Know the cash. Show the assumptions.
A local study-budget calculator and a separate credit-bundle planner. No login, uploads or currency conversion.
Vendor links in this edition are direct links. No paid placements are included. Comparisons describe published documentation, not hands-on test results. Commercial disclosure
All starting amounts are invented inputs for demonstrating the calculation, not vendor prices or market averages.
Cash and internal time
This is a planning total, not a supplier quote or accounting expense measure. Tax, unused capacity and charges you have not entered are not inferred.
Credits are a separate calculation.
Enter the credits required by the scenario. The planner finds a minimum-cash combination of the documented bundles. It does not invent a study-duration rate or include software.
Purchase and remainder
Read the result correctly
“Cash + valued internal time” is a decision aid, not a claim that staff time creates a second invoice. An annual software amount is the full payment you enter, not an automatically prorated monthly expense.
The credit tool allocates purchase cost proportionally between used and unused credits. Remaining value is not a refund promise. Maze documents a twelve-month validity; this edition does not assert a Useberry expiry period.
All calculation happens in this page. Nothing is uploaded. Read the complete budgeting guide or inspect the credit examples.