Finance Calculator

Free Online Finance Calculator

Budget Planner · Net Worth Tracker · Break-Even Calculator

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Finance Calculator

Budget Planner · Net Worth Tracker · Break-Even Calculator

Enter your monthly income and expenses across all categories to see your surplus or deficit, savings rate, and how your budget compares to the 50/30/20 rule (needs / wants / savings).

Monthly Income

Primary Income (take-home)

Secondary / Side Income

Other Income (rental, dividends…)

Needs (Fixed & Essential)

Housing (rent/mortgage)

Utilities & Internet

Groceries & Food

Transportation

Insurance (health, auto, life)

Minimum Debt Payments

Wants (Variable / Discretionary)

Dining Out & Takeaway

Entertainment & Hobbies

Subscriptions & Streaming

Shopping & Clothing

Personal Care & Health

Other Wants

Savings & Investments

Retirement Contributions

Emergency Fund / Savings

Investing / Brokerage

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Budget Summary

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📊 Monthly Surplus / Deficit —

All spentBreak evenMax surplus

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Monthly Surplus / Deficit

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Annual Surplus

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Total Income

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Total Expenses

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Savings Rate

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Needs % (target ≤50%)

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Wants % (target ≤30%)

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Savings % (target ≥20%)

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Housing Cost Ratio

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Emergency Fund Progress

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💸 Monthly Spending Breakdown

🎯 50/30/20 Rule Comparison

🔮 Budget Scenarios

If housing was 30% of income (benchmark):—

If savings rate reached 20%:—

Surplus invested at 8% for 10 years:—

Cut discretionary spending by 20%:—

Time to 6-month emergency fund:—

Budget Insights

Net worth = Assets − Liabilities. It's the single most important financial health metric — more meaningful than income. Track it annually to measure true financial progress.

Assets (What You Own)

Cash & Savings Accounts

Checking Accounts

Investment & Brokerage

Retirement Accounts (IRA/401k)

Home / Real Estate (market value)

Vehicles (current value)

Business / Other Assets

Other Assets (jewelry, collectibles…)

Liabilities (What You Owe)

Mortgage Balance

Auto Loan Balance

Student Loan Balance

Credit Card Balances

Personal Loans

Other Debt

Your Age

yrs

Annual Gross Income

Annual Net Savings

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Net Worth Assessment

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Net Worth

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Projected Net Worth (10 yrs)

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✅ Total Assets —

❌ Total Liabilities —

Total Assets

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Total Liabilities

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Debt-to-Asset Ratio

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Age Benchmark

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Net Worth / Income

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Liquid Assets

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Financial Independence %

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FI Number (25× expenses)

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🔮 Net Worth Scenarios

If invested assets grow at 8%/yr for 10 yrs:—

If all high-interest debt paid off first:—

Years to Financial Independence (4% rule):—

Prodigious Accumulator of Wealth threshold:—

Net worth if home equity doubled:—

Net Worth Insights

Find the break-even point for a business, product, or financial decision. Enter your fixed costs, variable cost per unit, and selling price — and see exactly how many units or how much revenue covers all costs.

Cost Structure

Total Fixed Costs (monthly)

Variable Cost Per Unit

Selling Price Per Unit

Current Units Sold (monthly)

Business Tax Rate

Target Monthly Profit

Fixed Costs Breakdown (optional detail)

Rent / Office

Payroll / Salaries

Marketing & Advertising

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Break-Even Assessment

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Break-Even Units / Month

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Break-Even Revenue / Month

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📈 Revenue vs Cost Zones

Loss Zone

Break-Even

Current

Loss Zone

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Break-Even

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Profit Zone

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Current Position

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Contribution Margin

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Contribution Margin %

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Current Monthly Revenue

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Current Monthly Profit

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Profit Margin

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Safety Margin (units above BE)

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Units for Target Profit

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After-Tax Monthly Profit

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🏢 Fixed Cost Breakdown

🔮 Break-Even Scenarios

If price raised by 10%:—

If variable cost cut by 15%:—

If fixed costs rise 20% (scaling):—

Units needed to hit target profit:—

Annual profit at current volume:—

Break-Even Insights

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