Budgeting tools
Every calculator is free, runs in your browser and saves only on your device. Start with the budget planner, and the other tools will pick up your numbers.
Budget planner
See where every dollar of your take-home pay goes.
Monthly money check-in
Log each month, keep a streak, and get a reminder on the 1st.
Debt payoff planner
Avalanche or snowball: your debt-free date and interest saved.
Emergency fund calculator
How many months you could last, and how big your cushion should be.
Cost of waiting calculator
Compound growth, and what starting later really costs.
50/30/20 calculator
Split your pay into needs, wants and future you.
Savings goal planner
How much to set aside each month to hit a goal on time.
Subscription audit
Add up streaming, apps and memberships. Most people guess low.
Bank fee calculator
What your chequing account costs you over 10 years.
Hours of work calculator
Turn any price into the hours you work to pay for it.
Make it a habit. The monthly check-in keeps a log of each month on your device, with a streak and a trend chart. Twenty minutes on the 1st is all it takes.
Want a second set of eyes on your budget?
The tools get you most of the way. If you're stuck, overwhelmed, or just want someone to walk through your numbers with you, book a 30-minute call with a BudgetHelp budget coach.
No judgement and no sales pitch. You leave with a plan you understand and three next steps.
How coaching worksBudget coaching call
30 minutes, by phone or video
- A walk-through of your real numbers
- Where your money is leaking
- A simple plan for debt, savings and goals
- A written summary with your next steps
Secure checkout by Stripe. Educational coaching, not financial advice.
Have a money question?
Ask anything about budgeting, saving or getting out of debt. A real person reads every message and replies by email.