Salary, budget and savings calculators for your next money decision
Split your paycheck, plan sinking funds and track savings challenges in minutes. Every tool runs in your browser, so your numbers stay private.
- 30 free calculators
- Private by design
- Print friendly
Budget calculators and savings tools
Pick a tool, enter your numbers and get an answer you can act on today.
50/30/20 Budget Calculator
Split your take home pay into needs, wants and savings in seconds.
Open calculator BudgetingZero Based Budget Calculator
Assign every dollar of income until the amount left to budget hits zero.
Open calculator SavingSinking Fund Calculator
Plan for big irregular costs and see what to save each paycheck.
Open calculator Saving100 Envelope Challenge Calculator
See your total, pick a random envelope and track every one you fill.
Open calculator Saving52 Week Savings Challenge Calculator
Build a week by week savings chart for any start amount or goal.
Open calculator Income and PayHourly to Salary Calculator
Convert hourly, daily, weekly, fortnightly, monthly and annual pay.
Open calculator Income and PayUnited States Salary Calculator
United States Salary CalculatorEstimate take-home pay, taxes and employee deductions in United States.
Open calculator Income and PayCanada Salary Calculator
Canada Salary CalculatorEstimate take-home pay, taxes and employee deductions in Canada.
Open calculator Income and PayUnited Kingdom Salary Calculator
Estimate take-home pay, taxes and employee deductions in United Kingdom.
Open calculator Income and PayIreland Salary Calculator
Ireland Salary CalculatorEstimate take-home pay, taxes and employee deductions in Ireland.
Open calculator Income and PayAustralia Salary Calculator
Australia Salary CalculatorEstimate take-home pay, taxes and employee deductions in Australia.
Open calculator Income and PayNew Zealand Salary Calculator
New Zealand Salary CalculatorEstimate take-home pay, taxes and employee deductions in New Zealand.
Open calculator Income and PayGermany Salary Calculator
Estimate take-home pay, taxes and employee deductions in Germany.
Open calculator Income and PayFrance Salary Calculator
Estimate take-home pay, taxes and employee deductions in France.
Open calculator Income and PayNetherlands Salary Calculator
Estimate take-home pay, taxes and employee deductions in Netherlands.
Open calculator Income and PayBelgium Salary Calculator
Belgium Salary CalculatorEstimate take-home pay, taxes and employee deductions in Belgium.
Open calculator Income and PayLuxembourg Salary Calculator
Luxembourg Salary CalculatorEstimate take-home pay, taxes and employee deductions in Luxembourg.
Open calculator Income and PayDenmark Salary Calculator
Estimate take-home pay, taxes and employee deductions in Denmark.
Open calculator Income and PayNorway Salary Calculator
Estimate take-home pay, taxes and employee deductions in Norway.
Open calculator Income and PaySweden Salary Calculator
Estimate take-home pay, taxes and employee deductions in Sweden.
Open calculator Income and PayJapan Salary Calculator
Estimate take-home pay, taxes and employee deductions in Japan.
Open calculator Income and PaySingapore Salary Calculator
Estimate take-home pay, taxes and employee deductions in Singapore.
Open calculator Income and PayOntario Take Home Pay Calculator
Calculate Ontario salary after tax with an itemized annual and pay-period breakdown.
Open calculator Income and PaySalary Calculator
Choose your country and estimate gross-to-net or net-to-gross pay.
Open calculator HouseholdToronto Cost of Living Calculator
Build and compare a personal monthly living-cost budget for Toronto.
Open calculator HouseholdVancouver Cost of Living Calculator
Build and compare a personal monthly living-cost budget for Vancouver.
Open calculator HouseholdDublin Cost of Living Calculator
Build and compare a personal monthly living-cost budget for Dublin.
Open calculator HouseholdCork Cost of Living Calculator
Build and compare a personal monthly living-cost budget for Cork.
Open calculator HouseholdAmsterdam Cost of Living Calculator
Build and compare a personal monthly living-cost budget for Amsterdam.
Open calculator Income and PayUK Salary Comparison Calculator
Compare job offers and view official earnings context.
Open calculator Income and PayIreland Salary Comparison Calculator
Compare job offers and view official earnings context.
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How to build a budget in three steps
You don't need a spreadsheet or an app subscription. You need three numbers and ten minutes.
- 1
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.
- 2
Choose a method
The 50/30/20 rule gives you three simple targets. A zero based budget assigns every dollar a job.
- 3
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 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.
BudgetingThe 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.
SavingSinking 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
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.