Master Your Budget
Achieve Your Goals
Our budgeting calculators help you set savings goals, plan for major purchases, and build the financial habits that lead to long-term success.
Why Use Our Budget Tools?
Take control of your finances with calculators designed to help you save more and spend smarter.
Set Clear Goals
Define specific savings targets with realistic timelines to keep you motivated and on track.
Track Progress
Visualize your savings journey with milestones and progress charts that celebrate your wins.
Plan Contributions
Know exactly how much to save each month to reach your goals on time.
Build Good Habits
Develop consistent savings habits that compound into financial security over time.
Our Budget Calculators
Choose the right calculator for your specific budgeting and savings needs.
50/30/20 Budget Calculator
Apply the popular 50/30/20 budget rule to your income. Compare alternative budgeting frameworks and track expenses across categories.
Key Features:
- Visual budget breakdown
- Expense category tracking
- Compare 5 budget rules
- Personalized rule suggestions
Emergency Fund Calculator
Calculate your ideal emergency fund size based on your job stability, expenses, and personal risk factors. Get a personalized savings plan with timeline projections.
Key Features:
- Risk-based recommendations
- Expense category breakdown
- Savings timeline with HYSA interest
- Compare 3, 6, 9, 12 month scenarios
Savings Goal Calculator
Calculate how much to save monthly to reach any financial goal. Perfect for home down payments, vacations, education, and more.
Key Features:
- Any goal type support
- Down payment planning
- Milestone tracking
- Scenario comparison
Home Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment. Compare loan types and understand your buying power.
Key Features:
- DTI-based affordability
- Compare 4 loan types
- PMI & closing cost estimates
- Monthly payment breakdown
Paycheck Calculator
Calculate your take-home pay after federal and state taxes, FICA, and deductions. Compare paychecks across states.
Key Features:
- Federal & state taxes
- All 50 states supported
- Pre/post-tax deductions
- State comparison tool
More budget calculators coming soon:
Budgeting Tips for Success
The 50/30/20 Rule
A simple budgeting framework: 50% for needs, 30% for wants, 20% for savings.
This creates a balanced approach that ensures you're saving while still enjoying life.
Try our 50/30/20 CalculatorPay Yourself First
Automate your savings by setting up transfers on payday before you can spend.
Treat savings like a non-negotiable bill. This ensures consistency regardless of spending temptations.
Start with whatever you can and increase contributions over time.
Build an Emergency Fund
Save 3-6 months of expenses before focusing on other financial goals.
This protects you from unexpected events like job loss, medical emergencies, or major repairs.
Use our savings goal calculator to plan your emergency fund timeline.
Track Everything
You can't improve what you don't measure. Track every dollar for at least one month.
You'll discover spending patterns you never noticed, like subscriptions you forgot about.
Review your spending weekly to stay accountable to your goals.
Ready to Take Control of Your Finances?
Start with the 50/30/20 rule to organize your spending, build an emergency fund for security, then plan for your dreams. All tools are free, private, and require no sign-up.