Free Budgeting Calculators From a Money Coach

Cover bills and minimum payments first, then stop adding to card debt. Build a starter emergency fund, take any employer 401(k) match, and then check your Roth IRA room. Use the free tool to see your next 3 moves in that order.

Split your take-home pay into five funds: Fixed, Unexpected, Needs, Desires, and Stash. Plus the banks that make the setup easy.

Follow the order your next dollar should move. Yes or no questions build a checklist from your answers.

Estimate how much you could have by retirement based on what you save today.

See how much you need in your safety net and how long it takes to get there.

A raise only grows your buying power if it's bigger than inflation. Enter your old and new pay and this calculator compares them with the BLS Consumer Price Index for the same months.

Find out how long it takes to hit a cash goal at your monthly pace.

See how much employer match you capture, and what you leave behind.

Compare a 50/50 split with an income-based fair share and an equal leftover split for your shared bills.

Enter your filing status, income and age to see whether you could max your Roth IRA for 2026, or how much room you have left.

Pick your Money Type, your goal, and the AI you use, and get budgeting prompts to copy into ChatGPT, Claude, or another assistant.

Give every Fixed bill to the right paycheck, see what Fixed keeps from each one, and split Needs, Desires, Unexpected, and Stash evenly across your paydays.

See how much rent you can afford on your pay, or type a rent to see the salary it needs at 25%, 30% or 35%. Works with salary, hourly or take-home pay.

Estimate a home price and mortgage payment that fit your income and debts.

Find your cash to buy a first home, down payment plus closing costs, and the monthly save that gets you there by your date.