Budget, Pay & Debt Calculators
Knowing what you earn, what you keep and where it goes is the base of every money plan. These free calculators help you turn hourly pay into a yearly figure, estimate take-home pay and tax, split a paycheck into a simple budget, and see how fast you can pay off debt. Instant results. No sign-up.
Calculators in this category
Which calculator should I use?
- You want a simple plan for your monthly income: 50/30/20 Budget
- You are paid by the hour and want a yearly figure: Hourly to Salary
- You want to know what you actually take home: Paycheck
- You want a payoff date for a balance: Debt Payoff
- You want a rough federal income tax estimate: Tax Calculator
The 50/30/20 rule in plain words
The 50/30/20 rule splits your after-tax income into three parts: about 50% for needs such as housing and food, about 30% for wants, and about 20% for savings and debt payoff. It is a starting point, not a law, so adjust the percentages to fit your life.
Remember that take-home pay is lower than your salary because of taxes and deductions. Use the paycheck calculator first, then build your budget from the take-home number.
Frequently asked questions
Is take-home pay the same as my salary?
No. Take-home pay is what is left after taxes and deductions, so it is lower than your gross salary. Use your take-home amount for budgeting.
How can I pay off debt faster?
Paying more than the minimum reduces the interest you pay and shortens the payoff time. Enter a higher monthly payment in the debt payoff calculator to see how much sooner you could finish.
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Estimates for education only, not financial advice.