BloominChristmas savings calculator
To save for Christmas, add up gifts, food, travel and anything else, take off what you've already set aside, then divide by the paydays left before you need the money.
Change the example amounts below to yours to see what to save each paycheck and the dates to do it.
Optional. See when this amount would get you there.
Christmas total
$950
Gifts, Food and drink, Travel and 2 more.
$950 to save.
Save this much every two weeks to have it by Dec 1, 2026
$475
2 deposits, the last on Nov 21, 2026.
- Nov 7, 2026$475
- Nov 21, 2026$475
No interest is added. Every number here is plain arithmetic.
To improve these tools, we keep a rounded copy of the numbers and choices you enter. Names you type are kept only if they're common ones like Rent or Vacation. None of it is linked to your name or email. What we keep
How it works
The calculator adds your lines together and counts your paydays from today to the date you need the money, December 1 unless you change it. It divides what's left by those paydays, rounding up to the cent, and lists each payday with its amount. If you add what you could save each payday, it shows whether that gets you there in time.
Starting earlier
The same total costs far less per paycheck when it's spread over a year instead of a month. If this year is tight, setting next year's date now gives you every payday until then. No interest is added.
Read next
Questions
How much should I save for Christmas?
Whatever your own list adds up to. Gifts, food, travel and decorations vary a lot from one household to the next, so start from last year's spending or this year's list rather than an average.
How do I work out how much to save per paycheck for Christmas?
Add up what you plan to spend, take off anything you've already put aside, and divide by the paydays left before you need the money. $950 with 5 paydays left is $190 per paycheck.
When should I start saving for Christmas?
The more paydays you have, the smaller each one needs to be. Starting in January spreads the cost over about 26 paychecks if you're paid every two weeks; starting in November leaves two or three.