Free Money Tools
Simple tools to plan your budget, reach a savings goal, and see how money grows over time. Free to use, no sign-up.
Budget spreadsheet (Excel)
Plan your month, record what you spend, and compare the plan with what really happened. The file also tracks your savings goal and emergency reserve.
Goal calculator
Enter the cost of your goal, what you have saved, and your deadline. The calculator shows how much to set aside each month.
Compound interest calculator
See how regular savings can grow over the years, and how much of the result comes from interest.
These tools are for educational purposes only and are not financial advice. Calculator results are estimates. Never enter account numbers or passwords.