Budgeting Tools That Run Right Here, Right Now
Three free interactive tools — no signup, no email, nothing saved. Everything runs in your browser, and the numbers you type never leave it.
50/30/20 Budget Calculator
Enter your monthly take-home pay and instantly see the classic needs / wants / savings split in real dollars — plus an honest look at when the rule fits and when it doesn't.
Get your split →Debt Payoff Calculator
List your debts — balance, APR, minimum payment — add what extra you can pay, and compare the avalanche and snowball methods side by side: payoff dates, total interest, and which to pick.
Plan your payoff →Budget Method Quiz
Eight quick questions that match how you actually handle money to one of four budgeting methods — envelope, zero-based, 50/30/20, or pay yourself first — with your best first move.
Find your method →Looking for more? The resources hub has additional free calculators — compound interest, rent vs. buy, and APR/APY loan cost — plus downloadable templates and guides. And if you want the concepts behind the quiz, the budgeting methods guide walks through each approach in plain English.
No Email. No Account. No Catch.
Most "free" financial calculators charge you an email address at the door. These don't. Every tool on this page is a plain web page with the math built in: you type numbers, your browser does the arithmetic, and nothing you enter is sent to us, stored, or used to follow you around the internet.
The honest trade: if one of these tools helps you see your money more clearly, we think there's a fair chance you'll want the version that runs on your real transactions automatically — that's Compound, and it has a free trial. Either way, the tools stay free and ungated.
For financial coaches
Coaching Clients Through These Numbers?
The free Client Onboarding Kit packages this thinking for your practice: a 20-question intake questionnaire, a 60-minute first-session agenda, and a printable version of the method-fit quiz you can run live in a session.
Get the Coach Toolkit →Beyond the calculators
Your Real Numbers, Without the Data Entry
Calculators work on the numbers you remember. Compound connects to your accounts and works on the numbers you actually spend — budgets, debt payoff, and savings, updated automatically.