Salary, budget and savings calculators for your next money decisionmoney decision
Split your paycheck, plan sinking funds and track savings challenges in minutes. Every tool runs in your browser, so your numbers stay private.
- 41 free calculators
- Private by design
- Print friendly
Budget calculators and savings tools
Pick a tool, plug in your numbers, and get an actionable breakdown in seconds — grouped so you can jump straight to what you need.
Paycheck & Monthly Budgeting
Split your net income in seconds or give every single dollar a clear job.
Savings Challenges & Sinking Funds
Turn annual bills, irregular expenses and savings targets into steady weekly or monthly habits.
Sinking Fund Calculator
Plan for big irregular costs and see what to save each paycheck.
Open planner100 Envelope Challenge Calculator
See your total, pick a random envelope and track every one you fill.
Open planner52 Week Savings Challenge Calculator
Build a week by week savings chart for any start amount or goal.
Open plannerSavings Goal Calculator
Find what to save each payday or estimate when you could reach your goal.
Open plannerEmergency Fund Calculator
Size a 3 to 12 month safety net from your bare-bones monthly expenses.
Open plannerBiweekly Savings Challenge
Save on payday across 26 two-week periods with a printable check-off chart.
Open planner
Salary, Paycheck & Global Tax Calculators
Convert hourly wages, benchmark job offers, or estimate after-tax take-home pay across 16 countries.
Salary Calculator
Choose your country and estimate gross-to-net or net-to-gross pay.
Hourly to Salary Calculator
Convert hourly, daily, weekly, fortnightly, monthly and annual pay.
Paycheck Budget Calculator
Plan per-paycheck set-asides using annual averages and your paycheck count.
UK Salary Comparison Calculator
Compare job offers and view official earnings context.
Ireland Salary Comparison Calculator
Compare job offers and view official earnings context.
Rent, Groceries, Subscriptions & City Cost-of-Living
Size up affordable rent, plan supermarket trips, audit recurring bills, or compare city budgets side by side.
Rent Affordability Calculator
Compare rent guidelines using your income, deductions, utilities and debt.
Open calculatorGrocery Budget Calculator
Estimate weekly and monthly supermarket budgets for your household size.
Open calculatorSubscription Cost Calculator
Audit recurring apps and memberships to see your true yearly spend.
Open calculatorToronto Cost of Living Calculator
CanadaRent, groceries, transit & two-scenario comparison.
Plan budgetVancouver Cost of Living Calculator
CanadaRent, groceries, transit & two-scenario comparison.
Plan budgetDublin Cost of Living Calculator
IrelandRent, groceries, transit & two-scenario comparison.
Plan budgetCork Cost of Living Calculator
IrelandRent, groceries, transit & two-scenario comparison.
Plan budgetAmsterdam Cost of Living Calculator
NetherlandsRent, groceries, transit & two-scenario comparison.
Plan budgetDebt
Payoff plans and interest math.
Life Events
Weddings, babies, moving and holidays.
No calculators match that search — try a tool name, country, city or currency code (like 50/30/20, Japan, Dublin or EUR).
How to build a budget in three steps
You don't need a complex spreadsheet or a paid app subscription. You need three numbers and ten minutes.
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1Step 01 · Income
Know your take home pay
Use the amount that lands in your bank account after tax. If your pay changes, use your lowest month from the last three.
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2Step 02 · Allocation
Choose a method
The 50/30/20 rule gives you three simple targets. A zero based budget assigns every dollar a job.
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3Step 03 · Future Bills
Plan for the big bills
Set up sinking funds for costs that hit once or twice a year, so they stop wrecking your month.
Latest budgeting guides
Short, practical reads that pair directly with the calculators.
100 Envelope Challenge: Rules, Totals and Easier Versions
How the 100 envelope challenge works, why it adds up to $5,050, how long it takes at each pace, and smaller versions that fit a tight budget.
The 50/30/20 Rule Explained: A Beginner's Budget in 10 Minutes
What the 50/30/20 budget rule is, what counts as a need or a want, and how to adjust the split when your rent takes more than half your pay.
Sinking Fund vs Emergency Fund: What's the Difference?
A sinking fund pays for costs you can predict. An emergency fund pays for the ones you can't. Here is how to use both without mixing them up.
Common questions
Everything you need to know about privacy, currencies and getting started.
Are the Budget-101 calculators free?
Yes. Every calculator on Budget-101 is free to use with no account, no email and no limits.
Do you store my income or spending numbers?
No. All the math runs in your browser. Trackers that remember your progress save it on your own device, and you can clear it any time.
Which budgeting method should a beginner start with?
Start with the 50/30/20 rule. It needs one number, your take home pay, and gives you three clear spending targets. Move to a zero based budget once you want tighter control.
Can I use the calculators in my own currency?
Budget and savings calculators use the selected display currency. Salary calculators and city planners use their local currency. Changing a currency label does not convert amounts using exchange rates.