Budget44 Tools
Free calculators for budgeting, saving and everyday money decisions. No signup, no email — just answers.
budgeting
- 50/30/20 Budget Calculator Split your monthly take-home pay into needs, wants and savings, compare the targets against what you actually spend, and try 70/20/10 or a custom split.
- Bill Split Calculator Split rent, utilities and shared bills between roommates or partners: equally, by income share, or by custom percentages, down to the exact cent.
- Budget vs Actual Calculator Compare what you budgeted with what you actually spent, category by category. See the variance in dollars and percent, and your three worst overspends.
- Cost Per Use Calculator See what a purchase or membership really costs each time you use it, the break-even uses against paying per use, and what it adds up to a year.
- Daily Spending Allowance Calculator Work out how much you can safely spend each day until payday. Enter your balance, next payday, bills still due and what you keep back for savings.
- Emergency Fund Calculator Score your job stability, dependents and debt load to get a personalized emergency fund target in months, and how long it takes to save.
- Hours of Work Cost Calculator Turn any price into hours of work using your real after-tax hourly rate, with commute, unpaid overtime and the costs of working folded in.
- House Down Payment Savings Calculator Enter a home price to get the down payment, closing costs and total cash to close, plus the monthly amount to save to be ready by your date.
- Income Needed to Cover Bills Calculator Work backwards from your bills. Enter every fixed cost, spending category and savings target to get the take-home pay you need each month, week and paycheck.
- Irregular Income Budget Calculator Turn a variable paycheck into a monthly budget. Enter 3-6 months of income for a safe baseline, the surplus to bank, and how long a buffer takes.
- Net Worth Calculator List what you own and what you owe to get one net worth figure, plus liquid net worth, your debt-to-asset ratio, and a breakdown by type.
- Savings Goal Calculator Work out how much to save each month to hit your savings goal by a set date. Get weekly and daily amounts, interest earned, and progress to target.
- Savings Rate Calculator Find what percent of your pay you actually save. Compare gross vs net savings rate against the 20% benchmark and see your years to financial independence.
- Sinking Fund Calculator Plan for insurance, car registration and Christmas. Get the monthly set-aside per fund, months left, and your combined monthly sinking fund total.
- Small Daily Purchases Cost Calculator Add up what your small daily purchases really cost. Get the monthly, yearly and 5-year total, plus what the money could have grown to invested.
- Subscription Cost Calculator Add up every subscription and see the real monthly, yearly and 5-year cost. Rank them by annual spend and check the share of your take-home pay.
debt
- Credit Card Payoff Calculator See how long your credit card takes to pay off, the interest it costs, what extra payments save, and the payment needed to clear it in 12, 24 or 36 months.
- Debt-to-Income Ratio Calculator Work out your front-end and back-end debt-to-income ratio, check it against the 28/36 rule, and see the payment cut or income needed to reach 36%.
- Student Loan Payoff Calculator See how long your student loans take to clear, the total interest they cost, and how many months and dollars an extra payment each month saves you.
General
- Biweekly Paycheck Budget Calculator Map every bill to the paycheck that pays it. Enter take-home pay, payday and due dates for leftover per check, short checks and 3-paycheck months.
- Cash Flow Forecast Calculator Forecast your bank balance day by day to payday. Enter income, bills and daily spend to see your lowest balance, any shortfall date and safe-to-spend.
- Monthly Budget Calculator Enter your take-home pay and every bill to see your true monthly surplus, each category as a share of income, and your 50/30/20 split.