Tools
Free Budgeting Tools
Start with the free calculator (no account needed), then let the app do the ongoing work: tracking subscriptions, categorizing expenses, and mapping your money milestones automatically.
Use right now, no account needed
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Calculator
50/30/20 Budget Calculator
Enter your monthly after-tax income and see your 50% needs, 30% wants, 20% savings split instantly, or adjust the ratios to fit your real fixed costs. Free, interactive, works in any browser.
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Calculator
Debt Payoff Calculator
Enter your debts, pick snowball or avalanche, and see your debt-free date, total interest, and exactly how much the two methods differ for your numbers. Free, interactive, no sign-up.
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Calculator
Net Worth Calculator
What you own minus what you owe, in one minute, with an honest guide to what counts as an asset and why the trend matters more than the total.
Automated tools inside the app
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Recurring charges
Subscription Tracker
Reads your transactions, surfaces every recurring charge, including the ones you forgot, and shows what each costs per year.
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Spending
Automated Expense Tracker
Every transaction categorized for you, no manual entry, so you can see where the money actually goes each month.
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Milestones
Financial Timeline
Money milestones laid out by age: see where you stand today and what the next milestone on your timeline looks like.
The calculator gives you targets. The app tracks them.
A 50/30/20 split is a starting point; the useful part is knowing whether your real spending matches it. Connect your accounts to SimpleFinances, read-only through Plaid, and see your actual needs, wants, and savings, updated as you spend.
Read-only access means SimpleFinances can see your transactions but can never move your money.
More from SimpleFinances: six practical money guides written from real transaction data, and honest comparisons with Mint, YNAB, and Rocket Money.