Calculators · Free tools

Free Money Calculators

Three simple, private calculators to help you plan. Everything runs in your browser — nothing you type is sent to us, stored, or shared.

Sam EllisonWritten and checked against our editorial policy
Updated 2026
Educational estimates, not advice. These calculators use simplified maths to illustrate general principles. They ignore tax, inflation, fees and your personal circumstances. Use them to explore ideas, not to make decisions — and verify anything important with a qualified professional.

Emergency fund calculator

Work out a realistic safety-net target based on your essential monthly costs — the things you'd still have to pay if your income stopped.

— Enter your figures to see a target.

Debt payoff calculator

See how long a debt takes to clear, and how much sooner you'd finish by paying a little extra each month.

— Enter your figures to see a payoff estimate.

50/30/20 budget split

A quick guideline split of your take-home pay across needs, wants, and savings or extra debt payments.

— A starting guideline to adapt — not a rule.

How to use these well

Calculators are best at showing you the shape of a decision — how much difference an extra payment makes, or how long a goal will take. They're worst at predicting the future, because real life includes rate changes, income changes and unexpected costs.

Treat the outputs as a starting point for a conversation with yourself, then read the guide behind each one: building an emergency fund, paying off debt faster, and building a budget that lasts.

Your privacy

These calculators run entirely in your browser using JavaScript. The numbers you enter are never transmitted to our servers, never stored, and never shared with anyone. Close the page and they're gone.

Saving

How to Build an Emergency Fund

How big it should be and how to get there.

 Debt

How to Pay Off Debt Faster

Snowball vs avalanche explained.

 Budgeting

How to Build a Budget That Lasts

Three methods that survive real life.
Last updated 2026 · Written and reviewed by Sam Ellison. These tools provide simplified estimates for educational purposes only and do not account for tax, inflation, fees, or your personal circumstances. They are not financial advice.