Free Family Budget Calculators
Plan your money with 9 private, browser-based calculators. Monthly cash flow, the 50/30/20 rule, zero-based budgeting, sinking funds, debt payoff, dual-income splitting, inflation, and net worth — all 100% on your device. No signup, no bank link, free forever.
Pick a Calculator
Every tool runs locally and saves nothing on our servers.
Monthly Budget Calculator
Plan household cash flow with a live surplus or shortfall.
Open calculator →50/30/20 Budget Calculator
See how close your split is to needs / wants / savings.
Open calculator →Zero-Based Budget Calculator
Give every dollar a job until income minus allocations = 0.
Open calculator →Sinking Fund Calculator
Find the monthly save for known future expenses.
Open calculator →Debt Payoff Calculator
Compare Avalanche vs Snowball payoff dates and interest.
Open calculator →Budget Log & Tracker
Save scenarios in your browser and compare over time.
Open calculator →Dual-Income Budget Calculator
Split shared expenses fairly between two incomes.
Open calculator →Inflation Impact Calculator
See how prices erode your purchasing power over time.
Open calculator →Net Worth Calculator
Track assets minus liabilities at a glance.
Open calculator →Budget by State
See median incomes, taxes, and cost of living for all 50 states to benchmark your own plan.
Explore state guides →📚 Budgeting Blog
Guides, checklists, and deep dives that explain every calculator and method.
Read the blog🔒 Privacy First
All calculations happen in your browser. We never see, collect, or store your numbers.
Read our privacy policyFrequently Asked Questions
The 50/30/20 rule divides your after-tax income into Needs (50%), Wants (30%), and Savings plus Debt (20%). It was popularized by Senator Elizabeth Warren in her book All Your Worth.
Zero-based budgeting means every dollar of income is assigned a specific job (spending, saving, or debt) until Income minus Allocations equals zero. This gives you complete control over your money.
A sinking fund is a savings account where you set aside money each month for a known future expense (like annual car insurance or holiday gifts). It prevents large one-time bills from derailing your monthly budget.
Debt Avalanche (paying the highest interest rate first) always saves the most money in total interest. Debt Snowball (smallest balance first) gives quick psychological wins to keep you motivated.
Yes. All calculations happen locally in your browser. No data is ever uploaded, collected, or shared. No accounts, no email collection. Saved scenarios use localStorage and never leave your device.