Free money tools
Money Calculators
Clear, free calculators for everyday money decisions — salary, savings, budgets, debt, affordability and inflation. Enter your own numbers, understand how each result is worked out, and plan with confidence. Nothing is stored and no account is needed.
Salary & Income
Understand what a job offer really pays — hourly rates, salaries and take-home income.
Daily Income Calculator
Turn monthly or hourly income into a per-day figure for budgeting and day-rate comparisons.
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Freelance Income Calculator
Estimate real freelance take-home: billable hours, rate, business costs and taxes.
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Hourly to Salary Calculator
See what an hourly rate means as daily, weekly, monthly and yearly income.
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Monthly to Annual Salary Calculator
See what a monthly salary really adds up to over a year — and per week and hour.
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Overtime Pay Calculator
What overtime hours are worth at your rate and multiplier — per month and per year.
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Pay Raise Calculator
See exactly what a raise is worth: the percentage, the extra per month, and your new totals.
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Salary Calculator
Turn a gross salary into realistic monthly and annual take-home estimates after tax and deductions.
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Salary to Hourly Calculator
See what an annual salary is worth as an hourly rate, for the hours you actually work.
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Side Income Calculator
What a side hustle really adds to your income after costs and taxes.
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Weekly to Monthly Income Calculator
Convert weekly pay into monthly and yearly income, using a true average month.
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Savings
Plan savings goals and build a financial safety net you can actually reach.
Car Savings Calculator
How long it takes to save for your next car at your monthly pace — and what you will still need.
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Down Payment Savings Calculator
How long it takes to save your down payment, and how close you already are.
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Emergency Fund Calculator
How many months of expenses does your emergency fund cover — and how much should you aim for?
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Monthly Savings Calculator
Work backwards from a goal: how much to put aside each month and week to hit a target by a date.
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Save $10,000 Calculator
How long it takes to save a target amount at your monthly pace — $10,000 or any other goal.
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Save $50,000 Calculator
How long it takes to save $50,000 (or any target) at your monthly pace, with interest.
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Savings Goal Calculator
Find out how many months it takes to reach a savings target with monthly deposits and interest.
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Savings Timeline Calculator
See the full timeline to a savings goal — months, years and what you contribute versus earn.
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Vacation Savings Calculator
How much to set aside each month (or week) so the trip is paid for before you leave.
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Budget
Give every dollar a job with simple, proven budgeting methods.
50/30/20 Budget Calculator
Split your after-tax income into needs (50%), wants (30%) and savings (20%) in one click.
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Couple Budget Calculator
Combine two incomes and shared costs to see what the household really keeps each month.
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Custom Budget Planner
A blank-sheet budget: assign your income across your own categories and see exactly what is left.
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Family Budget Calculator
See the full monthly picture with childcare and kids’ costs included.
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Household Budget Calculator
The full household picture: combined money in against shared living costs and a savings goal.
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Monthly Budget Calculator
The classic budget check: income minus your main categories, with leftover and savings rate.
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Single Person Budget Calculator
A budget shaped for one income: housing, essentials, fun and what is left to save.
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Student Budget Calculator
Make a realistic student budget from loans, allowances and part-time pay against your costs.
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Weekly Budget Calculator
Budget on a weekly rhythm: fixed costs, flexible spending and what is left — annualized.
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Zero-Based Budget Calculator
Give every dollar a job: assign all your income and see exactly what is unassigned — or over budget.
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Expenses
See what your spending really costs over a month, a year or longer.
Annual Expense Calculator
See what a recurring monthly expense costs over a year — and five years.
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Cost Per Day Calculator
Break a monthly cost into the per-day figure that makes spending decisions concrete.
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Cost Per Use Calculator
The honest price of a purchase: what each use really costs over the years you own it.
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Hidden Expense Calculator
Add up the small recurring spends — coffee, snacks, delivery — that quietly eat a budget.
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Lifestyle Cost Calculator
Add up dining, hobbies, travel and leisure — the lifestyle total and its share of your income.
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Subscription Cost Calculator
What your recurring subscriptions really cost over a year — and five or ten years.
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Debt
Plan your way out of debt with a clear payoff timeline and interest picture.
Debt Avalanche Calculator
The avalanche targets the highest-interest debt first to minimize total interest — see the order and the monthly cost of each debt.
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Debt Payoff Calculator
When will your balance reach zero, how much interest will you pay, and is your payment too low?
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Debt Snowball Calculator
The snowball orders debts by smallest balance first for momentum — see which debt to start with and the interest each one costs.
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Extra Payment Calculator
What an extra monthly payment does: months shaved off and interest saved.
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Minimum Payment Calculator
What your minimum payment really does: how much covers interest and how slowly the balance falls.
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Multiple Debt Calculator
The full debt picture: combined balance, weighted average rate and total minimum payments.
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Affordability
Check whether a purchase fits your budget before you commit to it.
Can I Afford a Car?
The true monthly cost of a car: loan payment plus insurance, fuel and upkeep — against your income.
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Can I Afford a House?
Mortgage payment, the 28/36 ratios and a suggested maximum price for your income and debts.
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Can I Afford a Pet?
The honest cost of a pet: upfront costs plus monthly care over 5 or 10 years.
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Can I Afford a Subscription?
A quick check that one more subscription is harmless — as a share of income and per year.
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Can I Afford This Apartment?
Rent plus utilities against your income: the 30% guideline, surplus and a simple score.
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Can I Afford This Vacation?
Plan the trip against your monthly surplus: saving needed, share of what is left, and a score.
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Can I Afford This?
Estimate the real monthly cost of a purchase, what share of your income it takes, and a simple affordability score.
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Can I Afford to Live Alone?
The honest price of solo living: rent, utilities and essentials against one income.
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Can I Afford to Move?
Compare the cost of a move against your savings and the cushion you need afterwards.
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Can I Afford to Quit My Job?
Test a career break against your savings and monthly expenses — and how big the runway really is.
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Inflation & Future Money
See how inflation changes the future cost of everything you buy.
Future Expense Calculator
What a recurring monthly expense will cost in the future after inflation.
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Future Value Calculator
What a lump sum grows into at your assumed annual return — the math behind long-term goals.
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Grocery Inflation Calculator
What your weekly grocery basket will cost in the future at the inflation rate you assume.
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Inflation Calculator
What will something cost in the future, and how much will inflation add over the years?
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Price Change Calculator
The real percentage behind a price change — whether it rose or fell from an old price to a new one.
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Purchasing Power Calculator
What today’s money will really be worth in the future — the quiet damage of inflation.
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Rent Inflation Calculator
What your rent will cost in the future at your expected annual increase — and what that adds over the years.
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Salary Inflation Calculator
Keep your salary honest: what it must reach to hold its value, and what a real raise does.
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About these tools. Every calculator on this site is a free, educational estimate. Results are based only on the numbers you enter and standard formulas — they are not financial advice and do not replace a professional or an official source. We do not store your inputs: your calculation stays in your browser's address bar and nowhere else.