Free tools
Free online tools
Start with the monthly number, then test the annual extras and the categories that move most: housing, utilities, transport and food.
Living costs
Monthly Cost of Living Calculator
Category budget with annual total, daily average and the fixed-cost share.
Open tool →Savings Runway Calculator
How many months your savings last after setup costs, with a safe-runway view.
Open tool →Two-City Cost Comparison
Compare two cities on rent, food, transport and other, with the annual difference.
Open tool →Cost-of-Living Index Converter
Convert a known cost from one city to another using index numbers.
Open tool →Annual Living Cost Calculator
Monthly costs plus the annual extras that break a monthly budget.
Open tool →Utilities and Internet Budget
Electricity, water, gas, internet and phone, including heating season.
Open tool →Transport Budget Calculator
Monthly pass, fuel, rideshare and occasional trips, per person.
Open tool →Grocery and Food Budget
Groceries, household supplies and eating out, scaled by household size.
Open tool →