Solvent — Personal Finance

Monthly Income

$0

After tax

Total Expenses

$0

— % of income

Monthly Savings

$0

— % saved

FI Number

$0

25× annual expenses

Income Calculator

See how a raise (or a cut) affects your monthly savings and your accounts over time. Tax is factored in automatically.

Salary change (gross): +0%

Expense change: +0%

Project ahead: 5 yrs

Assumptions:

Inflation: — · Marginal tax: — · Market return: 7%

Defaults are region-based estimates. Tax rate is a simplification — see the Budget tax calculator for a more precise figure.

Stress Test — Market Crash

Income Sources

Primary Salary (after tax)

$

Side Income / Freelance

$

Investment / Dividends

$

Other Income

$

Total Monthly Income

$0

Auto-deposit salary to bank account

Expenses

Housing

$

Food

$

Transport

$

Healthcare

$

Entertainment

$

Subscriptions

$

Clothing

$

Other

$

Total Expenses

$0

Budget Summary

Tax Calculator

Quick estimate of how much of your gross salary goes to income tax. Enter your salary and pick your country, or override with a custom %.

Salary period

Amount entered is

Salary amount

$

Tax country

Disclaimer: This is a simplified estimate based on publicly available 2024 brackets and does not include credits, deductions, marital/family status, regional surcharges, social security, or year-specific updates. We can't be sure this matches your actual tax situation — verify with a qualified tax professional or your country's official portal (irs.gov, bzst.de, tax.gov.ua) before making any decisions. Solvent and its makers accept no liability for decisions made using this calculator.

Spendable Balances

Money you can spend day-to-day. Stays in sync with the Spending Tracker.

Bank account

$

Cash on hand

$

Tax-Advantaged Accounts: Maximize these before taxable accounts. 2025 contribution limits shown.

Can I Afford This?

What do you want to buy?

Price

$

Purchase type

How many months to save up?

Recent Checks

My Savings Goals

No goals yet

Add a goal to start tracking your progress

Portfolio Score

A snapshot of your accounts vs your targets. Click any target to edit it.

Overall

—

Your Financial Health Score

—

Portfolio Sustainability

Score Breakdown

Recommendations

Spendable Money Right Now

Log an entry

Amount

$

Method

Charge date

Сделать подпиской

Название подписки

Category

Note (optional)

Spending for…

Recent entries

Active subscriptions

I owe

They owe me

Terms of Service

Last updated: May 2026

By using Solvent ("the Service"), you agree to the following terms.

1. No financial advice. Solvent is an educational tool for personal budgeting. It is not a financial advisor, broker, or licensed investment service. All numbers, projections, recommendations and tax estimates are for informational purposes only. Always verify with a qualified professional before making financial decisions.

2. No warranty. The Service is provided "as is" without warranty of any kind. Calculations may contain errors. We are not liable for any loss arising from use of the Service.

3. Your data. All data you enter is stored locally in your browser. We do not collect, transmit, or sell your data. If you use the Share feature, your data is encoded into a URL — you control who you give that URL to.

4. Tax information. Tax brackets shown in the Budget calculator are simplified and based on publicly available 2024 data for general orientation. They do not account for credits, deductions, marital status, dependents, regional surcharges, or year-specific updates. We make no claim of accuracy and disclaim any responsibility for decisions made based on these estimates.

5. Acceptable use. You may use Solvent for personal financial planning. You may not use it to provide regulated financial services to others.

6. Changes. These terms may change at any time. Continued use constitutes acceptance.

Privacy Policy

Last updated: May 2026

What we collect: Nothing. Solvent runs entirely in your browser. There is no server, no analytics, no tracking pixels, no cookies set by us.

Where data lives: All financial data you enter (income, expenses, savings, goals, debts, spending entries) is stored only in your browser's localStorage. It never leaves your device.

Sharing: If you use the Share feature, your data is encoded into a URL fragment (after #). The recipient's browser decodes and displays it. The URL is processed locally — no Solvent server sees it. However, anyone who receives the URL can read the data, so don't share it publicly.

Account: If you choose to "sign up", your name and PIN are stored only in your browser. There is no account on any server. Resetting your browser data will erase your account.

Third parties: We load Inter font from Google Fonts. Google may log your IP for that. If you want to avoid it, block Google Fonts in your browser — Solvent will fall back to system fonts.

Contact: Questions? Email stefansidarovich@gmail.com.

Appearance

Theme

Choose how Solvent looks. Auto follows your device.

Region & Currency

Region

Switches the savings accounts and recommendations to local equivalents.

Language

Display language

Translations available for 11 languages. Some are partial — missing strings show in English.

Budget Rules (50/30/20)

Customize how your income should be split. Default is 50% Needs / 30% Wants / 20% Savings. Add custom rules like Goals 5%.

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Your Data

Where data is stored

—

Local browser

Share dashboard

Generate a link a friend can open to view your data.

Tutorials

Replay the first-visit walkthroughs that appear when you open each section.

Reset everything

Clears all your data and starts fresh. Cannot be undone.

Solvent · Your data stays in your browser — nothing is sent to a server.

© 2026 Solvent · Educational tool, not financial advice.

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