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For household budgets and debt
Budgets, debt payoff, subscriptions and weddings: free calculators, real-number guides and tested planners.
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Tested spreadsheets
Monthly Budget Planner (50/30/20)
Your own split, up to 30 categories, month and year views, budget vs actual with overspending flagged, and your real savings rate.
✓ 0 formula errors · every month, bucket and category checked independently$9
Debt Payoff Planner: Snowball vs Avalanche
Up to 15 debts: debt-free date and total interest for both methods, with the minimum rollover done right.
✓ 45,556 formulas · 0 errors · matches an independent month-by-month simulation$9Guidesworked examples
- What subscriptions really cost per year: weekly vs monthly vs quarterly vs annual plans
A $79.96 weekly meal kit is $4,157.92 a year; a $29.97 quarterly plan and a $9.99 monthly plan both cost $119.88. How to compare billing cycles, and why weekly plans are the ones to check first.
- Wedding cost per guest at 50, 80, 110, 150 and 200 guests: why bigger costs more but less per head
With the same vendors, 200 guests cost $38,200 in total but $191 each; 50 guests cost $24,025 but $480.50 each. Fixed costs, per-guest costs, and how the guest count moves both.
- The 50/30/20 rule on a real $5,200 budget: where it holds and where it breaks
One household's September on $5,200 take-home: needs came to 55%, wants 16%, savings 17%, plus $580 left over. What the 50/30/20 rule gets right, where rent breaks it, and how to measure your real savings rate.
- How long to pay off a credit card: table by balance, APR and monthly payment
Months to pay off $2,000, $5,000 and $10,000 at 18%, 24% and 29% APR with fixed payments of $100 to $500, and the total interest each way. Paying $200 instead of $100 can halve the time.
- Debt snowball vs avalanche with real numbers: 5 debts, $25,450, month by month
The same five debts paid off both ways. The avalanche saves $470.73 and one month; the snowball clears three debts much sooner. Which debt goes when, and when the choice matters.
- A $30,000 wedding for 110 guests: the budget breakdown, per-guest costs and payment timeline
How a $30,000 budget splits across venue, catering and 12 other categories for 110 guests, why per-guest costs decide the total, and why the final month is the expensive one.