How the math works
Fixed: daily × 30. Ladder: base × (30 × 31 / 2).
Example
- Choose fixed daily or increasing.
- Enter a comfortable daily number.
- Decide if you can actually do this for 30 days — then start.
Catch the catches
- Missed a day? Add it to tomorrow instead of quitting the month.
Questions
What if I miss a day?
Mark it later or add the amount tomorrow. The checklist is a habit aid, not a contract.
Are these calculators free?
Yes. They run in your browser. You do not need an account, and we do not require personal financial data to use them.
Should I treat the result as a bank or store quote?
No. Results are educational math. Merchants, lenders, and tax rules can differ. Verify the live terms before you pay.