Is this budget calculator really free?

Yes. There is no sign-up and nothing to install. Optional paid spreadsheets are linked if you want more detail.

Is my data saved or shared?

Your numbers are stored only in your own browser's local storage so you can return later. Nothing is sent to a server.

Spend about 50% of take-home pay on needs, 30% on wants and 20% on savings and extra debt payments.

Monthly income input accepts take-home pay, side income and other income.
50/30/20 split view compares your spending against the 50/30/20 rule.
Debt payoff estimate projects a debt-free date from balance, APR and payments.
Savings goal timeline calculates how long it takes to reach a savings target.
Print my summary generates a one-page sheet with space to write three money goals for 2027.
No sign-up is needed, and numbers are stored only in the browser's local storage.

The calculator is free to use. Optional paid spreadsheets are linked if you want more detail.

Runs in any web browser with nothing to install.
Nothing is sent to a server; data stays in local storage so you can return later.

Is this budget calculator really free?: Yes. There is no sign-up and nothing to install. Optional paid spreadsheets are linked if you want more detail.
Is my data saved or shared?: Your numbers are stored only in your own browser's local storage so you can return later. Nothing is sent to a server.
What is the 50/30/20 rule?: Spend about 50% of take-home pay on needs, 30% on wants and 20% on savings and extra debt payments.

Free, no sign-up, nothing tracked.

Your numbers are saved only in this browser.