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Free budget calculators

Quick calculators for the two questions people ask most: how far will my paycheck go, and how fast can I get out of debt? The math runs in your browser and nothing is sent anywhere.

Paycheck budget calculator See which bills each paycheck has to cover and what's left to spend, plus a 50/30/20 split of your pay. Debt payoff calculator Compare the debt snowball and avalanche methods: your debt-free date, total interest and payoff order.

Why plan by paycheck?

A monthly budget can look fine on paper and still leave you short the week rent is due, because the money arrives in pieces. Matching each bill to the paycheck that pays it shows the tight weeks ahead of time, while there's still a chance to move money around.

These calculators show the idea with your own numbers. When you're ready to track it month after month, Clear-Budget does the same thing with repeating bills, a running balance after each one, and debt payoff buckets, free.

Keep your plan up to date

Clear-Budget fills in your repeating paychecks and bills each month and shows your balance after every one.