About Budget Folders
We build free, accurate financial calculators to help people make better money decisions.
Our Mission
Personal finance is complicated. Understanding how a mortgage works, whether you can afford a car loan, how much to save for retirement, or what your take-home pay will be after taxes — these are questions that affect everyday life, but the answers are rarely intuitive.
Budget Folders was built on a simple premise: everyone deserves access to accurate, easy-to-use financial tools — without paywalls, without creating an account, and without sacrificing privacy. We provide the same calculation quality you'd expect from a financial professional's tool, freely available in your browser.
Our calculators are designed to be transparent. We show you the formulas, explain the methodology, and link to authoritative sources — so you understand not just the answer, but why.
What We Offer
Budget Folders provides 25 specialized financial calculators across six major categories. Each calculator includes detailed breakdowns, interactive results, and educational content.
Mortgage & Home
Mortgage payment estimator, payoff calculator, refinance analysis, home affordability, and rent vs. buy comparison.
Loans & Debt
Loan payment calculator, auto loan, student loan, personal loan, APR calculator, and debt payoff planner.
Savings & Investment
Compound interest, savings goal projector, investment return calculator, and ROI analysis.
Retirement Planning
Retirement savings estimator, 401(k) growth calculator, IRA projector, and nest egg planner.
Tax & Salary
Income tax estimator with 2024 tax brackets, salary paycheck calculator, and take-home pay analysis.
Business & Inflation
Business loan calculator, inflation adjustment tool, and budget planning calculator.
Our Methodology
Every calculator on Budget Folders uses standard financial formulas — the same ones used by banks, financial planners, and government agencies. We implement the industry-standard amortization formula for loan and mortgage calculations, the standard compound interest formula for investment projections, and 2024 IRS tax brackets for tax estimates.
We document each calculator's formulas and assumptions so you can verify the math yourself or adapt it for your specific situation.
Read our full methodology for detailed explanations of every formula we use.
Our Privacy Commitment
Zero data transmission
When you enter numbers into any calculator, those numbers never leave your browser. There is no server receiving your mortgage amount, salary, retirement savings, or any other financial data.
No accounts, no tracking
We don't require you to create an account, provide your email, or accept marketing communications. We may use anonymous analytics to understand which calculators are most useful.
Read our full Privacy Policy for complete details.
Important Disclaimer
Budget Folders calculators are for educational and informational purposes only. Results are estimates based on the inputs and assumptions you provide. They do not constitute financial, investment, tax, legal, or mortgage advice.
Financial decisions — especially major ones like buying a home, taking out a loan, or planning for retirement — involve factors unique to your situation that a general calculator cannot fully account for. Always consult a qualified financial professional before making significant financial decisions.
Feedback & Accuracy
We are committed to accuracy. If you believe a calculator contains an error, produces unexpected results, or could be improved, we welcome that feedback. Our methodology documentation is public and we aim to be transparent about every assumption made.
For questions about how a specific calculator works, visit our Methodology page where we explain each formula in detail.