Tools & Guides
Free Calculators & Checklists
Four simple tools. Everything runs in your browser — numbers you type are never sent to PennyGuide. Results are estimates based on what you enter and the assumptions listed with each tool.
Monthly Budget Calculator
Enter your monthly take-home income and what you typically spend in each category. Leave anything that doesn’t apply blank.
Your results will appear here after you enter your income and at least one expense.
Assumptions: monthly amounts only; uses the numbers exactly as entered. Related guide: How to Create a Monthly Budget That Actually Works.
Savings Goal Calculator
See roughly how long a goal may take at the amount you can set aside each month.
Enter a goal and a monthly amount to see an estimate.
Assumptions: the same contribution every month, no interest earned, no withdrawals, and no fees. Interest on a savings account would shorten the timeline slightly. Related guide: Setting Savings Goals You Can Actually Reach.
Debt Payoff Calculator
Estimate how long it may take to pay off one balance with a fixed monthly payment, and how much interest that could cost.
Enter a balance, rate and payment to see an estimate.
Assumptions: interest compounds monthly at APR ÷ 12; the payment and rate stay the same; no new charges, fees or penalties. Your lender’s exact calculation may differ. This is an educational estimate, not an offer or advice. Related guide: A Beginner’s Guide to Managing Debt.
Bill Savings Checklist
Tick what you’ve reviewed and jot notes. Your checklist saves only in this browser on this device — no account, nothing sent to us.
Guides by topic
Every PennyGuide guide
Everyday Savings
- Holiday Savings Checklist: Celebrate Without the January Regret
- Understanding Affordable Insurance Options: A Plain-English Primer
- Taming Monthly Subscriptions Before They Add Up
- How to Review Your Mobile Phone Plan in 20 Minutes
- Saving on Groceries Without Clipping Every Coupon
- How to Lower Your Utility Bills, Season by Season
- 10 Everyday Expenses You May Be Able to Reduce
Financial Resource Education
- Low-Cost Health Coverage: Medicaid, CHIP, and the Marketplace
- Tax Credits Worth Knowing: EITC, the Child Tax Credit, and Free Filing
- Help With Energy Bills: Understanding LIHEAP and Weatherization
- Food Assistance Programs: How SNAP, WIC, and School Meals Work
- Housing Stability Resources: Where to Start When Rent Is a Struggle
- How to Search for Unclaimed Property in Your State
- Job Training and Education Support: Where to Look