Simple money-saving guides, checklists & free tools — no sign-up, no risky advice.
6 interactive calculators and 7 printable checklists, planners and templates. Everything runs in your browser: nothing is saved, nothing is sent anywhere, and no sign-up is needed.
These are estimating tools for everyday money decisions — educational, not financial advice. Your own rates, fees and circumstances will differ.
Each one answers a single question and shows what the result means, so you leave with a number you can act on rather than a page of theory.
A free subscription calculator. Add up every recurring charge, untick the ones you do not use, and see what cancelling them frees up each month and year.
For: Anyone who suspects they are paying for things they no longer use
Open tool →A free savings goal calculator. See how long your goal takes at your current pace, and exactly what you need to save each month to hit a deadline.
For: Anyone saving toward a specific thing with a date attached
Open tool →A free emergency fund calculator. Work out your target based on essential spending, see how far along you are, and find out how long your current pace takes.
For: Anyone building a first emergency fund or checking whether theirs is big enough
Open tool →A free debt payoff calculator comparing the snowball and avalanche methods. Add your debts and see your payoff date, total interest, and what an extra payment saves.
For: Anyone paying off more than one debt who wants a realistic payoff date
Open tool →A free compound interest calculator for savings accounts. See what your deposits grow to, how much is interest, and what a high-yield account is worth versus 0%.
For: Anyone deciding where to keep their savings, or how much regular deposits add up to
Open tool →A free 50/30/20 budget calculator. Enter your take-home pay and see exactly how much belongs in needs, wants, and savings each month.
For: Anyone who wants a simple monthly budget without tracking every receipt
Open tool →Put a number on the everyday costs that are easy to underestimate — and on what changing them is actually worth.
A free subscription calculator. Add up every recurring charge, untick the ones you do not use, and see what cancelling them frees up each month and year.
For: Anyone who suspects they are paying for things they no longer use
Open tool →A free savings goal calculator. See how long your goal takes at your current pace, and exactly what you need to save each month to hit a deadline.
For: Anyone saving toward a specific thing with a date attached
Open tool →A free emergency fund calculator. Work out your target based on essential spending, see how far along you are, and find out how long your current pace takes.
For: Anyone building a first emergency fund or checking whether theirs is big enough
Open tool →A free debt payoff calculator comparing the snowball and avalanche methods. Add your debts and see your payoff date, total interest, and what an extra payment saves.
For: Anyone paying off more than one debt who wants a realistic payoff date
Open tool →A free compound interest calculator for savings accounts. See what your deposits grow to, how much is interest, and what a high-yield account is worth versus 0%.
For: Anyone deciding where to keep their savings, or how much regular deposits add up to
Open tool →A free bill review checklist to help you go through recurring bills and subscriptions and find ones to cut.
For: Anyone reviewing recurring bills and subscriptions
Open tool →A free grocery savings checklist to help you plan, shop, and lower your food bill without complicated steps.
For: Anyone wanting to lower their grocery bill
Open tool →Work out where your money should go before the month starts, rather than reconstructing it afterwards.
A free 50/30/20 budget calculator. Enter your take-home pay and see exactly how much belongs in needs, wants, and savings each month.
For: Anyone who wants a simple monthly budget without tracking every receipt
Open tool →A free weekly spending review template to help you build a short, steady money habit one week at a time.
For: People building a weekly money habit
Open tool →A free savings goal worksheet to help you break a target into small, manageable steps over time.
For: People saving toward a specific goal
Open tool →A free, simple monthly budget checklist to help beginners set up and review a basic budget step by step.
For: Beginners setting up their first monthly budget
Open tool →A free expense tracking template to help beginners record daily spending and see where their money goes.
For: Beginners who want to see where their money goes
Open tool →Small recurring costs, totalled up over a year where they actually show.
A free no-spend weekend planner to help you plan two enjoyable days without spending money on extras.
For: People trying a short no-spend reset
Open tool →Every calculator starts with example figures so you can see how it behaves before typing anything. Replace them with your own numbers and the results update as you go. The arithmetic is deliberately plain — a target is essential spending times a number of months, a payoff date is the month the balance reaches zero — so you can check any figure by hand if you want to. Nothing you type leaves your browser.
Where a result depends on something we cannot know — the rate your bank actually pays, the fees on a particular account, whether your income is steady — the tool says so rather than picking a flattering assumption.
Calm, beginner-friendly guides for budgeting and saving money, straight to your inbox.
No spam. Educational money-saving tips only. Unsubscribe anytime.
