Free personal finance toolkit
Take Control of Your Money.
Free calculators, budget planners, and expense trackers to help you make smarter financial decisions.
No signup. No complicated setup. Just simple tools that work.
Popular calculators
View all calculatorsBudget
Budget Calculator
See your monthly cash flow at a glance: total income, total expenses, remaining balance, savings rate, and a category-by-category breakdown.
Budget
Monthly Budget Calculator
Plan a monthly budget with custom categories, then track actual spending against each one. See your planned surplus, over/under status, and variance.
Budget
Weekly Budget Calculator
Plan your weekly cash flow: weekly spending, weekly remaining budget, and the true monthly equivalent (× 52 ÷ 12) so weekly and monthly views stay consistent.
Budget
50/30/20 Budget Calculator
Split your after-tax income with the 50/30/20 rule: dollar amounts for needs, wants, and savings — with adjustable percentages if the classic split doesn’t fit.
Budget
Household Budget Calculator
Combine every income source and compare against shared expenses — housing, food, childcare, and more — to see the household’s monthly surplus or deficit.
Income
Hourly to Salary Calculator
Convert an hourly wage into weekly, biweekly, semimonthly, monthly, and annual pay — with the 26-vs-24 pay period difference explained.
Every calculator runs in your browser and explains its own formula, assumptions, and worked example.
Explore by category
All calculatorsBudget
Plan your monthly income and expenses and see where every dollar goes.
Income
Convert pay between hourly, weekly, monthly, and annual amounts.
Expenses
Understand your spending patterns and convert between time periods.
Savings
Set goals, build emergency funds, and project compound growth.
Debt
Estimate payoff timelines, interest costs, and loan payments.
Track every dollar — privately, in your browser
Record income and expenses, organize them with custom categories, and follow your monthly trends — with a dashboard, reports, and CSV/JSON export. Your records are stored only on your device and never sent to a server.
Open the expense tracker- Income & expense tracking with categories
- Dashboard with savings rate and trends
- CSV export and JSON backup
- Works offline — data stays with you
Free financial templates
Prefer spreadsheets? Download ready-to-use budget, expense, and debt-payoff templates for Excel and Google Sheets — with working formulas included.
Browse templatesFinancial guides
Plain-English walkthroughs of budgeting basics: the 50/30/20 rule, emergency funds, paying off credit cards, and how much to save.
Read the guides- How to Create a Monthly Budget
- The 50/30/20 Budget Rule
- How to Track Expenses
- Emergency Fund Guide
Why Abacvia
No signup required
Every tool works instantly in your browser. No accounts, no email, no onboarding.
Your data stays local
Financial records you enter are stored in your own browser — never uploaded to a server.
Tested formulas
Every calculation is documented and covered by automated tests, with assumptions stated openly.
Learn as you go
Each tool explains its formula, worked examples, and the assumptions behind the numbers.
Frequently asked questions
Is Abacvia really free?
Yes. Every calculator and tool on this site is free to use, with no account required. The site is supported by advertising.
Where is my financial data stored?
In your own browser. The expense tracker and calculator inputs stay on your device — records are never uploaded to our servers or sold to anyone.
Are the results financial advice?
No. All tools provide educational estimates to help you understand the math behind common financial decisions. They are not professional financial, tax, or legal advice.
How accurate are the calculators?
Each calculator documents its formula and assumptions on its page, and the math is verified with automated tests. Real-world results can differ — for example, your bank may calculate interest differently.