Calculators

Free money calculators

Six of them. All free, none of them ask you to sign up, and every one runs entirely in your browser — the figures you type are never transmitted anywhere, and this site runs no analytics at all.

50/30/20 budget calculator What the split looks like on your income, and how far your actual spending sits from it. Emergency fund calculator How big the fund needs to be, and when you get there at what you are putting aside now. Debt payoff calculator Snowball against avalanche, simulated month by month on your actual balances. Savings goal calculator How long it takes at what you are putting in, or how much a month it takes to hit a date. Savings rate calculator What share of your pay you keep, and what that share is worth in years. FIRE calculator The number your spending implies, and how long it takes at what you are putting in.

Planning against tracking

These are planning tools. They take figures you supply and do arithmetic on them, which makes them only as good as the figures — and the one most people are least sure of is what they actually spend in a month.

That is the honest bridge between this page and the app. A calculator models what would happen. TLDR Money records what did. Why logging it yourself catches more than an automatic feed.

What none of them do

They compute arithmetic from what you type. They do not recommend anything, they name no products, and they predict no rates. The app holds the same line: it reports what you have spent and never tells you what to do about it.