Personal budget calculators that stay in your browser
Split income with 50/30/20 (or custom %), run a zero-based worksheet, measure your savings rate, and convert weekly or biweekly paychecks into a monthly plan. Free, private — educational arithmetic, not financial advice.
Tools
50/30/20 budget splitter
Split monthly income into needs, wants and savings with classic 50/30/20 or custom percentages. Free, private, browser-only.
Zero-based budget worksheet
Assign every dollar of income to housing, food, transport, debt, savings and other categories. See leftover or over-assignment.
Savings-rate calculator
Compute your savings rate from income and spending, or enter savings directly. Free personal finance arithmetic.
Paycheck → monthly converter
Convert weekly, biweekly, semi-monthly, monthly or hourly pay into a monthly budget base. Browser-only.
Popular guides
The 50/30/20 Budget Rule Explained
What the 50/30/20 budgeting rule means, when to customise percentages, and how to run the split with take-home pay.
Zero-Based Budgeting Basics
How zero-based budgeting assigns every dollar a job, including savings, and how to handle leftovers and overspending.
How to Calculate Your Savings Rate
A clear formula for savings rate, what to include, and how to compare months without fooling yourself.
Converting Paychecks into a Monthly Budget
Weekly, biweekly, semi-monthly and hourly pay converted into a stable monthly budget base without undercounting checks.
Sinking Funds Explained
What sinking funds are, how they smooth annual expenses, and how to line them up inside a zero-based budget.
Common Budget Mistakes to Avoid
Frequent budgeting errors: ignoring annual bills, using gross pay, skipping buffers, and abandoning the plan after one bad week.
How we work
Calculators use transparent arithmetic on numbers you type. Guides cite CFPB and Consumer.gov. We are not a bank or credit counsellor. For emergency-fund depth see CashLadder. Read about BudgetBeam and our affiliate disclosure.