Free · private · no bank link

See when your salary becomes yours again.

Every EMI, premium, subscription, and temporary commitment has an ending. Map those endings, see the paycheque they release, and write instructions for that money before lifestyle creep claims it.

Sample figures only Estimates become ranges Everything stays in this tab
1. Your monthly baseline

Use take-home pay and the essentials that continue even after a loan or plan ends. The sample below is fictional.

2. Payments that will end

Enter the last payment month—not a balance or account number. “Estimated” amounts are shown with a ±15% range so the result never pretends to be exact.

3. Your promise to future you

Split every released payment into three instructions. This is your preference, not a recommendation; the percentages must total 100%.

Total: 100%

No sign-in, storage, analytics payload, or bank connection. Your amounts are never sent anywhere. Close the tab and they are gone.

Your release map

Use the fictional sample first. Then replace it with your own monthly baseline and ending payments. You will get an honest range, the next unlock date, and a downloadable one-page promise.

A different money question

Not another EMI calculator.

Most tools optimise a loan. This one protects the income that appears after any temporary commitment ends.

It starts after payoff.

Interest saved is useful. But the bigger behavioural moment is the first month a payment disappears. The map makes that future paycheque visible now.

It admits uncertainty.

An estimated payment becomes a range. A missing amount blocks the result. No false precision, no quiet spreadsheet errors, no confident answer built on an unknown.

It pre-commits the release.

You decide the safety, future, and enjoyment split before the money arrives—when the choice is easier and lifestyle has not expanded around it.

Transparent method

Simple math you can audit.

The tool subtracts essentials and active commitments from take-home pay. Confirmed payments use the amount entered; estimates use a ±15% band. Each payment is treated as released in the month after its last payment. The 24-month “protected pay” total adds the released amount for every month it stays free. It assumes no investment return.

Educational planning aid only—not financial, investment, tax, credit, or legal advice. Verify payment dates, foreclosure terms, and transfer instructions with the relevant provider before acting.