Free money tools
Simple calculators you can use right now. No account, no sign-up, and nothing you type leaves your phone.
50/30/20 budget calculator
Type your monthly take-home pay and see how much goes to needs, wants and savings. Change the percentages to fit your life.
Credit card payoff calculator
See how many months it takes to pay off a card and how much interest you'll pay. Have several cards? Compare the avalanche and snowball methods for up to 5.
These tools give estimates for planning, not financial advice. Find a credit card · Blog
About these calculators
The 50/30/20 budget calculator splits your monthly take-home pay into needs, wants and savings. It's a simple starting point if you've never made a budget, and you can change the percentages to fit your life, for example if rent takes more than half your pay.
The credit card payoff calculator shows how many months it takes to pay off a balance and how much interest you'll pay along the way. If you have several cards, it compares the avalanche method (highest APR first) with the snowball method (smallest balance first) for up to 5 cards.
Both tools are free, work without an account, and what you type stays on your phone. The results are estimates for planning, not financial advice. When you're ready for more, lemonope can track your spending and budgets for you. It's free to start.