Free calculator

Free personal finance calculators

Answer practical money questions before spending: today’s limit, a biweekly plan, emergency savings, and more.

How much can I spend today without running short? Calculate a realistic daily spending limit until your next payday after setting aside bills, fixed costs, and savings. Build a biweekly budget that lasts until the next paycheck Split a biweekly paycheck between bills, savings, and daily spending without connecting a bank. Split your income with the 50/30/20 rule Split income between needs, wants, savings, and debt repayment using the 50/30/20 rule. See how much repeated small purchases really cost Calculate the monthly and yearly cost of repeated small purchases such as coffee, snacks, apps, or rides. How much do you need in an emergency fund? Calculate an emergency fund target and how many months it could take with your current contribution.

Frequently asked questions

Are these financial recommendations?

Educational tools. They do not replace financial, tax, accounting, or legal advice.

Are my amounts sent anywhere?

Amounts are calculated in your browser and are not sent to Smart Expenses.