Free tools
Free budgeting calculators
Real calculations from the BudgetByChat app, in your browser, with no sign-up. Nothing you type is saved.
Zero-based budget calculatorFree zero-based budget calculator: enter your monthly take-home pay and get a budget in seconds, with rent, groceries, transport and more, in any of 30 currencies. No sign-up.Open →Debt payoff calculatorFree debt payoff calculator: compare the avalanche and snowball methods with your own loans, months to debt-free, total interest and interest saved by paying a little extra.Open →Savings goal calculatorFree savings goal calculator: how many months to reach a goal, or how much to save each month to hit it by a date. Emergency fund, wedding, Hajj, school fees, in any currency.Open →Net worth calculatorFree net worth calculator: add up cash, savings, gold, property and investments, subtract loans and cards, and see your net worth and debt-to-asset ratio. Nothing leaves your browser.Open →Remittance budget calculatorFree remittance budget calculator: enter your salary and the share you send home, and see what your family receives at today’s exchange rate, plus what is left for you.Open →