Free financial tools

Budget every paycheck.
Before you spend it.

Calculators built for real decisions — not just tax math. Compare job offers, model a raise, plan your actual budget.

See all calculatorsHow it works ↓

Seven calculators.
Every major pay decision.

Free · No sign-up
01

Paycheck Budget Planner

Build a full monthly budget from your actual net pay. Every expense mapped to your real check.

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02

50/30/20 Planner

Split your take-home into needs, wants, and savings. See your ideal budget in real dollars, not percentages.

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03

Paycheck to Paycheck

Split bills across two paychecks with carryover. See what each check covers and what rolls forward.

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04

Job Offer Comparison

Enter two offers side by side — salary, equity, benefits — and see true total comp after taxes.

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05

Raise vs. New Job

Stay for a raise or leave for a new offer? See which move actually puts more in your pocket.

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06

Salary vs. Hourly

Compare a salaried offer against an hourly rate. See total comp, overtime impact, and benefits side by side.

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07

Zero-Based Budget

Give every dollar a job. Enter your bills and expenses until your paycheck hits zero — see exactly where your money goes.

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Popular Salary Breakdowns

$40K/yr$19.23/hr$50K/yr$24.04/hr$60K/yr$28.85/hr$75K/yr$36.06/hr$80K/yr$38.46/hr$100K/yr$48.08/hr$120K/yr$57.69/hr$150K/yr$72.12/hr

Job Offer Comparison by Role

Software Engineer →Registered Nurse →Financial Analyst →Marketing Manager →Teacher →Accountant →

Why payforq

Most calculators answer what your paycheck is. Payforq answers what you should actually do — take the job, push for the raise, or cut the subscription. Built for the fork in the road, not the math after you've already decided.