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Tools / Personal Finance
PERSONAL FINANCE

Personal Finance Tools

9 free tools, all running entirely in your browser.

Free tools built around well-known budgeting frameworks (50/30/20, 6 Jars, envelope budgeting, Kakeibo) alongside everyday tracking and expense-splitting — pick whichever framework fits how you actually think about money.

Budgeting Frameworks

PERSONAL FINANCE

50/30/20 Budget Calculator

Allocate your income across needs, wants, and savings using the 50/30/20 rule — free, with a printable plan.
PERSONAL FINANCE

70/20/10 Budget Calculator

Allocate your income across everyday expenses, savings, and debt/goals using the 70/20/10 rule — free, with a printable plan.
PERSONAL FINANCE

6 Jars Money Management Calculator

Allocate your income across T. Harv Eker’s 6 Jars — free, with a printable plan.
PERSONAL FINANCE

Envelope Budget Planner

The envelope budgeting method — assign a fixed amount per category, log spending, and see when an envelope runs out.
PERSONAL FINANCE

Zero-Based Budget Planner

Give every dollar a job — zero-based budgeting with your own categories, free.
PERSONAL FINANCE

Kakeibo Budgeting Journal

The Japanese Kakeibo mindful budgeting method — log spending by category and reflect monthly, free.

Tracking & Splitting

PERSONAL FINANCE

Personal Budget Tracker

Track your own income and categorized spending, month by month — no account, saved only in your browser.
PERSONAL FINANCE

Group Expense Splitter

Track shared expenses across a trip, event, or ongoing group, and see exactly who owes whom.

Time Tracking

PERSONAL FINANCE

Time Tracker

Log hours against tasks and see daily, weekly, and all-time totals — saved in your browser, no login.

Looking for something else?

Browse all 166 tools, or use the search box on the homepage to find a specific one.