FREE TOOLS

Money calculators that answer one question each

Each one runs in your browser, saves nothing and shows the math. If you want to keep tracking, each has a matching Google Sheets and Excel template.

BudgetDoes your pay fit 50/30/20?
Needs, wants and savings against the targets, with BNPL and installments counted.50/30/20 budget calculatorSpreadsheet version
PaycheckWhich bills does each paycheck cover?
Pay schedule and due days in, a plan for every check out, plus your three-paycheck months.Paycheck budget calculatorSpreadsheet version
DebtWhen will I be debt-free?
Snowball vs avalanche side by side: months to zero, total interest and a month-by-month plan.Debt payoff calculatorSpreadsheet version
SavingHow much to put in each sinking fund?
Target, due month and what you have saved in. Monthly amount per fund and your total out.Sinking funds calculatorSpreadsheet version
HolidaysWhat will the holidays cost?
Gift groups plus food, travel and decor against what you can spend, and the amount per week until the day.Holiday budget calculatorChristmas planner + free gift listSecret Santa generator
WeddingWhere does the wedding budget go?
Split a total across 14 categories, see cost per guest and what is left after what you have booked.Wedding budget calculatorSpreadsheet version

The 2027 budget, wedding, debt payoff and sinking funds spreadsheets are together in the Money Planner Bundle.

Guides: how to budget · build a budget spreadsheet · stop living paycheck to paycheck · snowball vs avalanche example · sinking funds list · holiday budget plan · pay off credit card debt

Free download: 2027 budget spreadsheet for Excel and Google Sheets

En español: presupuesto con meses sin intereses · salir de deudas
Em português: orçamento com parcelas · sair das dívidas
日本語: 家計の割合 目安計算ツール

In the Philippines? Compute your 2026 13th month pay (full or prorated, due Dec 24).

13th month pay by country (2026): Philippines, Brazil, Mexico, Argentina, Colombia, Peru, Ecuador.