Budgeting Calculators
Apply proven budgeting frameworks, plan your monthly spending, and build a proper emergency cushion.
50/30/20 Rule Calculator
Split your income into 50% needs, 30% wants, 20% savings and debt repayment instantly.
PopularMonthly Budget Planner
Enter income and all expenses to see your surplus or deficit. Know where every dollar goes.
Coming soonEmergency Fund Calculator
Calculate your 3-month and 6-month emergency fund targets based on actual expenses.
Coming soonTake-Home Pay Calculator
Calculate your net salary after income tax and mandatory deductions. Covers US, UK, Australia, and Canada federal rates.
US · UK · AU · CASalary Comparison Calculator
Compare two job offers side by side including after-tax pay, commuting costs, and total compensation value.
Job offer comparisonPay Raise Calculator
See the exact after-tax impact of a salary increase or bonus and how much extra take-home pay you gain.
After-tax impactBuilding a budget that fits your income
What these tools help you decide
Budgeting tools turn a salary into a plan: how much actually lands in your account after tax, how to split it between needs, wants and savings, and how much of a raise you really keep. They are the starting point for almost every other financial decision.
How to choose the right calculator
Begin with take-home pay so you are budgeting real net income, not your headline salary. Then use the 50/30/20 tool to divide that net pay, adapting the ratios if your housing costs are high. Before relying on any plan, make sure you have an emergency fund; the emergency-fund calculator sizes a 3–6 month buffer.
Jurisdiction note
The take-home-pay calculator models federal-level tax and social contributions for the US, UK, Australia and Canada. It does not include US state, Scottish, or Canadian provincial income taxes, which vary by location — treat the result as a close estimate, not a payslip.
Where to start
- Take-Home Pay Calculator — net income after tax
- 50/30/20 Budget Calculator
- Emergency Fund Calculator
- Pay Raise Calculator — what you actually keep
- Guide: the 50/30/20 rule, with examples and limits
Estimates for general information only, not financial or tax advice. Rules and rates differ by country and change over time — check the figures on each calculator against the linked official source.