Budget & Planning Calculators (Free)

A budget shows where your money goes and where it could go instead. Use these tools to split your income with the 50/30/20 rule, build a full category budget, or see what you need to earn in another city.

Budget & Planning calculators (33)

About Budget & Planning calculators

The 50/30/20 rule is a simple starting point: half of after-tax income to needs, thirty percent to wants and twenty percent to savings and debt payoff. The detailed budget calculator lets you enter every expense with its own monthly or yearly frequency and compares each category with common guidelines.

Moving to a new city changes your costs. The cost of living adjuster scales your spending by city cost indexes so you can see the income needed to keep the same savings.

Personal finance tools extend to net worth, emergency funds, FIRE, savings goals and plans, 529 college savings, car affordability and depreciation, gold and silver melt value, lottery payouts, wedding budgets and rent splitting.

Why budget

A budget shows where your money goes and gives every dollar a purpose. The simplest start is the 50/30/20 budget planner, which splits income between needs, wants and saving.

Going into detail

When you want your own categories and a monthly or yearly view, use the budget calculator. Your starting point should be take-home pay, which you can find with the paycheck calculator.

Planning a move

Prices differ a lot between cities. The cost of living adjuster estimates the salary you would need elsewhere to keep the same lifestyle, which is useful when comparing job offers.

What you can calculate

Budget Planner (50/30/20): Split your monthly income into needs, wants, and savings using the 50/30/20 rule.
Budget Calculator: Build a detailed monthly or yearly budget with income, taxes, expenses by category, savings and a surplus or shortfall.
Cost of Living Adjuster: Find out how much salary you need to keep the same lifestyle in a different city.
Net Worth Calculator: Total your assets and liabilities to find net worth.
Emergency Fund Calculator: Find how large an emergency fund you need and how long to build it.
FIRE Calculator – Financial Independence, Retire Early: Estimate your FIRE number and years to financial independence.
Millionaire Calculator: See how long it takes to reach $1 million.
Savings Goal Calculator: Find the monthly saving needed to reach a goal by a date.
Savings Plan Calculator: Project the value of a regular savings plan.
Simple Savings Calculator: Add up how much you will have if you save a fixed amount regularly.
70/20/10 Rule Money Calculator: Split take-home pay: 70% living, 20% savings and 10% debt or giving.
Car Depreciation Calculator: Estimate a car’s value after years of depreciation.
Car Affordability Calculator: Find the car price you can afford from income and the 20/4/10 rule.
Car Interest Calculator: Compute the total interest paid on a car loan.
Cell Phone Plan Calculator: Compare the yearly cost of phone plans including devices.
Subscription Waste Calculator: Add up subscription costs and find what you waste on unused services.
Wedding Budget Calculator: Split a wedding budget across typical categories.
Rent Split Calculator: Split rent fairly between roommates by room size or income.
Sabbatical Calculator: Estimate the savings needed to fund a sabbatical.
Lifetime Earnings Calculator: Project total earnings over a career with raises.
Long Term Care Calculator: Project the future cost of long-term care and how long savings cover it.
Lottery Annuity Calculator: Compare lump-sum and annuity lottery payouts.
Powerball Calculator: Estimate the odds, cash value and tax on a Powerball prize.
Mega Millions Payout Calculator: Estimate the lump-sum and after-tax payout for Mega Millions.
Gold Melt Calculator: Compute the melt value of gold jewelry or coins by weight and purity.
Scrap Gold Calculator: Estimate the payout for scrap gold after a dealer’s percentage.
Silver Melt Calculator: Compute melt value of silver items by weight and purity.
Scrap Silver Calculator: Estimate scrap silver payout after the dealer’s share.
529 Calculator: Project a 529 college savings plan against the future cost of college.
Dream Come True Calculator: Work out the monthly saving needed to afford a dream purchase.
Unpaid Work Calculator: Estimate the market value of unpaid household and care work.
US Income Percentile Calculator: See roughly where a household income falls among US households.
Bank Reconciliation Calculator: Reconcile a bank statement with your cash book.

Frequently asked questions

Do my numbers leave my device?

No. Everything is calculated in your browser and nothing is stored on our servers.

Can I switch between monthly and yearly?

Yes. Most amount fields include a per month or per year option.

How do I start a budget?

List your take-home income, list every regular expense, and compare. Adjust until spending is below income with room for savings.

How accurate are cost-of-living indexes?

They are averages and estimates. Housing costs vary widely within a city, so use the result as a guide and check real rents and prices.

Other calculator categories

Disclaimer: Please do not make financial decisions based on these results. These calculators are for general information only. Talk to a licensed professional before making any financial, tax or legal decision. Read the full disclaimer.