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.
37 in-depth 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.
- Debt ManagementUnderstanding Credit ScoresUnderstand credit scores, calculate credit utilisation, check report errors and distinguish general guidance from country-specific scoring rules.
- 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.
- Saving MoneyThe Difference Between Saving, Investing and BudgetingWhat is the difference between saving, investing and budgeting? A simple comparison with examples showing which to do first and why.
- 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.
- Money MindsetHow to Stop Impulse BuyingA practical, step-by-step approach to reducing impulse purchases, using friction, waiting rules, budgeted spending and habit changes that actually stick.
Frequently asked questions
Education, not advice