Every tool here is free to use, no sign-up required — and everything you enter stays in your browser. Pick a tool and start planning.

Budgeting & Planning

• Free Monthly Budget Calculator — split your take-home pay with the 50/30/20 rule in seconds.
• 50/30/20 Budget Splitter — visual needs/wants/savings buckets from one pay figure.
• Paycheck Budget Planner — give every dollar of each paycheck a job before payday.
• Subscription Cost Tracker — total your monthly subscriptions and spot the easy cuts.

Debt & Borrowing

• Debt Snowball Payoff Calculator — your payoff order, timeline, and interest saved.
• Debt-to-Income (DTI) Calculator — your DTI ratio plus what lenders think of it.
• Mortgage Payment Calculator — monthly payment with a principal-vs-interest split.
• Loan Amortization Calculator — monthly payment and a full amortization schedule.
• How Much Car Can I Afford? Calculator — a safe car price range using the 15% rule.

Saving & Investing

• Compound Interest Calculator — watch your money grow year by year.
• Savings Goal Tracker — progress bar and finish date for any goal.
• Emergency Fund Calculator — your target fund size and how long to build it.
• Retirement Savings Projector — projected retirement balance from your current path.
• Net Worth Tracker — assets minus liabilities, with a clear breakdown.

Earning

• Freelance Hourly Rate Calculator — the rate that actually covers your costs and taxes.
• Salary to Hourly Converter — convert salary to hourly and hourly to salary instantly.

Everyday Tools

• Password Generator — strong random passwords with the length and characters you choose.
• QR Code Generator — turn any link or text into a scannable QR code instantly.
• Word Counter — words, characters, sentences, and reading time as you type.
• Percentage Calculator — discounts, tips, and percent change in one place.
• Unit Converter — miles/km, kg/lbs, °C/°F and more, instantly.