Tools
Calculators, worksheets and choosing guides
Everything here works on the page with no sign-up, and nothing you type leaves your device. The calculators use simple, stated formulas and show their limits. The guides compare types of setup in plain words with no brand pitches. All of it is general information, not financial, tax or legal advice.
Calculators
Debt Payoff Calculator: Avalanche vs Snowball Side by SideEnter your balances, rates and minimums to compare the avalanche and snowball payoff orders: months to debt-free, total interest and the order debts clear.
Savings Goal and Emergency Fund CalculatorWork out how many months a savings goal will take, or what to set aside each month to hit it by a date, plus a rule-of-thumb emergency fund range.
Worksheet and checklist
Household Budget Worksheet (Printable, Step by Step)A printable household budget worksheet: list income, essentials, flexible spending and priority buckets, then check the gap. Worked example included.
Monthly Money Reset Checklist (Printable, Tick-Off)A printable month-end money checklist covering bills, spending drift, savings, debt and next month's irregular costs. Ticks are saved in your browser only.
Choosing guides
Budgeting setup guide: spreadsheet, app, envelopes, bills and couplesCompare budgeting setups by type: spreadsheet, app, envelopes, bill tracking and shared household systems, with typical costs and honest limits.
Savings setup guide: where to keep cash, how to automate, sinking fundsCompare where to keep an emergency fund, how to automate saving and how to run sinking funds, by account type, with plain limits and no product pitches.
Debt payoff approaches guide: avalanche, snowball, transfers, consolidationCompare debt payoff approaches by type: avalanche, snowball, balance transfers, consolidation loans and counseling, with typical costs, limits and risks.