Free calculator
Subscription cost calculator
Convert monthly, quarterly, and yearly subscription prices into one estimated monthly and annual total.
Free resources
Useful personal finance tools, before you create an account.
Start with a practical money question, use the calculator locally in your browser, or follow a step-by-step guide when you want a more deliberate tracking and savings routine.
Available resources
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Free calculator
Multi-currency net worth calculator
Add balances held in different currencies, subtract what you owe, and read one net worth figure in the currency you choose.
Free calculator
Debt payoff calculator
Compare the snowball and avalanche methods on your own debts, with total interest and payoff time for each.
Free calculator
Emergency fund calculator
Work out how large an emergency fund you need from your own essential monthly costs, and how long the gap would take to close.
Free calculator
Freelance hourly rate calculator
Find the rate you need to charge to hit a target income, based on billable hours rather than every hour you work.
Practical guide
How to track expenses consistently
Use a simple expense-tracking routine to record transactions, choose useful categories, check balances, and review spending without a spreadsheet.
Practical guide
How to audit your subscriptions
Use a repeatable subscription audit to find recurring charges, compare annual costs, and decide what to keep, change, or cancel.
Educational guide
How to build an emergency fund
Estimate essential expenses, choose a personal emergency-fund target, build regular contributions, and decide when the savings should be used.
Move from one audit to ongoing tracking.
Rinalance keeps subscriptions beside accounts, records, budgets, and statistics when a one-time calculation becomes a recurring habit.