Personal budgeting, cost of living, inflation, and life expense planning calculators. Browse our free budgeting tools below — all calculators are instant, accurate, and require no sign-up.
50/30/20 Budget Calculator — Free 50/30/20 budget calculator. Split your after-tax income into Needs (50%), Wants (30%), and Savings (20%). See exact dollar amounts for each category instantly.
50/30/20 Rule Calculator — Budget Allocation Planner — Free 50/30/20 budget calculator. Allocate income to needs, wants, and savings with real-time budget health scoring, visual breakdowns, and spending comparison tables.
Budget Calculator — Monthly Income & Expense Planner — Free budget calculator. Track monthly income and expenses by category, identify savings opportunities, visualize spending breakdowns, and project future savings.
Childcare Cost Calculator — Free childcare cost calculator. Compare daycare, nanny, and au pair costs side by side. Factor in dependent care FSA tax savings and estimate total childcare expenses.
College Savings (529) Calculator — Free 529 college savings calculator. Project the future value of your monthly contributions with tax-free growth and compare to projected college tuition costs.
Cost of Living Comparison Calculator — Free cost of living comparison calculator. Compare housing, groceries, transport, and healthcare costs between two cities. Find the salary you need to maintain your lifestyle.
Debt-Free Date Calculator — Free debt-free date calculator. Enter your debt balance, interest rate, and monthly payment to see the exact date you'll be debt-free plus total interest paid and ways to accelerate payoff.
Divorce Financial Impact Calculator — Free divorce financial impact calculator. Estimate the financial effects of divorce including asset division, new housing costs, legal fees, income changes, and adjusted living expenses.
Education Cost Calculator — Free education cost calculator. Estimate total college cost including tuition, room & board, fees, books, and personal expenses for public, private, in-state, and out-of-state schools.
Emergency Fund Calculator — Free emergency fund calculator. Determine your ideal emergency fund size based on monthly expenses, see your savings gap, and create a plan to reach your target.
Inflation Calculator — Free inflation calculator. Project how prices rise over time, calculate purchasing power loss, and find the future cost of goods using a custom or average inflation rate.
Hourly Rate of Life Calculator — Free hourly rate of life calculator. Calculate your true hourly wage after taxes, commute, and work expenses, then convert purchases into hours of life energy to make smarter spending decisions.
Moving Cost Calculator — Free moving cost calculator. Estimate your total moving expenses for local or long-distance moves, and compare DIY vs. full-service moving company costs side by side.
Pet Lifetime Cost Calculator — Free pet lifetime cost calculator. Estimate the total cost of owning a dog, cat, or other pet over their entire lifespan including food, vet care, insurance, grooming, and supplies.
Prenuptial Financial Planning Calculator — Free prenuptial financial planning calculator. Compare combined vs. separate finances, model asset protection scenarios, and understand the financial implications of different prenuptial arrangements.
Purchasing Power Calculator — Free purchasing power calculator. See what money from any past decade is worth today, or what today's dollars will buy in the future. Time-travel your money with inflation adjustments.
Real Wage Growth Calculator — Free real wage growth calculator. See if your raise actually increases purchasing power after inflation. Compare nominal vs real wage growth instantly.
Savings Calculator — Goal Planner & Growth Projector — Free savings calculator. Plan your savings goal, calculate monthly deposits needed, project interest growth with compound interest, and compare HYSA vs investment returns.
Sinking Fund Calculator — Multi-Goal Savings Planner — Free sinking fund calculator. Manage multiple savings goals simultaneously, track progress with visual bars, calculate monthly allocations, and plan your sinking fund schedule.
Subscription Audit Calculator — Free subscription audit calculator. Add all your recurring subscriptions to see the true annual cost, what you'd have if you invested the money instead, and identify subscriptions to cut.
Wedding Budget Calculator — Free wedding budget calculator. Allocate your total wedding budget across venue, catering, photography, and more with recommended percentages and national average benchmarks.
Zero-Based Budget Calculator — Free zero-based budget calculator. Assign every dollar of income to a specific category. Ensure your budget balances to zero with interactive category management.