# Budget44

> Budget44 is a free budget and expense tracker app for iOS and Android: transactions, accounts, monthly budgets, recurring bills and saving goals, stored on your phone. This site has free budgeting calculators and money guides.

Get the Budget44 app: [App Store](https://apps.apple.com/app/id6766147588?pt=120576754&ct=budget44.llms&mt=8) · [Google Play](https://play.google.com/store/apps/details?id=com.ehmtech.budget&referrer=utm_source%3Dbudget44.llms)

Every page on this site has a Markdown copy: replace the trailing slash in its URL with .md (the homepage is /index.md).

## Tools

- [50/30/20 Budget Calculator](https://budget44.com/tools/50-30-20-budget-calculator/): Split your monthly take-home pay into needs, wants and savings, compare the targets against what you actually spend, and try 70/20/10 or a custom split.
- [Bill Split Calculator](https://budget44.com/tools/bill-split-calculator/): Split rent, utilities and shared bills between roommates or partners: equally, by income share, or by custom percentages, down to the exact cent.
- [Biweekly Paycheck Budget Calculator](https://budget44.com/tools/biweekly-paycheck-budget-calculator/): Map every bill to the paycheck that pays it. Enter take-home pay, payday and due dates for leftover per check, short checks and 3-paycheck months.
- [Budget vs Actual Calculator](https://budget44.com/tools/budget-vs-actual-variance-calculator/): Compare what you budgeted with what you actually spent, category by category. See the variance in dollars and percent, and your three worst overspends.
- [Cash Flow Forecast Calculator](https://budget44.com/tools/cash-flow-forecast-calculator/): Forecast your bank balance day by day to payday. Enter income, bills and daily spend to see your lowest balance, any shortfall date and safe-to-spend.
- [Commuting Cost Calculator](https://budget44.com/tools/commuting-cost-calculator/): Work out what your commute costs per day, month and year by car or transit, what one more remote day would save, and how many hours a year it takes.
- [Compound Interest Savings Calculator](https://budget44.com/tools/compound-interest-savings-calculator/): See what your savings grow to with compound interest. Enter a starting balance, monthly deposit, rate and term, and see what an extra $50 a month buys.
- [Cost Per Use Calculator](https://budget44.com/tools/cost-per-use-calculator/): See what a purchase or membership really costs each time you use it, the break-even uses against paying per use, and what it adds up to a year.
- [Credit Card Payoff Calculator](https://budget44.com/tools/credit-card-payoff-calculator/): See how long your credit card takes to pay off, the interest it costs, what extra payments save, and the payment needed to clear it in 12, 24 or 36 months.
- [Daily Spending Allowance Calculator](https://budget44.com/tools/daily-spending-allowance-calculator/): Work out how much you can safely spend each day until payday. Enter your balance, next payday, bills still due and what you keep back for savings.
- [Debt-to-Income Ratio Calculator](https://budget44.com/tools/debt-to-income-ratio-calculator/): Work out your front-end and back-end debt-to-income ratio, check it against the 28/36 rule, and see the payment cut or income needed to reach 36%.
- [Emergency Fund Calculator](https://budget44.com/tools/emergency-fund-calculator/): Score your job stability, dependents and debt load to get a personalized emergency fund target in months, and how long it takes to save.
- [Emergency Fund vs Debt Payoff Calculator](https://budget44.com/tools/emergency-fund-vs-debt-payoff-calculator/): Compare saving an emergency fund first, paying off debt first, or splitting your spare cash. See months to debt free, interest paid, and fund balance.
- [Envelope Budget Calculator](https://budget44.com/tools/envelope-budget-calculator/): Split take-home pay into cash-stuffing envelopes by amount or percentage. See the per-payday fill, each envelope's share and what is left to allocate.
- [Hours of Work Cost Calculator](https://budget44.com/tools/hours-of-work-cost-calculator/): Turn any price into hours of work using your real after-tax hourly rate, with commute, unpaid overtime and the costs of working folded in.
- [House Down Payment Savings Calculator](https://budget44.com/tools/house-down-payment-savings-calculator/): Enter a home price to get the down payment, closing costs and total cash to close, plus the monthly amount to save to be ready by your date.
- [Income Needed to Cover Bills Calculator](https://budget44.com/tools/income-needed-to-cover-bills-calculator/): Work backwards from your bills. Enter every fixed cost, spending category and savings target to get the take-home pay you need each month, week and paycheck.
- [Irregular Income Budget Calculator](https://budget44.com/tools/irregular-income-budget-calculator/): Turn a variable paycheck into a monthly budget. Enter 3-6 months of income for a safe baseline, the surplus to bank, and how long a buffer takes.
- [Monthly Budget Calculator](https://budget44.com/tools/monthly-budget-calculator/): Enter your take-home pay and every bill to see your true monthly surplus, each category as a share of income, and your 50/30/20 split.
- [Net Worth Calculator](https://budget44.com/tools/net-worth-calculator/): List what you own and what you owe to get one net worth figure, plus liquid net worth, your debt-to-asset ratio, and a breakdown by type.
- [No Spend Challenge Calculator](https://budget44.com/tools/no-spend-challenge-calculator/): Work out what a no spend challenge saves you. Enter daily non-essential spending, length and exceptions to get net savings per week, month and a full year.
- [Savings Goal Calculator](https://budget44.com/tools/savings-goal-calculator/): Work out how much to save each month to hit your savings goal by a set date. Get weekly and daily amounts, interest earned, and progress to target.
- [Savings Rate Calculator](https://budget44.com/tools/savings-rate-calculator/): Find what percent of your pay you actually save. Compare gross vs net savings rate against the 20% benchmark and see your years to financial independence.
- [Sinking Fund Calculator](https://budget44.com/tools/sinking-fund-calculator/): Plan for insurance, car registration and Christmas. Get the monthly set-aside per fund, months left, and your combined monthly sinking fund total.
- [Small Daily Purchases Cost Calculator](https://budget44.com/tools/small-daily-purchases-cost-calculator/): Add up what your small daily purchases really cost. Get the monthly, yearly and 5-year total, plus what the money could have grown to invested.
- [Stay-at-Home Parent Calculator](https://budget44.com/tools/stay-at-home-parent-calculator/): Can you afford to stay home with the kids? Weigh the second paycheck against childcare, commuting and work costs, then see your one-income surplus or gap.
- [Student Loan Payoff Calculator](https://budget44.com/tools/student-loan-payoff-calculator/): See how long your student loans take to clear, the total interest they cost, and how many months and dollars an extra payment each month saves you.
- [Subscription Cost Calculator](https://budget44.com/tools/subscription-cost-calculator/): Add up every subscription and see the real monthly, yearly and 5-year cost. Rank them by annual spend and check the share of your take-home pay.
- [Zero-Based Budget Calculator](https://budget44.com/tools/zero-based-budget-calculator/): Assign every dollar of income to a category until income minus outgo equals zero, with a live counter showing what's still unassigned.

