Free Budget Calculators
Instant results. No signup. No ads. Just math that helps you budget better.
50/30/20 Budget Calculator
The 50/30/20 rule divides your after-tax income: 50% needs, 30% wants, 20% savings & debt.
Enter your net (after-tax) monthly income.
Track your actual spending against this plan
Pocket Clear lets you log expenses by category (needs, wants, savings) — no bank linking required. See exactly how you compare to your 50/30/20 targets.
How the 50/30/20 Rule Works
A simple framework popularized by Senator Elizabeth Warren in her book "All Your Worth".
| Category | % | What it includes |
|---|---|---|
| 🏠 Needs | 50% | Rent, groceries, utilities, insurance, minimum debt payments |
| 🎬 Wants | 30% | Dining out, streaming, hobbies, travel, shopping |
| 💰 Savings & Debt | 20% | Emergency fund, retirement, extra debt payments, investments |
Savings Goal Calculator
How long will it take to reach your savings target?
HYSA rates are ~4-5% in 2026.
Track your savings progress in Pocket Clear
Log every expense and watch your savings rate climb. Set category budgets and get notified when you're overspending.
Debt Payoff Calculator
How long until your debt is gone — and how much interest will you pay?
Average credit card APR is ~21% in 2026.
Must be greater than the minimum interest accrued each month.
Track spending to free up money for debt payments
Every dollar you find in your budget is a dollar toward becoming debt-free. Pocket Clear helps you see exactly where your money goes.
Emergency Fund Calculator
How big should your emergency fund be — and how long to build it?
Rent, food, utilities, insurance, transport.
Build your emergency fund faster by cutting unnecessary spending
Pocket Clear shows you exactly where your money leaks so you can redirect it to your emergency fund — faster.