Free tools

Free money calculators.

Free calculators for the money questions a spreadsheet makes awkward, like returns across currencies. They run in your browser, and nothing you type is sent anywhere.

  • 50/30/20 budget calculator

    Split your income after tax into needs, wants, and savings and debt repayment with the 50/30/20 rule, or your own split, and compare it with what you spend now.

  • Debt payoff calculator

    See the month you are debt-free and the interest you pay on up to 10 debts, paying the highest interest rate first or the smallest balance first.

  • Savings goal calculator

    Work out how much to save each month to reach a goal by a month you choose, or when a monthly amount gets you there, even when your savings are in a different currency from your goal.

  • Emergency fund calculator

    Work out how big your emergency fund should be and the month you reach it, even when your savings are in a different currency from your spending.

  • Net worth by age

    Compare your net worth with the median for your age, from official household surveys in the US, UK, euro area, Canada and Australia.

  • Multi-currency net worth calculator

    Add up what you own and what you owe in any mix of currencies, and see one total in the currency you think in.

  • Currency-adjusted return calculator

    See how much of an overseas investment's return came from the investment and how much from the exchange rate.