Calculators Overview

BetterBudgets includes nine calculators, all available on the Free plan. They exist for one purpose: finding out what a financial commitment does to you before you make it.

The nine

Income

• ›Paycheck Calculator — take-home pay from hourly or salary income

Housing

• ›Mortgage Calculator — full payment estimate including insurance
• ›Early Mortgage Payoff — paying down a mortgage you already have
• ›Rent Affordability — a comfortable rent range for your income

Borrowing

• ›Auto Loan Calculator — car payments, trade-ins, and negative equity
• ›Student Loan Calculator — cost and payoff, simple or repayment-based
• ›Amortization Schedule — payment-by-payment breakdown of any loan

Getting out of debt

• ›Debt Payoff Calculator — avalanche vs snowball, with extra payments
• ›Debt Consolidation — whether combining debts actually helps

Add To Budget

This is what separates these from any calculator you'd find on a website.

Several calculators — Auto Loan, Student Loan, Debt Payoff, Consolidation, and Amortization — have an Add To Budget button on their results. Tapping it pushes the result straight into your Budget Builder inputs, and you'll get a confirmation with a Go To Budget shortcut.

So the flow isn't calculate, write the number down, retype it later. It's:

1. ›Price the thing you're considering in the calculator
2. ›Add To Budget
3. ›Rebuild
4. ›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.

Region matters

The Paycheck, Mortgage, and Rent Affordability calculators ask for your country — and in some countries a state or region — because they use local tax and housing figures.

Thirty-six countries are supported. If yours isn't listed, those three calculators won't produce meaningful results for you; the loan calculators still will, since interest arithmetic doesn't change by jurisdiction.

See Region & Currency.

Where to find them

The Calculators tab in the main navigation. There's also a short guided introduction reachable from Explore Calculators — see The Guided Walkthrough.

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 — both of which they're good at. Don't treat the output as a figure to sign against.

They're free

All nine, on both plans, with no limits. See Free vs. Thrive.