Free Budget, Savings & Subscription Calculators

Check your monthly plan, estimate a savings contribution or compare recurring subscription costs. Use your own amounts and review the result against actual records.

Monthly spending · Savings target · Subscription costs

No login, payment or bank connection. Entries are not saved by these tools; reloading clears them. Do not enter account numbers or other sensitive details.

Monthly spending snapshot

Use take-home income and the amounts you expect to spend or set aside during the same month.

Monthly take-home income ($)Essential spending ($)Other spending ($)Money set aside for savings ($)Enter four monthly amounts to start.

Formula: take-home income − essential spending − other spending − savings allocation.

Savings contribution calculator

Estimate equal monthly contributions toward one savings target.

Savings goal ($)Already saved ($)Months remainingEnter your target, current savings and months available.

Formula: max(goal − already saved, 0) ÷ months, rounded up to the nearest cent. Assumes equal contributions and no interest, returns, fees or withdrawals.

Subscription cost comparison

Compare one recurring price with an optional alternative. Enter the amount charged each time and its billing interval. All amounts are US dollars.

Formula: price per charge × estimated charges per year; divide that annual estimate by 12 for a monthly average. Uses 52 weekly, 26 two-weekly, 13 four-weekly, 12 monthly, 4 quarterly, 2 six-monthly or 1 annual charge. Weekly-based figures are approximations; exact charge dates can change a 12-month total.

Assumes the same price throughout the comparison year. Include known taxes and fees in the amount entered; promotional changes, refunds and cancellation dates are not calculated. A monthly average does not change when a bill is due. This tool does not track, change or cancel a subscription.

Example: $15 monthly estimates $180 a year. A $120 annual plan averages $10 a month: $60 less a year in this comparison, but the full $120 is due when charged. Four-weekly billing has about 13 charges a year, rather than 12.

Read the subscription spending review guide · FTC: subscription terms, renewals and cancellation records ↗

Monthly budget and savings examples

With $3,200 take-home income, $1,800 essential spending, $650 other spending and $300 allocated to savings, the snapshot leaves $450. This is an estimate, not a prediction of your bank balance: check payment timing, pending transactions and costs you have not included.

For a $720 savings goal with $120 already reserved and 12 months available, the monthly target is ($720 − $120) ÷ 12 = $50. Check that a contribution fits around essential bills.

Keep using your plan

These calculators provide simple arithmetic, not a recommendation about what your household can afford. They do not store entries or intentionally transmit them. Your browser and hosting provider process ordinary technical data.

For a reusable record, compare the Simple Budget Tracker ($5) and Money Roadmap ($14.99), or explore the optional printable planners.

Read: how to plan ahead for annual bills · Read: your first monthly budget