Tools
Budgeting calculators, checklists and decision guides
Everything here works on the page with no sign-up, uses only the numbers you type, and sends nothing anywhere. The calculators give you a number to plan from, the checklists keep your place and print cleanly, and the guides help with the two choices people get stuck on. All of it is general information, not financial advice.
Calculators
Irregular Income Baseline Calculator (Lowest Months Rule)Type your recent monthly take-home income to get a baseline to budget from: your lowest month or the average of your lowest few, with the rule stated.
Sinking Fund Calculator (Monthly Set-Aside per Fund)Enter the yearly or occasional costs you know are coming and what you have saved, and see the monthly amount to set aside for each fund and in total.
Tickable checklists
Household Budget Setup Checklist (Tickable and Printable)A tickable, printable worksheet for setting up a monthly household plan: income, fixed costs, flexible costs, goals and a buffer, in the order that works.
Monthly Budget Reset Checklist (Tickable and Printable)A tickable, printable checklist to close one month and start the next: review spending, fix categories, match bills to pay dates and move money.