Free tools

Calculators and guides for budgeting by paycheck. They are free, they run in your browser, and none of them needs an account.

Calculators

Paid every two weeks or every week? Enter any payday and see which months bring an extra paycheck.

How much of each check to set aside so every rent is there on time, and how much rent your pay supports.

What a little more from each paycheck does to a loan or a credit card: the month it is paid off and the interest saved.

Enter a paycheck and see what needs, wants and savings come to, per check and per month.

The real engine, running in your browser. Type in a paycheck and a few bills and watch the next check split. No account needed.

Saving for a bill a paycheck at a time: how to work it out by hand, where it gets hard, and how Atom Budget keeps one for every bill.

How the envelope method works, where it gets tedious, and how Atom Budget differs. Step through a demo one payday at a time.

What Atom Budget does that Mint did, what it does differently, and what it leaves out. Compare a month by month and by paycheck.

What YNAB asks of you, what Atom Budget does differently, and what it leaves out. Try assigning a paycheck by hand.