Free Personal Finance Tools
Budget calculators, loan tools, debt payoff planners, savings trackers, and more — built for everyday money decisions. 12 tools, all free.
Budget Calculator
Track monthly cash flow and compare your spending mix against the 50/30/20 rule.
Use tool →Salary Calculator
Convert between hourly, weekly, bi-weekly, monthly, and annual pay. Adjust hours and weeks.
Use tool →Tip Calculator
Calculate tips and split bills between any number of people. Preset and custom tip percentages.
Use tool →Discount Calculator
Find the final price after any discount. Add sales tax. See exactly how much you save.
Use tool →Sales Tax Calculator
Calculate sales tax amount and total price. Enter any tax rate to see the full breakdown.
Use tool →Loan Calculator
Calculate monthly payments, total interest, and view a full amortization schedule.
Use tool →Auto Loan Calculator
Calculate monthly car payments with trade-in, down payment, and sales tax included.
Use tool →Credit Card Payoff
See how long to pay off credit card debt and how much interest you'll pay at different payment amounts.
Use tool →Debt Snowball Calculator
Create a payoff plan, see debt-free date, and estimate interest savings from extra payments.
Use tool →Down Payment Calculator
Calculate how much to save for a home down payment and how long it will take.
Use tool →Savings Goal Calculator
Calculate monthly savings needed to reach your financial goal by a target date.
Use tool →Retirement Calculator
Project nest egg growth, target savings needs, and retirement income sustainability.
Use tool →Free Tools for Smarter Money Decisions
Managing your money does not have to be complicated. SmarterSources offers a complete set of personal finance tools that cover budgeting, loans, debt payoff, savings, and retirement planning. Every calculator runs entirely in your browser — there are no sign-ups, no data collection, and no limits on usage. Whether you are building your first budget or mapping out a retirement plan, these tools give you clear answers in seconds.
Budget Smarter, Spend with Confidence
A solid budget is the foundation of any financial plan. The Budget Calculator helps you map out your monthly income and expenses, then compares your spending breakdown against the popular 50/30/20 rule — 50% for needs, 30% for wants, and 20% for savings and debt repayment. Pair it with the Salary Calculator to understand your true take-home pay across different pay periods, or use the Tip Calculator and Discount Calculator to stay on top of everyday spending. When tax season rolls around, the Sales Tax Calculator makes it easy to see exactly what you are paying on any purchase.
Take Control of Loans and Debt
Debt can feel overwhelming, but having the right numbers makes all the difference. The Loan Calculator shows your monthly payment, total interest, and a full amortization schedule for any loan amount and term. If you are shopping for a car, the Auto Loan Calculator factors in trade-in value, down payment, and sales tax to give you a realistic monthly payment. For credit card debt, the Credit Card Payoff Calculator reveals how long it will take to reach a zero balance at different payment levels, and the Debt Snowball Calculator helps you build a structured payoff plan across multiple debts so you can see your debt-free date and estimate how much you will save with extra payments.
Plan for the Future
Saving for a big goal is easier when you know the exact numbers. The Down Payment Calculator shows how much you need to save for a home purchase and how long it will take at your current savings rate. The Savings Goal Calculator works for any target — an emergency fund, a vacation, or a major purchase — by calculating the monthly contribution you need to hit your goal by a specific date. And when it comes to the long game, the Retirement Calculator projects how your nest egg will grow over time, helps you set a savings target, and estimates whether your retirement income will last.
Frequently Asked Questions
What is the 50/30/20 budgeting rule?
The 50/30/20 rule is a simple budgeting framework that divides your after-tax income into three categories: 50% for needs (rent, groceries, insurance), 30% for wants (dining out, entertainment, subscriptions), and 20% for savings and debt repayment. It is a great starting point if you have never followed a budget before, and our Budget Calculator automatically compares your spending against these benchmarks so you can see where you stand.
What is the difference between the debt snowball and debt avalanche methods?
The debt snowball method focuses on paying off your smallest balance first while making minimum payments on everything else. Once the smallest debt is gone, you roll that payment into the next smallest, building momentum. The debt avalanche method targets the highest interest rate first, which saves more money on interest over time. Both work — the snowball method is better for motivation, while the avalanche method is better for minimizing total interest paid. Our Debt Snowball Calculator helps you build a plan and see your projected payoff timeline.
How much do I need to save for retirement?
A common guideline is to aim for 10 to 15 times your annual salary saved by the time you retire. The exact amount depends on your target retirement age, expected lifestyle, Social Security benefits, and investment returns. Our Retirement Calculator lets you input your current savings, monthly contributions, and expected return rate to project how your nest egg will grow and whether it will sustain your planned retirement income.
Do these tools store my financial data or require an account?
No. Every tool runs entirely in your browser. We do not collect, store, or transmit any of your financial information. There are no accounts, no sign-ups, and no usage limits. Your numbers stay on your device and are never sent to a server. Just open a tool and start calculating.