Free money calculators

Quick, private calculators for three common money questions. They run entirely in your browser: nothing you type is sent to us or stored, and you do not need an account.

Emergency fund calculator

How much to keep for emergencies, based on your essential monthly costs, and how long it takes to get there.

Debt payoff: snowball vs avalanche

Enter your debts and see your debt-free date, total interest and payoff order under both methods.

Savings goal calculator

How much to save each month to reach a goal by a certain month, including interest.

These calculators give estimates for planning. They are not financial advice.

Want to see your own numbers in one place?

Atlas Ledger connects your accounts through Plaid (read-only), builds your budget and cash-flow forecast, and lets you import history from Mint, YNAB, Monarch or Rocket Money exports. Try it free for 30 days, no card required. Plans after the trial are Plus at $9.99/month ($89.99/year) or Pro at $14.99/month ($129/year).

Start a free trial See what each plan includes