Free budgeting tools
Know exactly where your money goes — and what you can spend today
Budgeter is a free budget planner, a set of focused money calculators and a plain-language learning centre. No sign-up, no adverts pretending to be advice, and nothing stored on our servers.
Private by design
Your figures stay in your browser.
Eight focused tools
Budget, debt, loans and savings.
30 practical guides
Written in plain language.
A budget planner that fits a real month
Enter income, fixed and variable costs, savings and debt payments. See your surplus, your savings rate and a realistic daily spending figure — then save it privately to your device.
Everything in one view
Income, expenses, savings and debt side by side, with running totals as you type.
Daily safe-to-spend
Your available money minus commitments, divided across the days until payday.
Yours to keep
Save to your browser, export to CSV, or print a clean copy for the fridge.
Calculators for everyday decisions
Each tool answers one question clearly, shows the formula behind it, and explains what the result means.
- Budget CalculatorSplit your monthly income across expenses, savings and debt.
- Daily Spending CalculatorTurn a monthly budget into a realistic daily spending limit.
- Loan CalculatorEstimate repayments, total interest and the full cost of a loan.
- Savings Goal CalculatorFind out how much to put away each month to hit a target date.
- Emergency Fund CalculatorSize an emergency fund based on your essential monthly costs.
- Debt Payoff CalculatorSee how long your debts take to clear and what interest costs.
- Income vs Expenses CalculatorCompare what comes in with what goes out each month.
- Safe-to-Spend CalculatorKnow what is genuinely spendable before your next payday.
Learn the money basics
Straightforward guides on budgeting, saving, debt and loans — no jargon, no product pitches.
- Money MindsetThe Psychology of Spending: Why We BuyMost overspending is emotional, not mathematical. Understand the triggers behind everyday purchases and the practical habits that reduce them.
- Financial PlanningFinancial Independence and the FIRE MovementWhat financial independence actually means, how the FIRE numbers are calculated, the different versions of FIRE, and the realistic trade-offs involved.
- Financial PlanningCommon Investing Mistakes Beginners MakeThe mistakes that cost new investors the most: investing before the basics are in place, chasing performance, paying high fees and reacting to market falls.
- Budgeting for BeginnersWhat Is a Safe-to-Spend Amount?Safe-to-spend is the money genuinely available after upcoming bills and savings. Learn the formula, its limits, and how to use it day to day.
- Budgeting for BeginnersHow to Create a Monthly BudgetBuild a monthly budget from income, fixed costs, variable costs, savings and debt — plus how to handle irregular bills and what to do with a surplus.
- Debt ManagementHow to Pay Off Debt FasterCompare avalanche and snowball methods, understand why extra payments matter so much, and build a repayment plan you can maintain for months.
Frequently asked questions
Education, not advice