Free financial calculators,
built for the life you're building.

Fast, private, no sign-up — everything runs in your browser and works offline.

50/30/20 Budget Calculator

See your needs, wants and savings targets in seconds — then compare against your actual spending.

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Debt Payoff Calculator

Compare snowball vs avalanche side by side: your debt-free date, total interest, and what each method saves.

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Emergency Fund Calculator

See your 3/6/12-month savings target and a monthly plan to get there — in 30 seconds.

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Free voice tools

Talk or type — start with what is safe to spend today, then track side income, family budget, and debt. Installable, works offline.

Safe to Spend

One number instead of a spreadsheet. Say what you spent and see what is still safe to spend today.

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Side Income Tracker

Log extra income by voice. See your total and monthly breakdown.

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Family Monthly Budget

Plan a family budget with the 50/30/20 rule and track by category.

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Debt Journey Tracker

Track each debt's balance and interest, and watch your payoff progress.

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Guides & resources

The 50/30/20 Rule Explained (with examples) How to Budget on a Low Income Monthly Budget Percentages: What's Normal? How to Save 20% of Your Income Zero-Based Budgeting vs 50/30/20 Emergency Fund: How Much (3-6-12 rule) How to Build an Emergency Fund Fast Emergency Fund vs Debt Payoff: What First? Debt Snowball vs Avalanche: Which Wins? How to Pay Off Credit Card Debt Fast The Minimum Payment Trap (real numbers) Debt Payoff Plan: 9-Step Checklist