Free calculators
See where your money goes — then make a plan.
Free calculators for debt payoff, paycheck budgeting, and cash flow. Full Excel and Google Sheets templates are paid — or grab the bundle.
“I finally saw leftover after bills, not after a monthly guess.” Maya R. — Paycheck Budget
Left after bills
$804.00
This bi-weekly paycheck
Left after the plan
$199.00
Bills + categories
Debt-free
September 2031
Snowball · $200 extra · $4,591 interest
Three tools. No account.
Use them in the browser, free. The full Excel and Google Sheets templates are paid.
Debt Payoff
Debt Payoff Calculator
Snowball or Avalanche. See your debt-free date, interest, and a month-by-month plan.
Open free calculator →
Paycheck Budget
Paycheck Budget Calculator
Plan one paycheck at a time. Bills, categories, and what’s left before you spend it.
Open free calculator →
Cash Flow
Cash Flow Forecast
Project 3, 6, or 12 months ahead and catch the months that would go negative.
Open free calculator →
How it works
01
Enter a few numbers
Sample data is already filled in. Swap it for yours — or just poke around.
02
See the plan
Dates, leftover, and the months that would go red. Built to read in a glance.
03
Keep going
Email the snapshot (optional), buy the spreadsheet if you want the file, or unlock Pro in the browser.
Reviews
What people say after they run the numbers.
Specific leftover. A debt-free date they can live with. A red month they still had time to fix.
“I finally saw leftover after bills, not after a monthly guess. $199 isn’t a lot — but it’s a number I can actually keep.”
“Snowball vs Avalanche on the same debts. I picked the date I could live with, then bought the spreadsheet so I could log the extra $200.”
“The cash flow chart showed a red month I would have walked into. I moved a client invoice up two weeks. That was the whole product, for me.”
Want the version you keep using every month?
Same math as the calculators. Logs, due dates, and the tabs a one-screen tool can’t hold. $14 each, or all three for $29.
Debt Payoff Tracker & Schedule
Snowball or Avalanche for up to eight debts, a 120-month schedule, payment log, and a side-by-side comparison.
Paycheck Budget + Bill Tracker
Budget by paycheck. Recurring bills, category actuals, a transaction log, and leftover after bills and after the plan.
Cash Flow Forecast Spreadsheet
Monthly running balance, one-time hits, and a 12-month chart. The keep-using version of the free forecast.
Harbor Pro — $19 once
Save named plans, export reports, compare Snowball vs Avalanche. Still no subscription.