set aside dollars.

Does the calculator store what I type?

No. Your browser does the maths and nothing is stored. If you want it worked out for you every month, put it in a pocket in Llegamos.

  • Savings pocketsMoney set aside for a bill or a goal, its balance in sight and how much to add each month to get there.
  • Split expenses by incomeWhat each person puts into the household expenses, by income or in equal parts, and who owes how much to whom.
  • Monthly billsEvery recurring bill in one list: rent, power, internet, the loan. When each is due and what you have left.