## Comparisons

- [Best Budget Apps for Tracking Spending in 2026](https://budget44.com/compare/best-budget-apps/): We compared seven budget apps on the US App Store on price, bank sync, manual entry and privacy labels. The right one depends on how you want to track.
- [Budget44 vs Rocket Money - Bills & Budgets](https://budget44.com/compare/budget44-vs-rocket-money-bills-budgets/): Rocket Money - Bills & Budgets links your accounts and hunts unused subscriptions. See how it compares with Budget44 on price, privacy and offline use.
- [Budget44 vs Monarch: Budget & Track Money](https://budget44.com/compare/budget44-vs-monarch-budget-track-money/): Monarch: Budget & Track Money syncs your bank accounts for $99.99 a year after a 7-day trial. See how it compares with Budget44 on price and privacy.
- [Budget44 vs EveryDollar: Budget Management](https://budget44.com/compare/budget44-vs-everydollar-budget-management/): EveryDollar: Budget Management, by The Lampo Group (Ramsey Solutions), is a zero-based budget app. See how it compares with Budget44 on price and privacy.
- [Budget44 vs YNAB](https://budget44.com/compare/budget44-vs-ynab/): YNAB by You Need A Budget LLC links your bank accounts and becomes a subscription after 30 days. See how it compares with Budget44 on price and privacy.
- [Budget44 vs Copilot: Track & Budget Money](https://budget44.com/compare/budget44-vs-copilot-track-budget-money/): Copilot: Track & Budget Money links US bank accounts for $13 a month with no free tier. See how it compares with Budget44 on price, privacy and hand entry.
- [Budget44 vs Spending Tracker](https://budget44.com/compare/budget44-vs-spending-tracker/): Spending Tracker by MH Riley Ltd is a manual expense log on the App Store since 2012. See how it compares with Budget44 on price, ads and net worth.

## About

- [About Budget44](https://budget44.com/about/): Who makes Budget44, and the sources its tools and guides use
- [Contact Budget44 support](https://budget44.com/contact/): How to email support, and what to include

