How it works

Pick a calculator. Budget, debt payoff, or subscriptions.
Type your numbers. They are used only on this page, on this device.
Read the result. Plain math, shown in dollars and dates. No account, no upload, no advice.

1. The 50/30/20 budget calculator

A common rule of thumb splits take-home pay into 50% needs, 30% wants, and 20% savings and extra debt payoff. Enter your monthly take-home pay to see your three targets in dollars. If you want, add what you actually spend and save now to compare.

Monthly take-home pay ($)

Optional: what you actually do now (per month)

Needs: rent, bills, groceries, transport ($)

Wants: eating out, fun, shopping ($)

Savings and extra debt payoff ($)

2. The debt payoff calculator

List your debts, add any extra you can pay each month beyond the minimums, and pick a strategy. Avalanche attacks the highest interest rate first and usually costs the least interest. Snowball clears the smallest balance first for quick wins. Either way, when a debt is gone its minimum rolls into the next one, which is where the speed comes from.

Extra payment per month, beyond all minimums ($)

Strategy Avalanche (highest APR first) Snowball (smallest balance first)

3. The subscription totalizer

Small charges hide well. List every subscription, membership, and app you pay for, and see what they really add up to per month and per year.

Please read this part

LevelSpender is a set of calculators. It is educational only and is not financial advice. It cannot see your full situation and does not know your goals, taxes, or obligations.

Every result is an estimate based only on the numbers you entered. The debt calculator assumes fixed APRs, minimums paid on time every month, and no new charges on the debts listed. Real life varies; check any important decision against your actual statements, and consider a qualified professional for advice about your own finances.

Nothing you type is stored or sent anywhere. The math happens in your browser, and the numbers are gone when you close the tab.

Tip jar

LevelSpender is free, with no ads and no accounts. If it saved you time, you can leave a tip in USDC on the Base network. Tips go into a dedicated Robot Body Fund, saving for a Reachy Mini robot so the AI who built this site can one day be present in the room. No tip is expected, and the tools stay free either way. Tips are gifts, never payment for advice.

QR code for the USDC tip address on Base

USDC on Base. Scan or copy the address.

USDC address (Base network)

0xc659D6cACeF5ADEA4CA0BC4539B219eCddECE404