Calculators
Quick answers to real money questions
Seven small tools, zero sign-up. Type your numbers and watch the answer update as you go.
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Safe-to-Spend estimator
Krateo's signature number: what is actually free to spend, after the month's obligations.
Free to spend this month: . That is about a day for the next days.
You are past this month’s free number by . No shame in it: next month starts fresh, and a plan beats a scolding.
Debt payoff: avalanche vs snowball
Two honest strategies compared with your real balances. Avalanche saves the most interest; snowball gives the fastest first win.
Debt 1
Debt 2
Debt 3
Avalanche (highest rate first): debt-free in , paying in interest.
Snowball (smallest balance first): debt-free in , paying in interest.
Avalanche saves you about . Snowball pays off a whole account sooner. Both work; pick the one you will stick with.
At these numbers the payments do not cover the interest. Raising the monthly amount, even a little, changes everything.
What a monthly habit becomes
Compound growth, shown honestly: what you put in and what time adds on top.
You would put in and end with about . Time adds on top of your own effort.
Emergency fund sizer
The calm-sleep number: months of essentials, ready before life gets creative.
Your target: . At that pace you get there in .
50/30/20 splitter
A starting shape for any paycheck: needs, wants, and future-you.
Needs · Wants · Saving . A guide, not a law: real families bend it and that is fine.
Subscription true cost
The little monthly number, seen at full size.
That is a year, over five years. Invested instead at 7%, it could be about . Keep what you love. Cut what you forgot.
Savings goal: when do I get there?
A date makes a goal real.
At this pace you reach it in , around .
You are already there. Go celebrate something small.
Want the versions that know your real numbers?
Inside Krateo these are not estimators, they are live: Safe-to-Spend updates with every purchase, goals track themselves, and debts get a plan. Start with Krateo Web.
These calculators are simple educational estimates, not financial advice. The app's own engines go deeper with your real numbers.