Pocketify
- Pocketify
- Free tools
Free budgeting tools
Simple money calculators that answer one question each. They run in your browser, so nothing you type leaves this page.
Not sure where to start? Work out your monthly budget first, then turn what is left into a daily spending limit. If you have debt, compare payoff orders next. If you have none, build an emergency fund before other savings goals.
Plan a budget
Split your pay and see what is left to spend.
Spend smarter
Daily limits, subscriptions and what things really cost.
Daily spending limit calculator
How much you can spend per day until your next payday.
Subscription cost calculator
Add up streaming, apps and memberships per month and per year.
Cost per use calculator
Compare two purchases by what each one costs every time you use it.
Latte factor calculator
What a small daily habit adds up to over months and years.
Split the bill calculator
Split a bill evenly or by what each person had, tip included.
No-spend challenge tracker
Tick off no-spend days, online or on a printed sheet.
Save for something
Goals, safety nets and yearly costs that catch you out.
Pay off debt
Pick a payoff order and see your debt-free month.
Income and housing
Hourly pay and how much rent fits your income.
Guides
Short reads that go with the tools.
Frequently asked questions
Are these calculators free?
Yes. Every tool on this page is free, needs no account and has no ads.
Do the tools save or send what I type?
No. The maths runs in your browser. Nothing you enter is sent to a server or stored, except the no-spend challenge, which keeps your ticks in this browser only so they are there when you come back.
Which tool should I start with?
Start with the monthly budget calculator to see what is left after bills and savings. Then use the daily spending limit calculator to turn that into a number for today.