Free tools
Calculators for quieter money decisions
EMI, budgets, debt payoff, and subscriptions — instant, private in your browser, no bank link. Track the real month in expenie when you are ready.
- LoansEMI calculatorPrincipal, annual rate, and months → monthly EMI, total interest, and total payable.
- Budget50/30/20 budget calculatorTurn monthly income into needs, wants, and savings targets using the classic 50/30/20 rule.
- BudgetMonthly budget plannerPlan category limits against monthly income and see what is left — or how far over you are.
- DebtDebt payoff calculatorSee how long a fixed monthly payment takes to clear a balance at a given APR — and total interest paid.
- RecurringSubscription cost calculatorList monthly subscriptions and see the yearly burn — before renewals stack up.
- Cash flowHow much can I spend?Income − fixed bills − savings goal = discretionary leftover for the month.
- SavingsSavings goal calculatorGoal amount, starting balance, timeline, and interest rate → the monthly amount you need to set aside.
- SavingsCompound interest calculatorStarting balance plus a monthly contribution, compounded monthly, over any number of years.
- SavingsEmergency fund calculatorMonthly fixed costs and months of cover → target, shortfall, and how long to get there.
- LoansLoan prepayment calculatorA one-off lump sum against principal → months saved and interest avoided.
- LoansCredit card minimum payment calculatorBalance, rate, and a percentage-of-balance minimum → how many years it actually takes.
- LoansDebt snowball calculatorSeveral debts plus one extra payment → payoff order, months, and total interest either way.
- SubscriptionsAnnual vs monthly subscription calculatorMonthly and annual prices → yearly saving, percentage, and the break-even month count.
- BudgetRent affordability calculatorMonthly take-home and a target share → suggested rent and what remains.
- OverviewNet worth calculatorEverything you own minus everything you owe, with the common valuation traps flagged.
- BudgetSavings rate calculatorTake-home pay and monthly spending → the percentage you actually keep.
- OverviewInflation calculatorAn amount, a rate, and a number of years → future cost and today's lost buying power.
- IncomeHourly to salary calculatorHourly rate and hours worked → weekly, monthly, and yearly gross income.
- Shared costsExpense split calculatorWho paid what toward a shared total → an even split and the settlement each way.
- LoansCar affordability calculatorMonthly budget minus running costs → what a loan at your terms actually supports.
- CardsCredit utilization calculatorTotal balances and limits → your utilisation and what to repay to hit a target.
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