Financial Toolkit
Free tools to master your money, one calculation at a time
Simple, powerful calculators designed around the Gates of Greatness framework. No login required — just honest insights to guide your financial journey.
Quick Budget Builder
Give every pound a job. See your income allocation and spot gaps instantly.
Calculate budgetDebt-Free Date Calculator
Use the snowball method to calculate your exact debt freedom date.
Calculate debt-free dateEmergency Fund Estimator
Calculate your safety net target — 3 to 6 months of essential expenses.
Estimate emergency fundSavings Goal Planner
Map your path to any goal — monthly contributions or target timeline.
Plan savings goalFreedom Score
Discover which Gate of Greatness you're on and your next milestone.
Find my GateCompound Growth Calculator
See the long-term impact of consistent saving and investing habits.
Calculate growthNet Worth Snapshot
Calculate what you own vs. what you owe in one clear view.
Calculate net worthFinancial Stress Check
Understand your money mindset with a quick 5-question assessment.
Check stress levelReady to build a real plan?
Turn insights into a real financial plan
These calculators give you clarity. Frugate gives you the complete system to budget, track, and achieve your financial goals with confidence.