Eight free budgeting calculators built for everyday use. Whether you're planning a monthly budget, working out how to pay off debt, or trying to figure out how much you need in an emergency fund — these tools give you clear answers in seconds. No sign-up, no ads cluttering your numbers, and nothing stored on any server.
Monthly Budget Planner
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Mr B says: Start with your income at the top, then list every regular expense. The goal is simple — make sure the bottom line is positive before the month starts.
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Your budget summary
Monthly income
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Total expenses
$0.00
Remaining balance
$0.00
⚠️ This tool is for general guidance only and is not financial advice.
50/30/20 Budget Calculator
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Mr B says: This rule is a starting point, not a straitjacket. If you live somewhere expensive, your 'needs' slice will naturally be bigger — that's fine. Just keep savings in the mix.
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Your 50/30/20 split
50% — Needs (rent, food, bills, transport)
$0.00
30% — Wants (dining, entertainment, hobbies)
$0.00
20% — Savings & debt (savings, investments, extra debt payments)
$0.00
⚠️ This tool is for general guidance only and is not financial advice.
Savings Goal Calculator
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Mr B says: Saving feels abstract until you attach a number and a date. Use the reverse mode to work backwards from your deadline — sometimes the monthly number is more motivating than the total.
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Your savings plan
Months to reach goal
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Reach goal by
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Total saved
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Required monthly saving
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Total to save
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⚠️ This tool is for general guidance only and is not financial advice.
Debt Payoff Calculator
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Mr B says: Even a small increase to your monthly payment cuts the interest dramatically. Try bumping the payment by $50 and watch the payoff date move forward — it's satisfying.
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Debt payoff summary
Months to pay off
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Payoff date
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Total interest paid
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Total amount paid
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⚠️ Your monthly payment doesn't cover the interest. Increase the payment amount to make progress.
⚠️ This tool is for general guidance only and is not financial advice.
Bill Split Calculator
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Mr B says: Include the tip before you divide. If you're splitting unequally, switch to custom mode and enter what each person had — much less awkward than negotiating at the table.
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Custom amounts don't yet add up to the total bill (including tip).
Each person pays
⚠️ This tool is for general guidance only and is not financial advice.
Emergency Fund Calculator
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Mr B says: Three months is a good first target. Six months gives you real breathing room if something serious happens. Start saving toward three — you can always keep going.
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Your emergency fund status
Current coverage
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3-month target
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Still needed for 3 months
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Months to reach 3-month fund
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6-month target
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Still needed for 6 months
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Months to reach 6-month fund
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⚠️ This tool is for general guidance only and is not financial advice.
Pay Rise Calculator
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Mr B says: The monthly difference is what matters most for budgeting — that's the number to plan around. Remember tax will take a slice of any increase.
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Your pay rise breakdown
Annual increase
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Monthly increase (before tax)
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Weekly increase (before tax)
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Percentage increase
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💡 These figures are before tax. The actual increase in your take-home pay will depend on your tax bracket and any changes to other deductions.
⚠️ This tool is for general guidance only and is not financial advice.
Net Worth Calculator
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Mr B says: Don't panic if the number is negative — that's common early in life, especially with a mortgage or student debt. What matters is the direction of travel over time.
🔒 Nothing is saved or stored. All figures exist only in your browser and disappear when you close or refresh the page.
Assets — what you own
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Liabilities — what you owe
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Your net worth
Total assets
$0
Total liabilities
$0
Net worth
$0
⚠️ This tool is for general guidance only and is not financial advice.
Common budgeting questions
Start by writing down your total take-home income for the month, then list every expense — fixed costs like rent and subscriptions first, then variable ones like groceries and transport. Subtract your total expenses from your income to see what's left. If the number is negative, look at where you can cut back. If it's positive, decide in advance where that money goes: savings, debt repayment, or a specific goal. Use our Monthly Budget Planner above to run through it in minutes.
The 50/30/20 rule divides your take-home pay into three buckets: 50% for needs (rent, food, bills, transport), 30% for wants (dining out, entertainment, hobbies), and 20% for savings and debt repayment. It was popularised by US Senator Elizabeth Warren and gives you a simple starting framework rather than a strict rulebook. Adjust the percentages to fit your situation — if you live in an expensive city, your 'needs' will naturally sit higher, and that's perfectly reasonable.
Most financial planners suggest having three to six months of essential living expenses set aside in an easily accessible account. Three months is a reasonable first target; six months gives more cushion if you're self-employed, have dependants, or work in a sector with volatile job security. Start small — even one month's expenses in reserve is meaningfully better than nothing, and you can build from there.
Two popular approaches are the avalanche method (paying off the highest-interest debt first to minimise total interest paid) and the snowball method (clearing the smallest balance first for quick wins and motivation). Either way, paying more than the minimum each month is the key lever — even a small extra payment reduces the total interest you pay and brings the payoff date forward significantly. Use our Debt Payoff Calculator to see exactly how much difference an extra payment makes.
Net worth is simply what you own minus what you owe. Add up all your assets — savings, investments, property, vehicles, superannuation, and anything else of value — then subtract all your liabilities: mortgage balance, car loans, credit card debt, and any other money you owe. The resulting number is your net worth. Track it once or twice a year to see whether it's growing — that trend matters more than the number itself.
The simplest method is to divide the total evenly by the number of people. If everyone ordered quite different amounts, it's fairer to split based on what each person had — use our Bill Split Calculator and switch to custom mode to enter individual amounts. Always factor in any service charge or tip before dividing, and agree on that upfront to avoid the awkward back-and-forth afterwards.