💰 Budget & cash flow
8 essential tools to manage your money flow. Click any calculator to open its dedicated page. All work offline, no signup, just simple math in your browser.
💵 Budget to savings
Turn your budget surplus into automatic savings. See exactly how much you can save from your monthly budget.
💸 Remaining income
After expenses, how much is left? Calculate true disposable income and potential savings.
✂️ Expense reduction
Cut expenses by a percentage – see annual savings. Motivating way to track frugality.
📊 Fixed vs variable
Analyze fixed vs variable expenses. Identify which variable costs to trim for maximum savings.
📋 Zero‑based budget
Every dollar has a job. Allocate income to expenses + savings until zero – build savings intentionally.
🧧 Envelope budget
Classic cash envelope system. Split income into categories and see what's left for savings.
💳 Paycheck savings
Save a fixed amount or percentage from each paycheck. Project yearly savings.
📉 Irregular income
Freelancer or variable pay? Calculate baseline savings using average or percentage method.