Future Commitment Lock
See future money and time already promised, including notice periods, lock dates and exit fees.
Your numbers
Committed cost within horizon
Month 1 is your first planning month. Costs and time are uniform within each active month; cancellation takes effect at the start of the stop month. Comparisons include only the horizon, and each cancels one item. Contract terms must be checked separately.
Scenario comparison
Up to three snapshots in this tab. Loading one replaces the current inputs.
Formula
Use S = max(a,e,c+n). a is start month, e is earliest stop month, c is cancellation-request month, and n is notice months. If S is within the item's end month, charge active months before it and the exit fee in the stop month; otherwise the original end remains.
See future money and time already promised, including notice periods, lock dates and exit fees.
Worked example
- First planning month (YYYY-MM)
- 2026-11
- Planning horizon (months)
- 12
- Monthly available income
- 5000
- Monthly essential spending
- 3000
- Monthly available hours
- 80
- Other fixed monthly hours
- 20
- Request cancellation at start of month number
- 3
- Committed cost within horizon
- 4,400
- Committed time within horizon
- 256 hours
- Lowest monthly free money
- 1,550
- Lowest monthly free time
- 32 hours
- Largest net saving from one cancellation
- 870
Money and time commitments
- Gym
Cost/month: 100
Hours/month: 12
Start month: 1
End month: 12
Earliest stop month: 4
Notice months: 1
Exit fee: 30
- Course
Cost/month: 200
Hours/month: 16
Start month: 2
End month: 8
Earliest stop month: 5
Notice months: 1
Exit fee: 50
- Machine
Cost/month: 150
Hours/month: 0
Start month: 1
End month: 12
Earliest stop month: 12
Notice months: 2
Exit fee: 200
Scope and limitations
Month 1 is your first planning month. Costs and time are uniform within each active month; cancellation takes effect at the start of the stop month. Comparisons include only the horizon, and each cancels one item. Contract terms must be checked separately.
Inputs are checked for missing values and allowed ranges. A result outside the finite numeric range is not displayed. Rounding affects display, while the calculation uses the model’s numeric precision.
Check your units and assumptions before relying on a result. Changing a label does not convert a currency or physical unit.
Formula version: 342815c742bf · Example checked: