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.
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.