Calculators Overview
BetterBudgets includes a set of financial calculators, and you can run every one of them on the Free plan. They exist for one purpose: finding out what a financial commitment does to you before you make it.
Four of them use US tax data and only appear for accounts in the United States. Everyone else sees ten. See Region matters below.
The calculators
They're grouped by topic on the Calculators tab.
Income and retirement
- ›Currency Converter: what money from another country is worth here
- ›Paycheck: your take-home after tax and deductions (US only)
- ›401K: your balance at retirement, match included (US only)
Home
- ›Mortgage: the full monthly cost of a home (US only)
- ›Rent Affordability: a rent range from your income (US only)
- ›Early Mortgage: what paying extra does to the term
Debt and loans
- ›Minimum Payments: what paying only the minimum really costs
- ›Debt Payoff: when you're debt-free, and in what order
- ›Consolidation: one balance and rate for several debts
- ›Auto Loan: a car payment with trade-in and down payment
- ›Student Loan: payment and total cost, or a faster payoff
- ›Amortization: where each payment goes, period by period
Savings
- ›Debt or Savings: where your spare money does the most good
- ›Emergency Fund: how long until you have a cushion
Add To Budget
This is what separates these from any calculator you'd find on a website.
Several calculators can push their answer straight into your Budget Builder inputs:
- ›Paycheck adds an income source
- ›Mortgage sets your housing payment
- ›Rent Affordability sets your rent, with a separate add button for each of its three ranges
- ›Auto Loan, Student Loan, Debt Payoff, Consolidation, and Amortization add debts
Tap Add To Budget at the end of the results (or the add button beside a rent range). You'll get a confirmation with a shortcut to the Builder.
So the flow isn't calculate, write the number down, retype it later. It's:
- ›Price the thing you're considering in the calculator
- ›Add To Budget
- ›Rebuild
- ›See what it did to your payoff date and your savings
That last step is the one that changes decisions. A car payment you can technically afford looks different when you can see it pushing your debt-free date out by fourteen months.
Early Mortgage, Currency Converter, Minimum Payments, Debt or Savings, Emergency Fund, and 401K don't add anything to your budget. They answer a question and leave the decision with you.
Sharing an answer
Every answer card has a share button that sends the result, with the inputs you used, as a message.
Debt Payoff and Amortization can also export their full schedule as a PDF from the share button in the top bar. That export requires a subscription. See Free vs. Thrive.
Region matters
Paycheck, 401K, Mortgage, and Rent Affordability rely on US tax tables and US account types, so they only appear when your account's country is the United States. Inside those calculators, the country is fixed to the United States and you choose a state.
The other ten work anywhere, and show amounts in your own currency.
See Region & Currency.
Where to find them
The Calculators tab in the main navigation. Tap the ⓘ in the top corner of the list for a summary of how they're grouped. Every calculator has its own ⓘ that explains its inputs and how it works out the answer.
A note on precision
These are estimates. A mortgage calculator can't know what your lender will quote you, and a paycheck calculator can't know every deduction your employer applies.
Use them to decide whether something is in the right range and to compare options against each other. They're good at both. Don't treat the output as a figure to sign against.
They're also not financial advice. The calculators work only from the numbers you give them and can't weigh your full situation. Talk to a qualified professional before a decision like a mortgage, a consolidation loan, or a payoff strategy.
They're free
Every calculator runs on both plans, with no limits. Only the PDF schedule exports need a subscription. See Free vs. Thrive.