Budgeting Tools
Explore our free budgeting tools and calculators to plan smarter, save more and reach your financial goals.
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Budgeting Tools
50 30 20 Budget Calculator
Split income into needs wants and savings
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Bill Split Calculator
Split shared bills fairly between people
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Budget Calculator
Build a monthly budget for income and expenses
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Cash Flow Calculator
Track monthly cash inflows and outflows
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Cost of Living Calculator
Estimate the cost of living in a location
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Discretionary Income Calculator
Calculate income left after essentials
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Envelope Budget Calculator
Plan a cash envelope budget system
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Expense Tracker
Track daily expenses across categories
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Income vs Expense Calculator
Compare income against expenses for cash flow
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Monthly Expense Calculator
Total and categorize your monthly expenses
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Net Worth Calculator
Calculate your total net worth
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Savings Rate Calculator
Calculate the percentage of income you save
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Subscription Cost Calculator
Total your recurring subscription spending
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Zero Based Budget Calculator
Assign every dollar a job in your budget
OpenAbout Budgeting calculators
A budget only works when the numbers are honest, and these tools make them easy to see. Plan where your money goes each month, track spending against income, and measure your overall financial position.
Use the monthly budget and 50/30/20 tools to split income between needs, wants and savings, the cash flow calculator to spot whether more is coming in than going out, and the net worth tool to track the bigger picture over time. Small leaks add up, so reviewing categories regularly is where the savings come from.
Budgeting calculators: frequently asked questions
What is the 50/30/20 budget rule?
It splits after-tax income into 50% for needs, 30% for wants and 20% for savings and debt repayment. It is a simple starting framework you can adjust to your situation. The 50/30/20 calculator divides your income into the three buckets instantly.
How do I work out my net worth?
Add up everything you own, such as cash, investments and property, then subtract everything you owe, like loans and credit card balances. The result is your net worth, and tracking it over time shows real progress. The net worth calculator does the maths.
How can I stop living paycheck to paycheck?
Start by tracking every expense for a month to see where money actually goes, then build a budget that assigns each dollar a job and carves out even a small automatic saving. The budgeting tools make those numbers concrete and easy to adjust.
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