MoneyCalc
6 free calculators

Free Budgeting Calculators 2026

Build a better budget with net income, net worth, 50/30/20, inflation, ROI, and investment growth tools.

Browse CalculatorsHow to Use

All Budgeting Calculators

6 calculators

Net Income Calculator
Popular

Calculate your estimated take-home pay after taxes, FICA, and pre/post-tax deductions.

  • Federal and state tax estimates
  • FICA (Social Security + Medicare)
  • Pre-tax deductions (401k, HSA)
  • Per-paycheck and annual breakdown
$5,200/mo netUse Calculator
Net Worth Calculator
Popular

Calculate your net worth by entering assets and liabilities with a visual assets vs. liabilities chart.

  • Asset and liability categories
  • Net worth calculation
  • Assets vs. liabilities bar chart
  • Detailed breakdown by type
$150,000 net worthUse Calculator
Budget Planner (50/30/20)
Popular

Plan your monthly budget using the 50/30/20 rule with color-coded targets vs. actuals.

  • 50/30/20 target calculations
  • Actual vs. target comparison
  • Green/yellow/red status indicators
  • Category-level tracking
On track: 2/3 categoriesUse Calculator
Inflation Calculator

See how inflation erodes purchasing power with a year-by-year table from any start year.

  • Inflation-adjusted value
  • Purchasing power loss
  • Year-by-year table
  • Custom inflation rate
$134.39 in 10 yearsUse Calculator
ROI Calculator

Calculate return on investment, annualized ROI, and profit/loss for any investment.

  • ROI percentage
  • Annualized ROI
  • Profit/loss amount
  • Duration-based analysis
ROI: 50%Use Calculator
Investment Growth Calculator
Popular

Project your investment portfolio growth with monthly contributions and a stacked area chart.

  • Initial investment + monthly contributions
  • Nominal and inflation-adjusted balance
  • Stacked area chart: contributions vs. grows
  • Total returns breakdown
$284,000 in 20 yearsUse Calculator

Budgeting Guides

The 50/30/20 Budget Rule Explained

Allocate 50% of take-home pay to needs, 30% to wants, and 20% to savings and debt repayment. A simple but powerful framework for financial health.

4 min read

How to Calculate Your Net Worth

Net worth = total assets - total liabilities. Tracking it regularly is one of the best indicators of long-term financial health.

4 min read

Understanding the Real Return on Investment

ROI tells you how your investment performed, but annualized ROI accounts for time — essential for comparing investments of different durations.

4 min read

How Inflation Erodes Purchasing Power

At 3% annual inflation, $100 today is worth only $74 in 10 years. Learn how to inflation-adjust financial projections for realistic planning.

4 min read

Compare Budgeting Calculators

NameBest ForComplexityKey Feature
Net IncomeSeeing your real take-home payModerateTax + deduction breakdown
Budget PlannerMonthly spending target vs. actualSimple50/30/20 color indicators
Investment GrowthLong-term portfolio projectionModerateStacked area chart
Net WorthTotal financial pictureSimpleAssets vs. liabilities chart

Frequently Asked Questions

Built on trust

Why Use MoneyCalc?

Trusted by over 1M+ users

No Account Required

MoneyCalc calculators run entirely in your browser. We never store your financial data.

100% Free

All calculators are completely free to use. No subscriptions, no hidden fees, no paywalls.

Accurate Formulas

Every calculator uses industry-standard financial formulas with transparent methodology.

Works on Any Device

Optimized for mobile, tablet, and desktop. Calculate on the go from any browser.

Related Categories

Savings

Grow your money with compound interest, savings goal, CD, and emergency fund calculators.

Debt Tools

Tackle debt faster with snowball, avalanche, consolidation, and payoff calculators.

Retirement

Plan your retirement with 401(k), IRA, nest egg, annuity, and RMD calculators.