Free tools
MoneyPlan
The budgeting and debt tools people pay $80–$200 a year for, free. Everything you enter stays in this browser; we never see it.
Plan your money
Zero-based budget Free
Give every dollar a job; see what's left to spend.
Subscription finder Free
Find recurring charges in your bank statement file.
Net worth Free
Everything you own minus everything you owe.
50/30/20 split
A quick starting budget from take-home pay.
Emergency fund
Your target and how long it takes.
Credit cards & debt
Credit card payoff Free
The true cost of minimum payments.
Balance transfer Free
Is a 0% card worth the fee?
Debt payoff plan
Snowball vs avalanche.
Home
How much house? Free
Price your income supports (28/36).
Mortgage + extra payments
Payment, payoff table, time and interest saved.
Refinance Free
Break-even on closing costs.
Work & taxes
Crypto tax calculator Free
Tax on a crypto gain at 2026 rates.
Mileage log Free
Track trips at the IRS rate; export CSV.
What MoneyPlan does not do
We do not link to your bank, move money, cancel subscriptions for you, or give personal advice. Linking banks would mean holding sensitive data; instead you import a statement file that never leaves your browser.