23 free tools
Bill & budget calculators
Debt & Credit
Pay it off faster and see what interest really costs.
- Credit Card Payoff CalculatorMonths and interest at your current payment
- Debt Snowball & Avalanche CalculatorSnowball vs avalanche, up to three debts
- Loan Payment CalculatorMonthly payment and total interest
- Debt-to-Income Ratio CalculatorThe number lenders check first
- Late Payment Fee CalculatorWhat paying late actually costs
Budget & Income
Plan every paycheck and know what you can afford.
- 50/30/20 Budget CalculatorNeeds, wants and savings from take-home pay
- Monthly Budget CalculatorIncome minus every category, what's left
- Paycheck Budget CalculatorHow much of each paycheck bills take
- Hourly to Salary CalculatorHourly, weekly, monthly and yearly
- How Much Rent Can I Afford?The 30% rule and the stricter 25%
- How Much Car Can I Afford?The 20/4/10 rule turned into a price
- Can I Afford This Bill?A new bill against what's already committed
Bills & Housing
Know exactly what you'll owe before the bill arrives.
- Prorated Rent CalculatorMove-in or move-out mid-month
- Split Bill CalculatorEqual shares or by income, up to four people
- Electricity Cost CalculatorWhat an appliance adds to the bill
- Utility Bill EstimatorUsage × rate + fixed charges
- Bill Increase CalculatorWhat the increase costs over a year
- Subscription Cost CalculatorYearly, five-year, and cost per use
- Fuel Cost CalculatorMonthly fuel cost from miles and mpg
- Cost Per Day, Week, Month & Year CalculatorAny amount, every time frame
Savings
Set a target and reach it sooner.
Which calculator do I need?
- Moving? Start with prorated rent for your first or last partial month, then how much rent you can afford 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.
- Building a budget? Try the 50/30/20 rule for a quick target, the monthly budget calculator for detail, and the paycheck budget calculator if you're paid weekly or every two weeks.
- A bill went up or a new one is coming? Use the bill increase, subscription cost and can I afford this bill calculators.
- Saving? Set a target with the emergency fund or savings goal calculator, and see long-term growth with the savings growth calculator.
How these calculators are built
Every calculator uses the same formulas as the Bill Organizer app for iPhone and Android: 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.