Free tools
Budgeting & Savings Tools
Two quick calculators to turn your income into a plan: a spending split and a savings-goal timeline.
50/30/20 Budget Splitter
A quick starting split for your take-home pay. Adjust category percentages later to fit your situation.
- Needs (50%)$2,410
Rent, utilities, groceries, minimum debt payments
- Wants (30%)$1,446
Dining out, hobbies, subscriptions, travel
- Savings & extra debt payoff (20%)$964
Investing, emergency fund, paying down debt faster
Savings Goal Tracker
See how long it will take to hit an emergency fund, down payment, or debt-free date at your current savings pace.
Progress21%
At this pace
30 months
$11,800 left to save
Need a full debt-payoff plan?
The Toolkit includes a debt-payoff planner, category-by-category budget worksheets, and a side-hustle income planner.