What's it worth to reduce my spending?

This tool helps you determine how much reductions in spending may be worth if you invest the savings. Budget tightening ideas include eating out less, buying fewer clothes, taking fewer trips, waiting to buy a new car, going to fewer movies, brewing coffee at home, paying off credit cards, and carpooling to work, among others.

The tool assumes you contribute at the beginning of each month and that you save with a taxable account. If you want to simulate saving with a tax-advantaged account, enter a zero in the field for your state and federal tax rate.