- 01
Debt payoff calculator
When will I be debt-free, and which debt should I pay first?
- You enter
- Balances, rates, minimums, extra per month
- You get
- Debt-free date and interest for snowball and avalanche, a date per debt
- 02
Emergency fund calculator
How much should I keep for emergencies, and when will I get there?
- You enter
- Essential monthly costs, months of cover, savings
- You get
- Target, gap, date reached, monthly amount for a deadline
- 03
50/30/20 calculator
How should I split my take-home pay?
- You enter
- Take-home pay and how often you are paid
- You get
- Needs, wants and savings per month, per paycheque and per year
- 04
Rent affordability calculator
How much rent fits my income?
- You enter
- Income and monthly costs, or one listing’s rent
- You get
- Rent that fits the 30% rule, checked against a 50/30/20 needs budget
- 05
Net worth calculator
What am I worth today?
- You enter
- What you own and what you owe, line by line
- You get
- Net worth, debt-to-asset ratio and liquid net worth, next to US and Canadian medians
Which calculator to start with
- 01A card or loan is charging you interest. Start with the debt payoff calculator: it shows the date you are debt-free and what an extra $50 a month changes.
- 02One surprise bill would go on a credit card. Size a buffer with the emergency fund calculator; one month of essentials is a common first milestone.
- 03You have no budget yet. The 50/30/20 calculator gives three numbers to start from in under a minute.
- 04You are about to sign a lease. Check the rent against your income with the rent affordability calculator.
- 05You want one number for your progress. The net worth calculator adds up what you own and subtracts what you owe.
How the calculators work
Each calculator uses a standard formula and lists its assumptions on its own page. The debt calculator adds a month of interest to every balance, pays each minimum and sends the rest to one target debt, month after month. The emergency fund calculator multiplies essential monthly costs by months of cover. The 50/30/20 calculator multiplies monthly take-home pay by each share. The results are planning estimates; for decisions about a specific loan, account or tax situation, ask the lender or a qualified adviser.
Keep the numbers current without redoing the maths
Finman keeps budgets, savings goals, debts and net worth in one web app, from bank files or manual entries. Free during the open beta, no card.
Get Started FreeWhere Finman fits
The calculators answer one question with today’s figures. Finman keeps those figures moving: it imports CSV, OFX and QFX bank statements or takes manual entries, sorts transactions with your rules, and holds budgets, savings goals, debts, subscriptions, investments and net worth in one place. A savings goal shows what is saved and what is left, and My plan on the AI page works out the monthly amount it needs; net worth converts every account to your base currency. Read the full list on Finman features, or start with the guides on making a budget and calculating net worth.
Frequently asked questions
Are these money calculators free?
Yes. All five are free to use, with no account, email or card.
Do you store the numbers I enter?
All five calculators run in your browser: what you type is not sent to Finman and is gone when you close the tab. To keep your figures, add them to a free Finman account.
How accurate are the results?
They use standard formulas: month-by-month interest for debts and plain multiplication for budgets and savings targets. Each page lists its assumptions, such as fixed interest rates and no new charges. Treat the results as planning estimates; they do not replace advice from a lender, accountant or credit counsellor.
Which calculator should I start with?
If a debt is charging you interest, start with the debt payoff calculator. If one surprise bill would go on a credit card, start with the emergency fund calculator. If you have no budget yet, start with the 50/30/20 calculator, then size the savings share with the other two.
Can Finman do these calculations with my real numbers?
Finman keeps budgets, savings goals, debts and net worth in one web app. A savings goal shows what is saved and what is left, and My plan on the AI page works out the monthly amount it needs; budgets warn at 80% spent; net worth adds up accounts and investments minus debts across currencies. Every feature is free during the open beta.