Free Financial Tools
Free calculators from MoneyFlow. No signup, no login, no ads - just the same honest numbers the app gives you.
Each tool below runs the same math the MoneyFlow app uses internally - Safe-to-Spend, debt payoff dates, net worth, and savings targets are all things people tend to guess at instead of actually calculating, and guessing is usually where budgets go wrong. Enter your own numbers, get a straight answer, and use the app if you want it tracked automatically from then on.
Safe-to-Spend Calculator
See exactly what you can safely spend right now, after bills, debts, and goals.
Debt Payoff Calculator
See your exact debt payoff date, total interest paid, and how much extra payments would save.
Net Worth Calculator
See what you've actually built - assets from investments and savings, minus debts.
Savings Goal Calculator
See exactly how much to save each month to hit your target by your deadline.
Subscription Cost Calculator
Add up every subscription and see the real monthly, yearly, and 5-year cost.
Compound Interest Calculator
See what investing a set amount every month actually turns into over time.
Job Loss Runway Calculator
Answer a few quick questions to see where you stand after a layoff and what to focus on first.
Bill Tracker
See your total monthly bills and what's due next, so nothing catches you off guard.
These calculators are single-purpose and don't save what you enter. To track Safe-to-Spend, debt payoff, net worth, and savings goals together in one place - updated automatically as you log spending and income - the MoneyFlow app does the same math continuously, for free.