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Seven small tools for household numbers: a sinking fund planner, an emergency fund target, a zakat calculator, a debt snowball vs avalanche comparison, a couples bill split, a 50/30/20 budget split, and a FIRE-number sketch. No account, no bank connection, and the figures stay on this page. They are educational calculators, not financial advice.
Savings
Add each cost you can see coming: a yearly insurance premium, car repairs, gifts, school fees. Enter the target, what you have saved, and the months left. See the monthly and per-paycheck amount for every fund and in total. No interest assumed.
Open the sinking fund calculatorSafety net
Add the essential bills you would still pay if your income stopped, pick 3, 6, 9, or 12 months of cover, and see your target, the gap, and the time to each milestone at your monthly saving amount.
Open the emergency fund calculatorZakat
Value gold by grams and karat and silver by purity, add cash, investments, business stock, and money owed to you, and deduct what is due now. Choose the gold or silver nisab and see your zakat at 2.5%, with a worked example.
Open the zakat calculatorDebt
Enter each debt's name, balance, APR, and minimum payment, plus any extra you can pay. Compare a snowball (smallest balance first) with an avalanche (highest rate first). See the debt-free date, total interest, the interest saved, and the payoff order.
Open the debt calculatorFIRE
Enter annual spending, a withdrawal rate, your current portfolio, a monthly contribution, and an assumed return. See a FIRE number, the gap, an illustrative time to get there, and a growth curve you can download as CSV.
Open the FIRE calculatorBudget
Split monthly after-tax income into needs, wants, and savings — 50/30/20, or your own percentages. Add actual spending if you have it, compare plan versus actual, and download a CSV.
Open the budget calculatorCouples
Split shared costs 50/50, by income, or by your own percentage. Compare all three, see what each partner keeps, and work out who owes whom this month.
Open the bill split calculatorThe Budget & Net Worth Tracker keeps a monthly budget, a net-worth trend, savings goals, and a FIRE sheet in a file that stays on your computer. English first, German included. Launch price $7, regular price $14. Or start with the free Life Admin Starter.
Get the tracker for $7 on Gumroad