Free 50/30/20 Budget Calculator
Enter your take-home pay and spending to see your needs, wants and savings split, and what to fix first.
Open the calculatorBudgeting Guides
Plain-English guides on where your money goes and what to change first, with worked examples you can copy. Start with a free calculator, then read the guides.
Start here
Free Debt Payoff Calculator
Enter up to five debts and compare the snowball and avalanche methods: time to debt-free, total interest and payoff order.
Open the calculatorGuides
50/30/20 Budget Rule on a $3,000 Monthly Income
Dollar targets, a sample budget line by line, and what to do if your rent is higher than the rule allows.
Read the guideNeeds vs Wants: What Counts as What in Your Budget
A three-question test, a clear list of each, and a gray-area table for phones, cars, gyms, coffee and more.
Read the guideDebt Snowball vs Debt Avalanche: Which Payoff Method Is Better?
Both methods on the same three debts, with interest numbers, a side-by-side table and tips for choosing.
Read the guideWant your budget tracked every month?
Budget Command Center PRO adds month-by-month tracking, forecasting and a diagnostic that explains where your split is off. It runs in your browser, with a one-time price.
See Budget Command Center PROWant a full plan to pay off your debts?
Debt Freedom Planner PRO adds a full amortization schedule, a month-by-month payoff timeline and the interest saved for every debt. It runs in your browser, with a one-time price.
See Debt Freedom Planner PROGeneral education only, not financial, tax or legal advice.