Budgeting & Free Tools
Four simple calculators to help you build a budget, attack debt, save toward a goal, and figure out the right emergency fund. Everything runs in your browser — nothing is saved or shared.
50/30/20 Budget Calculator
See how your monthly take-home pay should break down across needs, wants, and savings.
After taxes and deductions. Use your actual deposit amount.
Needs (50%)
$2,000
Rent, utilities, groceries
Wants (30%)
$1,200
Dining, hobbies, travel
Save (20%)
$800
Emergency, retirement, debt
Debt Payoff Calculator
See how long it'll take to pay off a credit card or loan, and the total interest you'll pay.
Payoff time
2y 10m
34 months total
Total interest
$1,700
On top of your balance
Snowball: pay smallest balance first for momentum. Avalanche: pay highest APR first to save the most interest.
Savings Goal Calculator
Find out how much you need to save each month to hit a target by a specific date.
Save per month
$355
For 24 months
Final balance
$10,000
At 4.5% APY
Emergency Fund Calculator
A target emergency fund based on your essential monthly expenses and income stability.
Recommended fund
$9,000
3 months of expenses
Where to keep it
HYSA
4–5% APY, FDIC insured
Rule of thumb: 3 months for stable dual-income households, 6 months for variable income or single earners with dependents.