Free calculator
How much to invest monthly? Calculate in 1 minute
There is no magic number. The right amount is sustainable for your budget. Use a percentage of income or the 50/30/20 rule and see a monthly suggestion before you build your portfolio.
How much to invest each month?
Estimate a sustainable monthly amount from your income, no account required.
Monthly suggestion
$1,300.00
20% of take-home pay
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Why set a monthly amount?
Regular contributions build discipline and reduce the urge to time the market. After you decide how much to invest each month, the next step is allocating across stocks, REITs, ETFs, and fixed income. That is where the contribution simulator comes in.
Turn the monthly amount into a contribution plan
Add your portfolio for free, set a target allocation, and get suggestions for how much to buy in each class this month.
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Frequently asked questions
How much should I invest each month?+
There is no single answer: it depends on income, expenses, and goals. A common reference is 10% to 30% of take-home pay, as long as it does not crowd out emergencies or high-interest debt.
What is the 50/30/20 rule?+
It is a simple budget split: 50% needs, 30% wants, and 20% savings and investments. It is a starting point, not a rigid rule.
Is investing a small amount each month worth it?+
Yes. Regular contributions, even modest ones, build discipline and compound over time. Consistency matters more than size at the start.
How does Portfolio Ceiling help after the calculation?+
You add your portfolio, set a target allocation, and get monthly contribution suggestions based on underweight holdings and each asset price ceiling.