Budget101
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Free budget calculators that make your money plan simple

Split your paycheck, plan sinking funds and track savings challenges in minutes. Every tool runs in your browser, so your numbers stay private.

Start with the 50/30/20 calculator Browse all tools
  • 5 free calculators
  • Private by design
  • Print friendly
Quick budget split
Needs 50%$2,000
Wants 30%$1,200
Savings 20%$800
Customize your split

Budget calculators and savings tools

Pick a tool, enter your numbers and get an answer you can act on today.

Coming soon Debt Snowball CalculatorDebt Avalanche CalculatorSavings Goal CalculatorEmergency Fund CalculatorBiweekly Savings ChallengeHourly to Salary CalculatorPaycheck Budget CalculatorRent Affordability CalculatorGrocery Budget CalculatorSubscription Cost CalculatorWedding Budget CalculatorChristmas Budget Calculator

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. 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. 2

    Choose a method

    The 50/30/20 rule gives you three simple targets. A zero based budget assigns every dollar a job.

  3. 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.

All articles
Savings challenges

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.

· 2 min read Budgeting

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.

· 2 min read Saving

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.

· 2 min read

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?

Yes. Pick your currency from the menu at the top of any page and every calculator updates at once.