Budgeting & Income
Budgeting & Income
A budget is just a plan for money you've already earned. These tools split your take-home pay into needs, wants, and savings, track your net worth over time, and translate salary into the numbers you actually think in.
Budgeting & Income calculators31
Salary to Hourly Calculator
Convert an annual salary to hourly, weekly, biweekly, and monthly pay — adjusted for your real hours and weeks worked.
Job Offer Comparison Calculator
Compare two job offers on total compensation rather than base salary — bonus, equity, employer match, health premiums and cost of living all included.
Cost of Living Calculator
Find the salary you would need in another city to keep the same standard of living, and whether the offer on the table is a real raise or a disguised pay cut.
Is the Second Income Worth It Calculator
Work out what a second household income is actually worth after tax, childcare, commuting and work costs — and what it comes to per hour actually worked.
Sinking Fund Calculator
Turn irregular expenses — insurance premiums, car registration, the holidays, a known repair — into a single monthly number so none of them ever arrives as a surprise.
College ROI Calculator
Weigh a degree's full cost — tuition plus the wages given up while studying — against the lifetime earnings premium, to see the payback period and return.
Subscription Audit Calculator
Total up your recurring subscriptions and see the yearly cost — plus what that same money would grow to if invested instead over the years.
Windfall Allocation Calculator
Got a bonus, inheritance, or tax refund? See how a windfall splits down the standard priority order — clear high-interest debt, fund emergencies, then invest.
Inflation Calculator
See what inflation does to your money: future cost of today's expenses and the shrinking purchasing power of cash over any horizon.
Net Worth Calculator
Calculate your net worth the way advisors do: everything you own minus everything you owe, with your debt-to-asset ratio as a health check.
50/30/20 Budget Calculator
Split your after-tax income the 50/30/20 way — needs, wants, savings — with monthly dollar targets and the yearly savings it produces.
Break-Even Calculator
Find your business break-even point: how many units you must sell to cover fixed costs, and the revenue that gets you there.
Pay Raise Calculator
See what a raise actually adds — new salary, the annual and monthly increase, and whether it beats inflation for a real raise in buying power.
Tip Calculator
Calculate the tip and total on any bill, and split it evenly across your group — with the exact amount each person owes.
Overtime Pay Calculator
Calculate weekly and annual pay with overtime — your time-and-a-half rate, regular vs overtime earnings, and what the extra hours add up to over a year.
Percentage Calculator
Work out any percentage three ways: what is X% of Y, X is what percent of Y, and the percent increase or decrease from one number to another.
Discount Calculator
Find the sale price after a discount — and what you save. Stack a second coupon to see how percentages combine (they multiply, not add).
Profit Margin Calculator
Turn a cost and a sale price into profit, profit margin, and markup — the three numbers small businesses need to price products and check their economics.
Commission Calculator
Calculate commission earnings from a sale amount and rate, plus any base salary — see the commission, total pay, and what share of your pay is commission.
Savings Rate Calculator
Find your savings rate — the share of your income you keep — and see what it means for financial independence. The single number that predicts how fast you build wealth.
Net Worth Projection Calculator
Project your net worth forward: see where consistent saving and investment growth take you over the years, with a year-by-year path.
Net to Gross Salary Calculator
Work backward from the take-home pay you want to the gross salary you need, given your effective tax rate. The 'gross-up' calculator for offers and negotiations.
Cost of a Habit Calculator
What is that daily coffee, takeout, or subscription really costing you? See the monthly and yearly total — and what the same money could grow to if invested.
Rent Increase Calculator
See your new rent after a percentage increase — the monthly and yearly hit, and how much it compounds over several years of renting.
Trip Fuel Cost Calculator
Estimate the fuel cost of a drive: enter the distance, your car's MPG, and the gas price to see the gallons used and what the trip will cost.
Rent Split Calculator
Split rent fairly between two people by income instead of 50/50 — so each person pays a share proportional to what they earn. See both splits side by side.
Freelance Hourly Rate Calculator
Work backward from the income you want to the hourly rate you must charge — after business expenses, self-employment tax, and the hours you can't bill.
EV vs Gas Car Cost Calculator
Compare what electricity costs against gasoline for the same miles, and find out how long a higher EV sticker price takes to pay back in fuel savings.
Solar Panel Payback Calculator
How long until solar panels pay for themselves? Net cost after incentives against electricity savings that grow as grid rates rise.
Cost Per Use Calculator
Divide what something costs by how often you'll actually use it — the number that decides whether the expensive version is the cheap one.
Asset Depreciation Calculator
Build a depreciation schedule for business equipment using straight-line or double-declining balance, with the annual expense and book value for every year.
Budgeting & Income guides2
Gross vs. Net Pay: Understanding Your Paycheck
Gross pay is your salary; net pay is what actually reaches your account after taxes and deductions. Here's what comes out in between, why pre-tax deductions act like a raise, and which number to budget on.
How to Budget with the 50/30/20 Rule
The 50/30/20 rule splits your take-home pay into 50% needs, 30% wants, and 20% savings and debt payoff. Here's how to apply the simplest budget that works — and what to do when the ratios don't fit your city.