Free budgeting tools
Quick calculators for the money questions that come up between paydays. Everything runs in your browser — nothing you type is stored or sent anywhere.
Budget by paycheck calculator
See which bills each paycheck has to cover over the next two months, and what's left to spend from every payday.
Open calculator50/30/20 budget calculator
Split your take-home pay into needs, wants and savings — then compare the targets with what you actually spend.
Open calculatorDebt payoff calculator
Compare the snowball and avalanche methods side by side. See your debt-free date, total interest and which strategy saves you more.
Open calculatorSafe-to-spend calculator
Work out how much you can spend each day until payday after bills, debt payments and savings are covered.
Open calculatorSubscription cost calculator
Add up what your subscriptions really cost per month, per year and over five years — and what cancelling one would save.
Open calculator
Track this automatically — Calm Coins is free
Calm Coins is a free, payday-to-payday budgeting app. It keeps your safe-to-spend, bills and debt payoff plan up to date — no bank connection needed.