Free calculator
Investable income: how much of your paycheck is left?
Find out in seconds how much you can invest each month without straining your budget. Enter income, fixed costs, and variable spending. The calculator shows your surplus and how it covers your contribution target.
How much can you invest?
Simulate income, expenses, and a contribution target without creating an account.
Leftover
$2,600.00
Contribution target
$1,300.00
Target coverage
200%
With $2,600.00 left, you can build a portfolio with a method.
Next: preview the split in the simulator. Create an account only if you want it saved.
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How to use the calculator
- Enter your monthly take-home income (salary, freelance, other inflows).
- Add fixed costs (housing, insurance, subscriptions) and variable spending (dining, shopping).
- Set a contribution target as % of income and compare it with your real surplus.
- Optional: create a free account when you want to save these numbers in the dashboard.
Save your investable income in your portfolio
With a free account, you record income and expenses, see monthly surplus on the dashboard, and connect it to the contribution simulator with your real allocation.
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Frequently asked questions
What is investable income?+
Investable income is what remains of your monthly income after fixed and variable expenses: the cash available to invest without straining your budget.
How do I calculate how much I can invest?+
Add your monthly income, subtract fixed costs (rent or mortgage, utilities) and variable spending (dining, shopping). Compare the leftover with a contribution target (% of income) to see if you are on track.
What contribution target is recommended?+
Many investors aim for 10% to 30% of take-home pay. The right number depends on your goals, debt, and life stage. Start with a sustainable percentage and increase over time.
Do I need an account to use the calculator?+
No. The calculator is free and works without signing up. Create a free Portfolio Ceiling account to save income, expenses, and track your portfolio.