Free Family & Lifestyle Budget Tools

What Each Tool Does

Every tool below opens instantly, needs no account, and processes your data locally in your browser. Here is what each one is for:

Wedding Budget

Any total allocated across the 12 categories by real-wedding shares, the per-guest math that drives everything, and the painless-cuts list. Open the Wedding Budget →

Baby Costs

One-time gear, monthly recurring, and the childcare line that outweighs the rest combined — the first-year total by your choices. Open the Baby Costs →

Funeral Costs

Burial vs cremation line by line, the itemized-pricing rights the FTC guarantees, and the planning conversation that spares families both grief-spending and guesswork. Open the Funeral Costs →

Vacation Budget

Flights to tips, itemized — per-person and per-day figures, destination presets, and the forgotten-lines checklist that ends trip-debt surprises. Open the Vacation Budget →

Grocery Budget

USDA thrifty-to-liberal benchmarks built for your exact household ages, per-meal math, and the five habits with real grocery-bill evidence. Open the Grocery Budget →

Utility Bills

Every utility benchmarked to your home size and region — the out-of-line detector for the bills everyone pays and nobody audits. Open the Utility Bills →

Phone Plans

Your real usage priced across the market's tiers — the MVNO arbitrage (same towers, half price), family math, and what you give up. Open the Phone Plans →

Streaming Budget

The full stack totaled, each service priced per hour you actually watch, and the rotation system that keeps every show for half the money. Open the Streaming Budget →

Speed Test

A browser-based download and latency measurement plus the needs table — most households pay for 3× the speed they can use. Open the Speed Test →

Cost of Living

Metro-tier comparison with housing weighted honestly — the equivalent-salary number that turns 'should I move?' into arithmetic. Open the Cost of Living →

Moving Cost

The same move priced as full-service, container-hybrid, and DIY — with the weight-times-distance logic and the rogue-mover checklist. Open the Moving Cost →

Truck Rental

The $19.95 decoded: per-mile charges, 8-MPG fuel reality, coverage and fees — totals for local and one-way, plus the size chart. Open the Truck Rental →

Storage Unit

Rooms-to-unit-size math, monthly and annual pricing with climate control, and the stored-value-vs-rent audit that empties half of America's units. Open the Storage Unit →

International Move

Sea containers, groupage and air freight priced by route and volume — against the sell-everything benchmark that wins more often than shipping. Open the International Move →

Pet Relocation

Cabin, cargo and professional-shipper pricing by pet size and destination — with the titer-test timelines that must start months before you do. Open the Pet Relocation →

Gift Budget

Income-based totals, per-person allocation with a lock, and the January-proof monthly save-ahead — the whole holiday money plan in one card. Open the Gift Budget →

Back to School

Grade-scaled August budgets — supplies through sports fees — plus the reuse-first checklist and tax-holiday timing that cut it 30%. Open the Back to School →

Summer Camp

Camp-type pricing across the summer's 10-11 weeks, the gap-week problem solved on paper, and the FSA/credit offsets working parents forget. Open the Summer Camp →

Remote Setup

Three setup tiers with the ergonomic priority order (chair before standing desk, monitor before everything), and the commute math that pays for it. Open the Remote Setup →

Appliance Lifespan

Twelve appliances' real lifespans, the 50%-rule repair verdict for yours, and the energy math that sometimes retires a working machine. Open the Appliance Lifespan →

Furniture Value

Category-honest resale curves (couches crater, solid wood holds), Marketplace pricing strategy, and the moving/insurance contexts where the number decides. Open the Furniture Value →

How to Choose the Right Tool

For a life event — wedding, baby, move, funeral, vacation — open the matching planner and work top-down from the total: the category breakdowns show where the money actually goes and which lines are negotiable. For household costs, the Utility Bill and Grocery calculators benchmark your spending against averages for your household size, and the Streaming and Cell Phone tools frequently find $30–60/month hiding in subscriptions. Movers should run Moving Cost, then the Truck Rental comparator and Storage Unit sizer for the DIY route.

Frequently Asked Questions

Where do the average costs come from?

From published industry surveys and government data (BLS consumer expenditure data, industry cost surveys), with the source and year noted on each tool. Averages anchor the estimate; your inputs personalize it.

Costs in my city are higher — are these still useful?

Yes: every line item is editable, and most tools include a regional adjustment. The structure (what to budget for) transfers even where the exact dollars differ.

Can I save my budget?

Nothing is stored on a server by design. Use the copy/share options or your browser's print-to-PDF to keep a snapshot.

Are these tools really free?

Yes — free and unlimited, supported by ads, with no account or trial nonsense.

Explore More WiserWork Categories

WiserWork offers 423 free browser-based tools across 26 categories — all private, all free, no sign-up required.