✨ 100% Free Forever

The Best Way to Budget Your Money

Take control of your finances in 3 simple steps. Track income, expenses, and achieve financial freedom with our free budgeting tool.

Available in English and Maltese

Personal Finance Tool Dashboard Screenshot
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Master Your Personal Finance Journey

Transform your financial future with our comprehensive personal finance tool. Track expenses, manage your budget, and achieve financial freedom with smart money management features.

Start budgeting now

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Languages supported

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Steps for financial clarity

100%

Free forever

Take Control in 3 Simple Steps

Complete these 3 steps to get your comprehensive financial picture including debt-to-income ratio, savings-to-income ratio, and visual charts showing your spending by category

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Income tracking screenshot

Enter Your Income

Start by entering your salary, freelance income, and any other money coming in. Get a clear picture of your total monthly income with our intuitive interface.

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Expense categorization screenshot

Add Monthly Recurring Expenses

Input your monthly recurring expenses like rent, utilities, groceries, and subscriptions. Our tool helps you categorize everything automatically with smart suggestions.

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Financial insights dashboard screenshot

Include Yearly Expenses

Add your yearly expenses like insurance, vacations, and annual subscriptions. These will be automatically split into monthly amounts and added to your budget for complete financial visibility.

Track Your Financial Health

Get instant insights into your financial wellness with key metrics that matter most for your money management and budgeting success

Personal Finance Tool Dashboard Statistics Cards showing debt-to-income ratio, savings rate, and budget surplus
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    Debt-to-Income Ratio

    Monitor your debt levels against your income to maintain healthy financial ratios and improve your ratio.

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    Savings-to-Income Ratio

    Track your savings rate and build wealth faster with clear visibility into how much you're saving each month

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    Budget Deficit/Surplus

    See exactly where your money goes with real-time budget tracking that shows if you're overspending or saving

Frequently Asked Questions

Everything you need to know about Personal Finance Tool

Is Personal Finance Tool really free?

Yes! No hidden fees, no subscriptions, no credit card required. It's completely free forever.

Do I need to create an account?

No, you can start budgeting immediately without any account. Creating an account is optional for syncing data across devices.

How does the 3-step process work?

Simply enter your income, list your expenses, and see your financial overview. Our tool automatically calculates your budget balance.

Can I use it on my phone?

Absolutely! It works on any device with a web browser—desktop, tablet, or mobile.

Is my financial data safe?

Your privacy is our priority. Data stays local on your device unless you create an account, and we never share or sell your information.

What languages are supported?

Personal Finance Tool is available in English and Maltese, making budgeting accessible in your preferred language.

Get started with Personal Finance Tool today

Join now to simplify your budgeting and take control of your finances with our easy-to-use, free budgeting tool that works everywhere.

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Personal Finance Tool getting started interface