Numbers that actually
move the needle.
Nine free tools to plan your money — a full budget builder, the 50/30/20 rule, debt payoff, savings growth, mortgage payoff, credit card minimums, an emergency fund, a sinking-fund planner, and a paycheck splitter. Run real numbers in your browser. No account needed.
Build your whole monthly budget.
Editable categories, live math, and a one-click spreadsheet download. Assign every dollar, get to zero left to budget, then turn it into a live, bank-synced budget.
Split your paycheck, instantly.
Enter your take-home pay and see exactly how much belongs to needs, wants, and savings — plus a starter envelope breakdown for each of the three buckets.
See your debt-free date. Today.
Enter your balances, APRs, and extra monthly payment. Compare snowball vs. avalanche to see your exact debt-free date and how much interest each strategy saves.
Turn small deposits into big numbers.
Enter a starting balance, monthly contribution, and expected return. See compound growth year by year — including the crossover point where interest does more work than your deposits.
How big should your safety net be?
Enter your essential monthly expenses and risk profile. See your 3, 6, and 12-month targets — plus the exact monthly amount to set aside to get there.
Save for every expense, on time.
Add each known expense with a target and a deadline. See the monthly contribution per goal — and the total to set aside every month.
Split every paycheck into envelopes.
Enter your take-home pay and frequency, then your monthly envelopes. See exactly how much to set aside from each paycheck.
What happens if you pay extra?
Enter your balance, rate, and an extra monthly amount. See exactly how many years come off your mortgage and how much total interest you save.
Why minimum payments are a trap.
Enter your balance and APR. See the stark difference between minimum-only payments and a fixed monthly amount — measured in years and total interest paid.
These connect to your actual budget.
Most financial calculators are islands. You type in a number, get an answer, and three months later you can't remember what you entered or whether anything changed.
The LazeeFish debt payoff and savings calculators are embedded inside the full app. Connect your bank via Plaid bank sync and your real balances populate automatically. Your debt payoff projection updates every month as you actually pay things down — not based on the balance you typed in on a Tuesday in January.
The standalone calculators on this page work without an account. The connected versions require a LazeeFish account (start with a 30-day free trial, no card) — which takes about five minutes to set up.
Get started free →Snowball or avalanche — which wins?
Both strategies work. The right one depends on whether you optimize for motivation or minimum interest. The debt payoff calculator lets you run both scenarios so you can see the exact trade-off in your numbers.
Smallest balance first.
Pay minimums on everything. Put every extra dollar toward the debt with the lowest balance. When it's gone, roll that payment to the next smallest. The wins come fast — which matters, because motivation is often the variable that determines whether you actually finish.
Best when: you have several small debts draining your mental bandwidth.
Highest APR first.
Pay minimums on everything. Direct all extra payments to the debt with the highest interest rate. You pay less total interest over the life of your payoff. The math always favors avalanche — but the largest balance and highest rate don't always match, so early progress can feel slow.
Best when: your high-APR debt also has a large balance and you trust the long game.
The honest answer: the best method is the one you actually stick with. The calculator shows the interest difference between the two. If the gap is small, choose the approach that feels more motivating. If the gap is large, the math is telling you something worth listening to.
Compare both strategies →Calculator questions.
Are the calculators free?
Yes — $5/month. No paywall, 30-day free trial, no card to start. Run the numbers as many times as you like. The debt payoff, savings growth, and mortgage payoff calculators are all available without creating an account.
Do I need an account to use the calculators?
No account needed. The calculators run entirely in your browser. Inputs are never stored or sent to a server. If you want to track real progress — with bank-synced balances that update automatically — you can Start your free trial and connect your accounts in a few minutes.
What is the difference between snowball and avalanche?
Snowball pays off debts from smallest balance to largest — you get fast early wins that build momentum. Avalanche pays from highest APR to lowest, which minimizes total interest paid. The debt payoff calculator lets you compare both side by side so you can see the exact trade-off in real dollars for your specific debts.
How accurate are the projections?
The calculators use standard financial formulas — compound interest, amortization schedules, and minimum-payment calculations — that produce accurate projections given the inputs you provide. Real results will vary if interest rates change, you miss a payment, or contributions fluctuate. The calculators assume fixed inputs throughout the projection period, so treat the output as a planning baseline rather than a guarantee.
Can I save my results?
The standalone calculators don't save results between sessions. If you want projections that stay accurate over time, Start your free trial. Bank sync pulls in your actual balances, so your debt payoff and savings projections reflect where you actually are — not the number you typed in months ago.
Ready to go beyond
the calculator?
Connect your bank, build an envelope budget, and watch your real numbers move toward the projections you just ran. 30-day free trial, no card to start.