Free Tools
Free Financial Calculators
Instant answers to your most important money questions. No sign-up. No ads. Just the numbers you need.
Debt Payoff Calculator
Find out exactly how long it will take to pay off any debt, how much interest you'll pay, and when you'll be debt-free.
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Emergency Fund Calculator
Calculate how large your emergency fund should be based on your monthly expenses and how quickly you can build it.
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Budget Calculator (50/30/20)
Enter your income and instantly see how to split it into needs, wants, and savings using the proven 50/30/20 rule.
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Savings Goal Calculator
How long will it take to save for a vacation, down payment, or any goal? See your timeline with and without compound interest.
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Credit Card Payoff Calculator
See the true cost of credit card debt and how much you save by paying more than the minimum each month.
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Put These Numbers Into Action
PenniesTrack gives you the tools to track expenses, stick to your budget, pay off debt, and hit your savings goals — completely free.
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