Free tools

Do the arithmetic before you decide anything

Three calculators. Nothing to download, nothing to sign up for, no email gate. Just the math.

01 — Budget Splitter

The 50/30/20 split

Enter your monthly take-home pay to see a starting split between needs, wants, and savings.

Needs (50%)$0
Wants (30%)$0
Savings & debt (20%)$0
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02 — Compound Interest

What steady contributions become

See how a starting balance plus regular monthly contributions grows over time.

Projected balance
$0
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03 — Debt Payoff Date

When you'll actually be debt-free

Enter your balance, interest rate, and monthly payment to see your real payoff timeline.

Time to debt-free