Free calculators and templates for everyday budgeting, saving and emergency planning. Each tool explains how it works, includes a worked example and runs entirely in your browser: what you type is not saved or sent.
Budgeting
- 50/30/20 budget planner
Split take-home pay into needs, wants and goals, and adjust the split to fit your costs.
- Monthly budget template
Plan every line of your month and download it as a spreadsheet, or get a blank copy.
- Salary to hourly calculator
Convert pay between hourly, weekly, every two weeks, monthly and yearly.
- Rent affordability calculator
See the 30% housing guideline for your income and check a specific rent.
Saving
- Savings goal calculator
Find out how much to save each week or month to reach a goal by a date.
- 52-week savings challenge
Build a printable weekly savings tracker in three styles.
- Sinking funds calculator
Set aside money monthly for costs that come once or a few times a year.
- Subscription and habit cost calculator
See what repeating costs add up to each month and year.
- Unit price calculator
Compare package sizes in one unit to find the better value.
Emergency planning and progress
- Emergency fund calculator
Turn your essential monthly costs into a savings target and a timeline.
- Net worth calculator
Add up what you own and what you owe to see where you stand today.
These tools give educational estimates, not personalized financial advice. Worked examples use hypothetical figures, not real customer results or current price offers. Use your own costs in one currency: the currency selector changes labels, not exchange rates. US housing and federal payroll references remain US-specific; elsewhere, check local rules and your own commitments.
Entries are not stored by these tools, but any CSV or printout you make is a separate record that you must protect yourself. The blog will list guides when reviewed articles are published.