Plain Numbers
Budgeting tools and money systems, compared without hype
Free calculators
Sinking Fund Calculator
Turn irregular annual bills into one predictable monthly number.
Debt Payoff Calculator
See how long a balance takes to clear — and what the interest costs you.
50/30/20 Budget Calculator
Split take-home pay into needs, wants, and savings.
Guides
Best Budgeting Apps for Irregular Income, Compared
We compare budgeting app types for freelancers, commission earners, and gig workers whose paychecks change month to…
Best Budgeting Apps for Couples Who Keep Separate Accounts
A practical guide to budgeting apps for couples who split money without merging accounts, with a comparison table and…
Best Free Zero-Based Budget Spreadsheet Templates
We tested free zero-based budget spreadsheet templates for formula reliability and editing ease, not just looks…
YNAB vs Actual Budget: Which Is Better for Beginners
New to zero-based budgeting? Compare YNAB and Actual Budget on learning curve, setup, bank sync, and cost to see…
Best Debt Payoff Apps for the Snowball Method
We rank debt payoff app types on snowball ordering, payoff-date projections, and rollover accuracy — not generic…
Best No-Fee High-Yield Savings Accounts for Sinking Funds
We compare savings accounts on sub-account and bucket features, not just APY, so your sinking funds actually stay…