Spend vs. Invest Calculator | HUB Retirement & Private Wealth
Financial Wellness Tool

Spend vs. Invest Calculator

See how small adjustments to your monthly spending could grow into significant wealth over time.

3 easy steps Enter spending, adjust savings, see potential growth
Instant results See 10 and 30-year projections based on a 6% return
Connect with an advisor Turn your savings plan into a personalized strategy
1
Your Spending
2
Find Savings
3
Your Potential
Step 1 of 3

What do you spend each month?

Enter amounts for the categories that apply to you — skip any that don't.

Monthly Total

Per month $0
Per year $0
Over 10 years $0
Over 30 years $0
✓
Your Spending
2
Find Savings
3
Your Potential
Step 2 of 3

Where could you save?

We've suggested a 20% reduction in each category as a starting point. Adjust any amount to match your goals. How we calculate this

Updated Total

Per month $0
Per year $0
Over 10 years $0
Over 30 years $0
Step 3 of 3 — Your Investment Potential
If you invested your monthly savings, it could grow to
$0
over 30 years*
Start redirecting your savings today.
*Assumes a 6% average annual return, compounded monthly. For illustrative purposes only.
Original spending
$0
per month
Adjusted spending
$0
per month
Monthly to invest
$0
redirected monthly
Growth in 10 years
$0
at 6% avg. return
Take the next step

Ready to turn your savings into investments?

Connect with a HUB Retirement & Private Wealth financial professional for personalized guidance and a plan built around your goals.

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Disclosure: HUB Retirement and Private Wealth offers institutional and retirement services to for-profit and not-for-profit organizations and customized private wealth management services to individuals and families. HUB Retirement and Private Wealth employees are Registered Representatives of and offer Securities and Advisory services through various Broker Dealers and Registered Investment Advisors, which may or may not be affiliated with HUB International. Insurance services are offered through HUB International, an affiliate. Consult your HUB representative for additional information about the provision of specific securities, investment advisory, and insurance services. This material on this website was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.