Budgeting and savings calculators for the US
Plan a budget, and see how regular saving and compound interest grow your money.
- 7 free calculators
- Updated for 2026
- Official figures, no sign-up
Calculators
- Compound Interest See what regular saving and compound interest add up to over time.
- Inflation What money from any year is worth today, from official price data.
- Savings Interest Interest on a savings account or CD, and what’s left after tax.
- Budget Split your take-home pay with the 50/30/20 rule, and see where your money goes.
- Savings Goal How much to save each month to reach a goal, or how long it will take.
- 529 College Savings What college will cost when your child starts, and how much to save each month.
- Net Worth Add up what you own and what you owe, and see what you’re worth.
Guides
All US guides- Money basics US banking basics: checking, savings and FDIC insurance How checking and savings accounts work, what to look for in a bank, how FDIC insurance protects your money and how to avoid fees, in plain English. Read the guide
- Investing Capital gains tax explained: rates, losses and your home How capital gains are taxed in the US: short and long-term rates, the 2026 brackets, the 3.8% net investment income tax, losses, and selling your home. Read the guide
- Money basics Emergency fund: how much you need and where to keep it Why an emergency fund comes before almost everything else, how to work out yours, where to keep it and how to build it from nothing. Read the guide
- Investing Index funds vs picking stocks in the US: why go passive What an index fund is, why most fund managers fail to beat one, how much fees cost you over time, and how to start investing in the US. Read the guide
- Money basics How to make a budget in the US (the 50/30/20 rule) A simple way to budget. Start from your take-home pay, see where it goes, split it into needs, wants and savings with the 50/30/20 rule, and automate it. Read the guide
- Investing Investing basics: how to start with index funds What investing is, how stocks, bonds and index funds work, which accounts to use first (401(k), IRA, brokerage) and how to start with a small amount. Read the guide