Free Finance Tools

Standalone calculators and planners for budgeting, savings, loans, debt payoff, housing, taxes, and more. No signup required. Try a tool below and get instant results.

Budget Calculator (Jars & 50/30/20)

Split income across categories instantly and export your plan.

Savings Goal Planner

See time-to-goal, target date, and required contributions.

Emergency Fund Calculator

Estimate your cushion and monthly savings plan.

Debt Payoff Calculator

Compare Snowball vs Avalanche, get debt-free dates.

Loan & Mortgage Calculator

Monthly payment, total interest, and amortization schedule.

Rent vs Buy Calculator

Compare total cost, equity build-up, and break-even year.

Subscription Tracker

List recurring charges, see normalized monthly/yearly totals.

Spending Category Split

Enter transactions and visualize category breakdowns.

Financial Health Quiz

Score your financial health and get a personalized checklist.

Tax Bracket Estimator

Find your marginal & effective rate with a quick estimate.

Lottery Winnings Calculator

Estimate your potential lottery winnings with a simple calculator.

Want deeper insights powered by real transactions? Try the Onu app.

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