Free Financial Tools
Put your numbers to work.
Use straightforward calculators and planning tools to turn financial questions into practical next steps.
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Twenty-eight calculators and guided tools
Choose the decision you want to make.
No signup for calculators. No saved financial data. Clear assumptions.
Budgeting & Saving
6 tools
Monthly Cash-Flow Planner
See how income, essential costs, flexible spending, debt and saving fit together.
Monthly Budget Planner
Organize income across needs, wants and financial goals using a flexible framework.
Emergency Fund Calculator
Build a savings target around three to six months of essential expenses.
Savings Goal Calculator
Find the monthly amount needed to reach a target by a specific date.
Net Worth Calculator
Compare what you own with what you owe and create a repeatable progress snapshot.
Irregular Income Stabilizer
Build a dependable spending baseline and buffer plan around low, average and strong income months.
Family money lab
Family Money & Kids
10 tools
Practice allowances, saving, spending, work and money conversations together. Entries stay in your browser and are not saved.
Allowance Builder
Build a family allowance system.
Can My Child Afford It?
Create a child-friendly savings plan.
First Paycheck Decoder
Explain a teenager’s real take-home pay.
Chore Marketplace Builder
Price optional jobs clearly.
Family Outing Challenge
Practice tradeoffs with an outing budget.
Teen Subscription Reality Check
Reveal annual costs and work hours.
Debit or Credit Simulator
Compare payment choices and total cost.
What Should My Child Know Next?
Find the next three skills to practice.
College Choice Reality Simulator
Compare education cost and borrowing.
Money Conversation Generator
Start an age-appropriate conversation.
Credit & Debt
3 tools
Debt Payoff Comparison
Compare snowball and avalanche strategies, payoff timing and estimated interest.
Money Decision Lab
Decide whether to build emergency savings or pay debt, test a balance-transfer offer, and map a credit-utilization payment.
BNPL Stack Check
See how several small buy-now-pay-later installments compete for the same paycheck before adding another plan.
Work & Income
2 tools
Gig Work True Pay
Turn app or freelance gross pay into an honest hourly estimate after time, mileage, expenses and a tax reserve.
Job Offer Reality Check
Compare two jobs using take-home pay, benefits, commuting, housing, childcare and one-time transition costs.
Housing & Life Changes
1 tool
Mortgage Calculator
Estimate principal, interest, taxes, insurance, HOA and PMI, then compare faster payoff options.
Family & Care
1 tool
Caregiving Cost Planner
Make unpaid care visible by combining time, out-of-pocket expenses, missed work and available family support.
Investing
1 tool
Compound Growth Calculator
Estimate how starting money and recurring contributions could grow over time.
Retirement
2 tools
Retirement Income Gap
Compare desired retirement spending with expected income and estimate a savings target.
Retirement Income Estimator
Connect expected future spending with a potential retirement savings target.
Business
2 tools
12-Month Cash-Flow Forecast
Project monthly revenue, expenses and ending cash to spot potential shortfalls.
Business Formation Coach
Follow a guided path through formation, setup, compliance and your business plan.
A useful result, not just a number
Every tool follows the same simple process.
- 01Enter your assumptions
Use your actual numbers or test a possible scenario.
- 02Review the result
See the most important totals, comparisons and timing.
- 03Adjust your plan
Change an input and immediately see how the outcome moves.
Helpful context
Frequently asked questions
Clear answers to common questions about free financial tools.
Are these financial calculators free?
Yes. The calculators on this page are available without a subscription.
Are calculator results financial advice?
No. Results are estimates based on the information and assumptions entered. They are a planning aid and do not account for every personal, tax or legal consideration.
Why might my real result be different?
Rates, fees, taxes, timing, rounding and changing market conditions can all affect real-world outcomes. Review the assumptions shown with each tool.
Credit & debt
Balance Transfer Planner
Split a balance across promotional cards, see how one monthly payment is allocated, estimate fees and interest, and plan for every promotional expiration date.
Plan a balance transfer