Money planning tools

Turn unclear money choices into next actions.

Use the core Personal Finance tools to budget income, plan creator projects, build a security buffer, and test side-income ideas. Results are planning estimates, not financial advice, credit advice, tax advice, investment advice, or guaranteed outcomes.

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Personal finance essentials

Core Personal Finance tools

These five tools cover the money decisions people ask about most — budgeting, creator project spend, an emergency buffer, and side-income ideas. Handy tax, savings, net-worth, school-fee, and mortgage tools sit nearby too; you'll find them further down the page.

Local-first for sensitive money data. Income, expenses, family obligations, project budgets, and side-income assumptions should stay in the browser unless a user explicitly copies, downloads, saves, or submits something.

Choose the money decision

Pick the closest workflow to get a short checklist and the most relevant tool order. The selection is saved only on this device.

Fix monthly budgetCompare current spending with a needs, wants, and savings split.
Plan a music releaseEstimate recording, visuals, distribution, promo, and break-even assumptions.
Plan a film budgetBreak production spend into departments, funding sources, and ROI scenarios.
Build safety bufferSize a security emergency fund for essential costs and disruption risk.
Rank side incomeCompare side hustles by capital, time, skills, channel risk, and first steps.
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Core Personal Finance apps

The five core tools for planning your money, kept up to date automatically.

These tools help with the same money goals, but they live in nearby categories on AfroTools.

Budget toolBudget Planner

Track income and expenses when you need more detail than the 50/30/20 split.

Open Budget Planner
Savings toolSavings Goal Calculator

Estimate time to target, monthly deposits, and inflation-adjusted goals.

Open Savings Goal
Wealth toolNet Worth Tracker

Review assets, debts, cash reserve, and the next review date.

Open Net Worth
Emergency toolEmergency Fund Calculator

Compare broader emergency fund targets alongside the security-buffer tool.

Open Emergency Fund

Personal finance questions

How does the 50/30/20 budget rule work?

The 50/30/20 rule splits your take-home income into three parts: 50% for needs (rent, food, transport, utilities), 30% for wants (entertainment, dining out, subscriptions) and 20% for savings and debt repayment. The 50/30/20 Budget Calculator compares your actual spending against this split so you can see where to adjust. It is a starting framework, not a fixed rule — higher-rent cities often need a different balance.

Is my income and expense data private?

Yes. The Personal Finance tools are local-first: income, expenses, family obligations, project budgets and side-income assumptions stay in your browser and are not sent to a server unless you explicitly copy, download, save or submit something.

How much should my emergency fund be?

A common target is three to six months of essential expenses — rent, food, transport, utilities and minimum debt payments. The Security Emergency Fund tool sizes this from your essential costs, dependants and how stable your income is; single-income households and irregular earners generally aim for the higher end.

Are these tools free, and do they give financial advice?

All core Personal Finance tools are free and work on any phone or computer. They produce planning estimates only — not financial, credit, tax or investment advice, and not guaranteed outcomes. Confirm the figures and speak to a qualified adviser before making major money decisions.

Which currency do the tools use?

The tools are currency-neutral — enter amounts in your own local currency and every result stays in that currency. Nothing is converted, so the split, buffer or ranking reflects the money you actually earn and spend.