14 FOCUSED TOOLS
Personal budget calculators
Turn household expenses and cash targets into clear amounts.
Choose the right calculation
Use a consistent monthly or annual period for both income and expenses. A savings rate is a share of income, while an emergency fund is an amount based on a chosen expense horizon. Targets are assumptions you set rather than universal rules.
Find a tool for your question
Present Value Calculator
Discount a future payment into today’s equivalent value.
Inflation Future Cost Calculator
Estimate a future price using an annual inflation rate you choose.
Emergency Fund Calculator
Estimate a savings target based on monthly essential expenses and months of cover.
Expense Ratio Cost Calculator
Estimate annual fund fees from a constant assumed balance and expense ratio.
Sinking Fund Calculator
Find a regular monthly amount for a known future expense without interest.
Budget Surplus Calculator
Find money left after entered expenses for a matching income period.
Rent to Income Ratio Calculator
Express rent as a share of the monthly take-home income you enter.
Income Replacement Ratio Calculator
Compare entered future income with current annual income on a consistent basis.
Hourly to Annual Salary Calculator
Translate a regular hourly wage and paid schedule into gross annual earnings.
Monthly Salary to Weekly Calculator
Convert recurring monthly gross pay into a weekly equivalent.
Pay Rise Calculator
Find gross pay after a chosen percentage salary increase.
Real Pay Change Calculator
Adjust a nominal pay change for an entered rate of price inflation.
Overtime Total Pay Calculator
Combine regular and overtime earnings into total gross pay for a period.
Take Home Pay Calculator
Calculate net pay from gross pay and tax, pension and other deductions that you enter for the same pay period.
Are the default amounts recommended targets?
No. They are illustrative values showing how each calculation works. Replace them with amounts appropriate to your situation.
Useful next steps in other categories
Salary to Hourly Calculator
Convert gross annual salary to an hourly equivalent.
Rent Split by Income Calculator
Allocate one person’s share of rent in proportion to two incomes.
More money & finance topics
Savings & interest
Model savings balances, contributions and growth timelines.
Explore topic ↗19 calculatorsLoan & repayment
Compare monthly payments, financed amounts and interest costs.
Explore topic ↗7 calculatorsMortgage & property
Explore deposits, mortgage payments, equity and rental yields.
Explore topic ↗23 calculatorsInvestment return
Compare growth rates, portfolio shares and simple income yields.
Explore topic ↗1 calculatorsRetirement planning
Connect retirement savings, future spending and a modelled income gap.
Explore topic ↗1 calculatorsCurrency conversion
Convert amounts with explicit exchange-rate direction and reference dates.
Explore topic ↗