Free Tools & Resources

Calculators you can use instantly. Printables you'll actually keep. No sign-up required for calculators — just answers.

Instant Calculators

Use them right now. No email. No sign-up. Just results.

Calculator
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Zero-Based Budget Calculator

Give every unit of income a job and get "left to assign" to exactly zero. The whole envelope method, live in your browser.

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Calculator

Debt Payoff Calculator

Snowball vs avalanche with your real debts: months to debt-free, total interest, and which order saves you the most.

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Calculator
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Subscription Cost Calculator

List everything you subscribe to and see the monthly bleed, the 10-year total, and what that money could become instead.

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Calculator
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50/30/20 Budget Calculator

Enter your take-home pay and get your needs, wants, and savings targets instantly — or set your own split.

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Calculator
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Emergency Fund Calculator

Your real safety-net number — months of essential expenses, not salary — plus a realistic date for having it.

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Calculator
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Savings Goal Calculator

A deposit, a holiday, a cushion: enter the target and monthly amount, get the date you’ll hit it.

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Calculator
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Compound Interest Calculator

Year-by-year growth with monthly contributions — and the moment the interest starts out-earning you.

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Calculator

Net Worth Calculator

What you own minus what you owe. Two minutes to the most honest number in personal finance — uploaded nowhere.

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Calculator
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True Hourly Wage Calculator

Find out what you really earn per hour after commuting, overtime, and hidden work costs. The number might surprise you.

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Simulator
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SaaS vs. Ownership Simulator

See exactly how much you spend renting software over 1, 3, and 5 years versus buying it once.

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Printable Resources

High-quality PDFs sent straight to your inbox. Print them as many times as you like.