Personal Finance Calculators
16 free personal finance tools
The measure that predicts most outcomes is your savings rate.
Income tells you less about financial progress than the gap between what you earn and what you spend. These calculators cover the everyday arithmetic of that gap — budgets, net worth, savings rate, debt-to-income — plus the conversions people need most often, like turning an hourly rate into a realistic annual figure.
Currency Converter
Convert between 30+ world currencies with a quick reference conversion table.
Open calculatorInflation Calculator
See how inflation changes the value of money between any two years.
Open calculatorNet Worth Calculator
Add up your assets and liabilities to find your true net worth.
Open calculatorBudget Calculator
Build a monthly budget and compare it to the 50/30/20 rule.
Open calculatorDebt-to-Income Ratio Calculator
Calculate your DTI ratio to see how lenders view your borrowing capacity.
Open calculatorSales Tax Calculator
Add sales tax to a price or work out the tax included in a total.
Open calculatorTip Calculator
Calculate the tip and split the bill between any number of people.
Open calculatorDiscount Calculator
Find the sale price and savings from a percentage discount.
Open calculatorPercentage Calculator
Work out percentages, what percent one number is of another, and percent change.
Open calculatorPay Raise Calculator
See your new salary and the increase per year, month and paycheck after a raise.
Open calculatorHourly to Salary Calculator
Convert an hourly wage to an annual salary, or a salary back to an hourly rate.
Open calculator50/30/20 Budget Calculator
Split your take-home pay into needs, wants and savings using the 50/30/20 rule.
Open calculatorRent Affordability Calculator
Work out how much rent you can comfortably afford based on your income.
Open calculatorOvertime Pay Calculator
Calculate your overtime pay and total weekly earnings at any multiplier.
Open calculatorSavings Rate Calculator
Find what percentage of your income you save and how it shapes your timeline.
Open calculatorSubscription Cost Calculator
Add up what your subscriptions really cost — per year, per decade, and if invested.
Open calculator
Savings rate beats income as a predictor
Someone saving 25% of a modest salary reaches financial independence sooner than someone saving 5% of a large one, because savings rate determines both how fast the pot grows and how small the pot needs to be. It is also the number you have most control over. Tracking it monthly turns an abstract goal into something you can actually steer.
The 50/30/20 split is a diagnostic, not a rule
Allocating 50% of take-home to needs, 30% to wants and 20% to savings is useful mainly as a check. If needs exceed 50%, the problem is usually structural — housing or transport — and no amount of discretionary trimming will fix it. Used that way, the split tells you which lever is worth pulling instead of prescribing an ideal budget.
Frequently Asked Questions
What is a good savings rate?+
Anything above 20% of take-home pay puts you well ahead of average. Rates above 40% shorten the path to financial independence dramatically, though they usually require either a high income or unusually low fixed costs.
How do I calculate my net worth?+
Add everything you own — cash, investments, retirement accounts, property at realistic market value — and subtract everything you owe. The absolute figure matters less than the direction it moves over time.
What is a good debt-to-income ratio?+
Lenders generally look for total debt payments below 36% of gross income, with housing under 28%. Above 43% most conventional mortgage lending becomes difficult.