Free tools
Budget calculators
Six quick answers about your money. No sign-up, and nothing you type leaves your browser.
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Safe to spend per day
How much you can spend each day until your next income, with the bills already taken out.
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50/30/20 rule
Split your net income into needs, wants and savings, and see where your rent fits.
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Emergency fund
How big your emergency fund should be, and how many months it takes to get there.
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Vacation savings
What the trip will cost, and how much to put aside each month until you go.
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Split shared bills
What each of you pays, half and half or by income, and what is left over for each.
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Subscription cost
What your subscriptions cost a month, a year and over five years.
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Nothing you type leaves your browser. The sums are done on this page, and nothing is saved or sent anywhere.
Want your safe-to-spend number every morning at 08:30?
Spentalot works it out for you each day, from the income and bills you add once. Free plan, no bank login.
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