About MrBudgeting.com
MrBudgeting.com is a collection of free, no-signup budgeting tools for anyone who wants to get a clearer picture of their finances. Whether you are planning a monthly budget, figuring out how long it will take to reach a savings goal, working out how to pay off debt, or just trying to split a bill fairly, there is a calculator here for it. Everything runs in your browser, nothing is saved or sent anywhere and you do not need an account.
The tools are designed to be straightforward. No jargon, no complicated inputs, no paywall after the first click. You enter your numbers, you get an answer. The aim is to make basic financial maths accessible to everyone, regardless of how confident they are with money.
Who built this
MrBudgeting.com is built and maintained by Ben Rose, founder of Rose Venture Labs. Ben has spent over 20 years working across financial services, technology and media, including senior commercial and leadership roles in New Zealand. That background is the reason this site exists: most budgeting tools online are either locked behind a signup wall, cluttered with upsells, or built by people who have never actually had to explain a mortgage amortisation schedule or a debt snowball to someone under pressure. MrBudgeting.com is an attempt to do better — calculators that are accurate, genuinely useful and don't ask for your email address before showing you a number.
Every calculator on this site is built around a real question people ask about their money: how much should I be saving, how long will this debt take to clear, what does a 2% pay rise actually mean after tax. The goal is that each tool gives a clear, honest answer, backed by an explanation of how that answer was reached — not just a black-box result.
MrBudgeting.com is free because it is built to be useful, not to extract value. It is supported by advertising, which keeps the lights on without charging users anything. The tools themselves will always be free to use.
What this site is not
This is not a substitute for financial advice. Every calculator here works from the numbers you enter and standard financial formulas — it can't account for your full personal circumstances, tax position or risk tolerance. Use these tools to understand your options and run the numbers, then talk to a qualified financial adviser or accountant before making a significant decision, particularly around mortgages, investments or debt restructuring.
If something is broken, confusing or missing, we would genuinely like to know. Head to the Contact page and drop us a note.