Free calculators
Six free money calculators
Budget, emergency fund, debt payoff, savings growth, paycheck automation and security self-check. Private by design — everything runs in your browser.
Split your take-home pay into needs, wants and savings — and adjust the ratio to fit your life.
Read the guide: Budgeting Methods Compared: 50/30/20, Zero-Based, Envelope and More
Find your target emergency fund and how long it will take to get there.
Read the guide: How to Build an Emergency Fund: How Much to Save and Where to Keep It
Compare the avalanche and snowball methods side by side for your own debts.
Read the guide: Debt Avalanche vs. Debt Snowball: Which Payoff Method Is Right for You?
See how a starting balance and monthly deposits could grow over time at an assumed rate.
Read the guide: How to Earn Extra Money Without a Second Job: 10 Practical Ways
Give every dollar of your paycheck a job and turn it into automatic transfers.
Read the guide: How to Automate Your Finances: A Step-by-Step System That Runs Itself
Score your financial security habits and get your next best moves.
Read the guide: How to Protect Your Money Online: A Cybersecurity Checklist
Methodology
How our calculators work
Budget split: multiplies your monthly take-home pay by the percentages you choose. Savings & debt receives whatever is not assigned to needs and wants.
Emergency fund: target = essential monthly expenses × months of coverage. Time to goal = remaining gap ÷ monthly contribution, rounded up.
Debt payoff: a month-by-month simulation. Interest accrues monthly at APR ÷ 12, all minimums are paid, and your extra payment (plus any freed-up minimums) goes to the highest-APR debt (avalanche) or the smallest balance (snowball).
Savings growth: monthly compounding at the assumed annual rate ÷ 12, with contributions added at the end of each month.
Paycheck planner: monthly average = paycheck × paychecks per year ÷ 12.
Results are educational estimates, not financial advice, and exclude taxes, fees and rate changes. See our Disclaimer.
Calculator FAQ
No. Every calculation runs locally in your browser with JavaScript. Nothing you type is sent to MR IT LLC or anyone else, and it disappears when you close the page.
They are estimates based only on the numbers you enter and simple, transparent assumptions (for example fixed interest rates and on-time payments). Real results vary with rates, fees, taxes and timing.
Use a conservative assumption, such as the current yield on your own savings account. Rates change over time and investment returns are never guaranteed, so try a few scenarios.
Yes. Our Fintech Website & Calculator Development service builds fast, accessible, privacy-friendly calculators and landing pages for financial brands and educators.
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