The Income Tracker

Free money calculators

By The Income Tracker · Updated 8 September 2026

In short

Quick, free calculators for the money questions that actually come up. No sign-up, nothing stored, and every result has a share link. Pick one below.

0% credit card payoffWhat to pay to clear it in time Credit card utilisationSee your score-friendly ratio Save £10,000 (or any goal)How long it will take Monthly surplusWhat is left after spending Loan repayment + savingsPayoff time, then your goal 50/30/20 budgetNeeds, wants and savings from your take-home pay Emergency fundYour target, and the month you reach it Spend per day until paydayWhat you can safely spend today Snowball vs avalancheWhich payoff order saves more Subscription costWhat your subscriptions cost over five years

From one-off answer to a monthly habit

A calculator gives you one number, once. The tracker gives you the same numbers every month, worked out from your real bank transactions. Import a CSV and your surplus, savings rate and goal dates update on their own.

The Income TrackerTrack it free. No account, no bank login.
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