Bill & budget calculators

Which bill calculator do I need?

• Moving? Add up the cash you need with the moving cost calculator, use prorated rent for your first or last partial month, then check how much rent you can afford (or how much house on our sister mortgage site) and the bill splitter if you'll share the place.
• Paying off debt? The credit card payoff calculator handles one card. For several debts, the debt snowball & avalanche calculator shows which order clears them fastest and cheapest. See what paying only the minimum really costs with the minimum payment calculator, and whether a 0% offer beats its fee with the balance transfer calculator.
• Building a budget? Start with the monthly budget calculator for detail, and the paycheck budget calculator if you're paid weekly or every two weeks. Prefer a different split? The 70/20/10 budget calculator also does 60/30/10, 80/20 and your own. For the lines people underestimate, use the grocery budget and cost of owning a car calculators.
• Organizing the month? Put every bill on the bill calendar maker next to your paydays, balance them with the due date planner, and total your subscriptions with the subscription tracker. All the free bill tools are in one place.
• A bill went up or a new one is coming? Use the bill increase, subscription cost and can I afford this bill calculators. Check what each line of a family plan really costs with the phone bill calculator, and turn yearly bills into a monthly transfer with the sinking fund calculator.
• Saving? Turn a target and a date into a monthly amount with the sinking fund calculator, and see long-term growth with the savings growth calculator. Planning something specific? Try the vacation budget, holiday budget or retirement budget calculator.
• Eating out with friends? The restaurant bill calculator adds tax and tip and splits it per person.

How these calculators are built

57 of the calculators are also in the Bill Organizer app for iPhone and Android, with the same formulas: standard amortisation for loans, month-by-month simulation for debt payoff, and monthly compounding for savings. Each page explains its formula and works through an example generated by the calculator itself, so the numbers in the text always match the tool. Nothing you type is sent anywhere. The maths runs in your browser.

When a result is a regular payment, such as a loan, rent or a savings transfer, one click adds it to the free online bill tracker as a monthly bill, so the number you worked out actually gets paid on time.