Money Flows To Me Store

Money Tools

Free, browser-based planning tools. Your entries are calculated on your device and are not saved by these calculators.

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Saving

Savings Goal Calculator

Calculate the monthly amount needed to reach a savings target.

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Budgeting

Monthly Budget Calculator

Add income and common expenses to estimate what remains each month.

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Debt

Debt Payoff Calculator

Estimate a payoff timeline from balance, interest rate, and monthly payment.

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Saving

Emergency Fund Calculator

Estimate a target cash cushion from essential expenses and months of coverage.

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Planning

Net Worth Calculator

Subtract debts from assets to get a simple snapshot of your net worth.

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Budgeting

50/30/20 Budget Calculator

Compare take-home income with a simple needs, wants, and savings guideline.

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Saving

Savings Rate Calculator

Calculate what percentage of your take-home income is going to savings.

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Income

Paycheck Budget Calculator

Split a paycheck across bills, goals, spending, and the next pay period.

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Debt

Debt Snowball Planner

Sort debts from smallest to largest and estimate your starting snowball.

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Budgeting

Monthly Bill Calendar

Organize bill names, amounts and due dates and total your recurring monthly bills.

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Saving

Compound Interest Calculator

Estimate how savings may grow with a starting balance, contributions, time and rate.

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Planning

Retirement Savings Calculator

Estimate a future retirement balance from current savings and monthly contributions.

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Debt

Debt-to-Income Calculator

Compare monthly debt payments with gross monthly income for a simple DTI estimate.

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Planning

Home Affordability Estimator

Estimate a conservative home-price range from income, debts, down payment and rate.

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Planning

Mortgage Payment Calculator

Estimate principal and interest from price, down payment, rate and term.

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Debt

Auto Loan Calculator

Estimate a monthly vehicle payment from price, down payment, trade-in, rate and term.

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Debt

Credit Card Payoff Calculator

Estimate payoff time and interest from a balance, APR and monthly payment.

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Planning

Simple Interest Calculator

Calculate simple interest from principal, annual rate and time.

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Saving

Savings Goal Timeline

Estimate how many months it may take to reach a goal at your current saving pace.

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Planning

Inflation Calculator

Estimate the future cost of todayโ€™s amount using an assumed annual inflation rate.

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Saving

Rule of 72 Calculator

Estimate how long money may take to double at a constant annual return.

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Debt

Loan Payment Calculator

Estimate a fixed monthly payment for a general amortizing loan.

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Important: These tools provide educational planning estimates, not personalized financial advice.