Budget Beyond tools
Free money tools for the next decision.
Calculators, planners and spreadsheets for budgeting, debt payoff and savings—built to give you a clear next step without requiring a bank login or financial account.
Featured tools
Start with the tool that matches the problem.
Budget Beyond tools are designed around specific decisions rather than generic financial scores. Pick the problem you are trying to solve and work from there.
Budget Planner
Build a monthly plan around your real income, bills and spending without starting from a blank spreadsheet.
Use Budget Planner →Debt Payoff Calculator
Estimate payoff time, interest and how extra payments may change the path to becoming debt-free.
Use Debt Calculator →Debt Snowball Calculator
Compare snowball and avalanche payoff orders and see how the two strategies behave with your balances.
Compare Strategies →All tools
Browse by money problem.
Use the categories below to move between calculators, decision pages and downloadable spreadsheets without hunting through the site.
Budgeting
Plan the month, choose a budgeting method, or download a workbook.
Debt
Choose a payoff order, compare methods, and plan faster repayment.
Savings
Estimate growth, size an emergency fund, or decide where extra cash should go.
Paycheck planning
A new Budget Beyond tool cluster focused on the timing between paydays and bills.
The Budget Beyond Standard
Useful first. Explainable second. Hype last.
We aim to make each tool clear enough that you can understand where the result came from. Important methodology and editorial standards are published rather than hidden behind a black box.
Not sure where to start?
Start with the Budget Planner if you want one place to map your monthly income, bills and spending before making the next decision.
Open Budget Planner