Budget & Spending

Everyday money math: budgeting, cost of living, affordability, tips, discounts, profit margin, and business break-even.

13 free budget & spending tools, no signup.

• 50/30/20 Budget CalculatorSplit your monthly take-home pay into needs, wants, and savings with the 50/30/20 rule. See the dollar target for each category, monthly and yearly.
• Break-Even CalculatorFind the break-even point in units and revenue from your fixed costs, selling price, and variable cost per unit.
• Budget CalculatorAdd up monthly expenses, see your leftover balance and savings rate, and compare against the 50/30/20 rule. Free.
• Car Affordability CalculatorFind out how much car you can afford from your monthly budget, interest rate, loan term, and down payment. Free and accurate.
• College Cost CalculatorProject the inflation-adjusted total cost of college and the monthly savings needed to fund it from your current savings and expected return.
• Cost of Living CalculatorFind the salary you would need in another city to keep the same lifestyle, using cost-of-living indices. Free and accurate.
• Depreciation CalculatorCalculate depreciation expense, accumulated depreciation, and book value by year using straight-line, double declining balance, or sum-of-years-digits.
• Discount CalculatorCalculate the sale price and the amount saved from a percent-off discount. Enter the original price and discount percent.
• Invoice CalculatorTotal an invoice from line items with quantity and price, apply a discount, and add sales tax. See the subtotal, discount, tax, and grand total.
• Markup CalculatorCalculate selling price, profit, and margin from a cost and markup percentage. Free and private.
• Mileage Reimbursement CalculatorCalculate mileage reimbursement using the 2024 IRS standard rates for business, medical, moving, and charity driving. Free and accurate.
• Profit Margin CalculatorCalculate gross profit, profit margin, and markup from a sale price and cost. See why margin and markup are not the same number.
• Tip CalculatorCalculate the tip and split the bill. Enter the bill, tip percent, and party size to see the tip, total, and amount per person.