Free budget calculators

Which calculator should I start with?

Start with the 50/30/20 calculator if you have never budgeted: it turns your take-home pay into three spending limits in seconds. If you already know your bills, the monthly budget calculator shows what is left after them and your savings rate.

• Saving for something specific (a deposit, a car, a trip)? The savings goal calculator tells you how many months it will take.
• Not sure how big your safety net should be? The emergency fund calculator sizes it from your essential costs and job security.
• Sharing costs with roommates, a partner or a travel group? The split expenses calculator settles who owes whom in the fewest payments.
• Prefer a spreadsheet? Download the free expense tracker spreadsheet with the formulas already built.

What do I do after calculating?

Track what you actually spend for a month and compare it with the plan. A calculator gives you targets; only real numbers tell you whether you hit them. Most budgets fail at this step because logging every purchase is tedious, so pick a tracking method you will keep using.

A spreadsheet works if you enjoy it. If you would rather not open a file after every coffee, spending.chat tracks expenses in WhatsApp: text “coffee 4.50” and the AI logs and categorizes it.

Frequently asked questions

Are these calculators really free?

Yes. There is no sign-up, email or payment. Every calculation happens in your browser and nothing you type is sent to our servers.

Do the calculators work in other currencies?

Yes. They show US dollars, but the math is the same for any currency: type amounts in pounds, euros or anything else and read the results in that currency.

Are the results financial advice?

No. The tools are for general planning and education. They are not investment, tax or credit advice; for big decisions, talk to a qualified professional.