Free Money Tools & Calculators

Free Money Tools

Use these calculators and trackers to see where you actually stand.

Not sure which tool to use first?

Take the Money Quiz → 3 questions — tells you whether to focus on budget, debt, or savings first.

💰 Budget Tools

Understand where your money goes and build a plan that works.

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Budget Calculator

See exactly where your money goes each month and identify areas to save.

Instant Results ⚡

Quick Budget Calculator

A fast snapshot of your income vs expenses. Great starting point.

60 Seconds 📊

Free Budget Planner (Excel)

Track your full year. Income, expenses, and savings all in one place with automatic calculations.

Download Free

💳 Debt Tools

See your debt clearly and find the fastest path out.

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Debt Payoff Calculator

Find out when you’ll be debt-free and how much interest you’ll save using the snowball method.

See Your Freedom Date

🎯 Savings Tools

Build breathing room and work toward your goals.

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Savings Goal Calculator

Calculate how long it’ll take to reach your savings target with personalised monthly amounts.

Track Multiple Goals 📈

Savings Splitter (Google Sheets)

Split your savings across pots automatically. Buffer, goals, and sinking funds in one view.

Free Download 🛡️

Emergency Fund Calculator

Find out exactly how much buffer you need — personalised to your income and situation.

Instant

🛠️ Other Tools

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Freelancer Tax Calculator

Calculate your 2025/26 tax bill in 60 seconds. Includes income tax, NI, mileage allowance, and capital allowances.

Self-Employed

Ready to go beyond the free tools?

See how the free tools compare to the paid trackers — and find out which one fits where you are right now.

See How It Works →

🔗 More Free Resources

📌 Pinterest: Free Money Tools Board — Visual guides, printables, and money-saving tips.

Popular Articles:

Why Excel/Google Sheets if There Are Online Calculators?

Online calculators are great for a quick snapshot. Beginner-friendly and instant.

Excel/Google Sheets are your private copy. They track progress over time, let you update as things change, and keep your data completely private.

Start with calculators. Move to spreadsheets when you’re ready to track over time.

Where to Start

  1. Not sure what to focus on? → Take the Money Quiz
  2. Not sure where your money goes? → Start with the Budget Calculator
  3. Dealing with debt? → Try the Debt Payoff Calculator to see your freedom date
  4. Can’t seem to save? → Use the Emergency Fund Calculator to make it real
  5. Ready to track over time? → See the full tracker comparison

💡 These are tools, not rules. Use what helps, skip what doesn’t. No judgment, just progress.