Spending Less vs Saving More

Ever wonder how even small monthly financial choices can impact your retirement, depending one whether you choose to spend or save that money?

Use the calculator below see how cutting back on less- or non-essential expenses can have a big impact on your retirement savings. You can customize the expense categories on the left and the monthly amount on the right, as well as the time and desired interest rate, then click "Submit".

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. This service shall not infer that the company assumes any fiduciary duties. In addition, such service should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Note: Zuk Financial Group and its affiliates do not provide legal, tax, or estate-planning advice. For questions about a specific situation, please consult a qualified adviser.

Financial calculators and financial information provided are for general information and should not be construed as investment advice or relied upon to make investment decisions. Accuracy of the calculators and their applicability to your circumstances is not guaranteed. Please keep in mind that it is possible to lose money and not achieve the objectives of the calculators. Dividends and returns on investment are neither estimated nor guaranteed. Actual dividends and returns on investment may be higher or lower than the results attained in the hypothetical calculations.  Investments seeking higher rates of return generally also involve a higher degree of risk.  Neither Zuk Financial Group nor LPL is responsible for the consequences of any decisions or actions taken as a result of the information provided by these calculators.


· Not FDIC/NCUA insured · Not bank/CU guaranteed

· May lose value · Not a deposit · Not insured by any federal agency