Free calculators for everyday money planning
Plan your paychecks, get out of debt and save for what's coming. Simple, private tools that run in your browser: no sign-up, no ads, no tracking.
Biweekly Paycheck BudgetSee which bills each paycheck must cover, find your tightest pay period and spot the three-paycheck months.Open calculator →
Debt Payoff: Snowball vs. AvalancheYour debt-free date, total interest, payoff order and a month-by-month schedule.Open calculator →
Sinking Funds & Savings GoalsHow much to save per month and per paycheck for every goal, and when you'll get there.Open calculator →
How to use these tools together
- Know your leftover. Start with the paycheck budget calculator. It assigns every bill to the paycheck before its due date and shows what is left over in each pay period, so you can see a tight paycheck before it happens.
- Give the leftover a job. Decide how much goes to debt and how much to savings. The debt payoff calculator shows how much faster you are debt-free, and how much interest you save, compared with paying only the minimums.
- Plan the irregular costs. Car repairs, insurance, holidays and vacations are easier as small monthly amounts. The sinking funds calculator turns each one into a monthly and per-paycheck number.
Why these calculators?
- Private by design. Every calculation runs on your device. Nothing you type is sent to a server, and there are no cookies, ads or trackers.
- Built for paycheck-to-paycheck reality. Real budgets break on timing, not on monthly totals. The tools plan by pay period, not by an average month.
- Transparent math. Each page explains exactly how the numbers are calculated, with examples you can check yourself.
- Works on your phone. Fast to load and easy to use on any screen size.
All tools are for education and planning only and are not financial advice.