Christmas budget calculator: how much to save per paycheck
List your gifts and the other holiday costs, enter what you've already saved and how often you get paid. See your Christmas total and exactly how much to set aside from each paycheck so it's paid for in cash. Free, no signup, no bank login.
How it works
How much should I spend on Christmas?
Start from what you can save before the holiday, not from last year's receipts. Pick a number per person, then add the costs people forget: food and hosting, the tree and decorations, wrapping and cards, and travel. If the amount per paycheck is more than you can spare, trim the list here before you shop, not in January.
What is a Christmas sinking fund?
A sinking fund is money you put aside a little at a time for a cost you know is coming. Divide what you still need by the paychecks left before Christmas and move that amount to a separate savings account every payday. When December comes, the money is already there.
How are paychecks counted?
Days to go divided by the days between paychecks (7, 14, about 15 for twice a month, about 30 for monthly), rounded up. If the date has passed or it's today, the whole amount still to save is shown as needed now.
Where are my numbers stored?
Only in this browser on this device. Nothing is sent to us.