## Optional

- [How to Stick to a Budget Past Month One](https://budget44.com/blog/how-to-stick-to-a-budget/): How to stick to a budget when a category goes over: a reserve you spend only after a miss, a ten-minute weekly look, and a set day for plan changes.
- [Fixed vs Variable Expenses: Two Levers](https://budget44.com/blog/fixed-vs-variable-expenses/): Fixed costs get scheduled and only change when you renegotiate. Variable costs get a category cap and are the only place an in-month decision matters.
- [How to Budget on an Irregular Income](https://budget44.com/blog/how-to-budget-on-an-irregular-income/): Budget against your lowest recent month, bank the surplus, and build a one-month float. A worked plan for freelance, shift and commission income.
- [How to Budget on Weekly or Biweekly Pay](https://budget44.com/blog/how-to-budget-when-paid-weekly-or-biweekly/): Your pay lands every 7 or 14 days while your bills run on a calendar month. Here is how to budget by pay period and plan the extra paycheck.
- [Budgeting for Subscriptions and Recurring Bills](https://budget44.com/blog/budget-for-subscriptions-and-recurring-bills/): Convert every recurring charge to its annual cost, decide what stays with a cost-per-use test, then schedule the survivors so they stop surprising you.
- [Budgeting App vs Spreadsheet: An Honest Take](https://budget44.com/blog/budgeting-app-vs-spreadsheet/): The real split is not app versus spreadsheet, it is manual versus automatic. Compare entry friction, recurring bills, arithmetic, and month four.
- [How to Budget for a New Baby: 3 Phases](https://budget44.com/blog/how-to-budget-for-a-new-baby/): A baby is not one expense. It is a lump sum, a permanent rise in your monthly bills, and a pay cut during leave. Budget each of the three separately.
- [Budgeting for Self-Employment Taxes Like a Bill](https://budget44.com/blog/budgeting-for-self-employment-taxes/): Self-employment tax is 15.3% of 92.35% of net profit. Derive your own withholding percentage, hold it back per payment, and fund the four due dates.
- [How to Make a Monthly Budget That Holds](https://budget44.com/blog/how-to-make-a-monthly-budget/): Build a monthly budget from real take-home pay, your own last 90 days of spending, and a periodic-expense line, with every number worked out in full.
- [How to Budget for Christmas Without January Debt](https://budget44.com/blog/christmas-budget-planning/): Set your Christmas total from last year's real spending, cover every category, and divide by the paychecks left so January's card bill holds no surprises.
- [What to Do When You Overspend a Budget Category](https://budget44.com/blog/what-to-do-when-you-overspend-a-category/): Overspending one category is not a failed month. Here is the reallocation mechanic: name the source, move the cap once, log the reason, done.
- [Daily Spending Allowance: How to Set Yours](https://budget44.com/blog/daily-spending-allowance/): A daily spending allowance only works if you subtract fixed bills and sinking funds first, then recompute the number every day instead of once a month.
- [The 50/30/20 Rule and When It Breaks](https://budget44.com/blog/50-30-20-rule-when-it-breaks/): The 50/30/20 rule works until rent, high-interest debt or an irregular paycheck breaks the math. Here is where it fails and what split to use instead.
- [Zero-Based Budgeting, Explained](https://budget44.com/blog/zero-based-budgeting-explained/): Zero-based budgeting gives every dollar a job before the month starts. Here is what that really means, and how the mid-month reassignment loop works.
- [Budgeting with ADHD: A System That Sticks](https://budget44.com/blog/budgeting-with-adhd/): The usual budget assumes a month of memory. Here is a smaller weekly system: fewer categories, recurring bills handled once, and no bank login.
- [Gross vs Net Income for Budgeting, Explained](https://budget44.com/blog/gross-vs-net-income-budgeting/): Budget from take-home pay, not salary. See the gap on a worked 2026 payslip, which deductions you must not double-count, and when gross still matters.
- [Monthly Budget Review Routine: The Checklist](https://budget44.com/blog/monthly-budget-review-routine/): A monthly budget review routine that says what to do: reconcile every balance, compare each category to its cap, reset next month, update net worth.
- [How to Categorize Expenses (and How Many)](https://budget44.com/blog/how-to-categorize-expenses/): The right number of budget categories is the smallest set where every line maps to a decision you could make. Here is how to find yours and keep it.
- [The Benefits of Manual Expense Tracking](https://budget44.com/blog/manual-expense-tracking-benefits/): Manual entry is slower than syncing, and that is the point. What the research on rehearsal, self-monitoring and habits says about typing it in yourself.
- [Sinking Funds for Irregular Annual Bills](https://budget44.com/blog/sinking-funds-for-irregular-bills/): A sinking fund has a due date. Here is how to size one per bill, divide by the months you actually have left, and track six funds in one account.
- [Transfers vs Expenses: Get Your Totals Right](https://budget44.com/blog/transfers-vs-expenses-in-your-budget/): Moving money between your own accounts is not spending. One rule fixes both an inflated expense total and a savings habit your budget keeps punishing.
- [Envelope Budgeting on Your Phone, No Cash Needed](https://budget44.com/blog/digital-envelope-budgeting-on-your-phone/): Cash stuffing breaks on rent, subscriptions and card-only merchants. Here is how per-category budget limits run the envelope system on your phone.
- [Track Expenses Without Linking Your Bank Account](https://budget44.com/blog/track-expenses-without-linking-bank-account/): Three ways to track spending without handing an app your bank login: manual entry, CSV statement review, and a spreadsheet, with the real cost of each.
- [Budget Calendar: Projected vs Actual Spending](https://budget44.com/blog/budget-calendar-projected-vs-actual-spending/): A budget calendar puts every paycheck and bill on the day it lands, so you can spot the days your balance dips before payday and fix the timing.