Saving and Budgeting
How Big Should Your Emergency Fund Be?
Three months or six? The right number depends on how fragile your income is, and the right place is almost never an average savings account.
Bureau of Wealth
Free money calculators that show their working, with plainly written guides on saving, spending, earning a little more and running a household budget. No sign-up, no hype, and your numbers never leave your browser.
Calculators
All calculators- Loan Repayment Calculator Enter the amount, APR and term to see your monthly payment, the total interest you will pay, and how much sooner extra payments clear the loan.
- Debt Payoff Calculator: Avalanche or Snowball Add each debt's balance, APR and minimum payment, set the total you can pay each month, and see your debt-free date, the order your debts clear and how much you save over paying only the minimums.
- Credit Card Payoff Calculator Enter your card balance and APR, then choose a fixed monthly payment, a number of months to clear it, or the minimum only, to see how long it takes and how much interest you pay.
- Debt-to-Income Ratio Calculator Enter your gross monthly income, your rent or mortgage payment and your other monthly debt payments to see your debt-to-income ratio and the share of income going on housing alone.
- Auto Loan Calculator Enter the vehicle price, what you are putting down, your trade-in, sales tax, fees, APR and term to see the amount financed, your monthly payment and what the car costs in total.
- Student Loan Refinance Calculator: RAP and Tiered Standard Enter your balance, rate and income to see whether refinancing lowers your payment and total interest, and what the federal Repayment Assistance Plan and Tiered Standard plan would ask you to pay.
Built on figures from institutions millions of people rely on
The rules, rates and limits behind our calculators and guides come from Internal Revenue Service, Social Security Administration, Consumer Financial Protection Bureau and 3 other public bodies. Every page links to the publication it uses.
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Topics
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Saving and Budgeting
Building a buffer, tracking spending and making a budget you will actually keep.
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Smart Spending
Getting more from every purchase, from groceries to subscriptions to big-ticket buys.
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Earning More
Side income, pay rises and small ventures that add up without eating your evenings.
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Money at Home
Bills, energy, insurance and the household admin that quietly decides your monthly number.