Free tools · No signup
Small calculators. A clearer picture.
What do your subscriptions really cost? How much should you set aside for annual bills? Find out with five free tools for your recurring expenses.
Your inputs stay in your browser
Where would you like to start?
Sinking fund calculator
Spread annual and quarterly bills into manageable monthly amounts.
Open toolBill calendar
See which recurring bills are actually due in a chosen month.
Open toolFixed cost calculator
Add up recurring bills and compare different billing frequencies.
Open toolSubscription cost calculator
See annual subscription costs and compare a plan without selected services.
Open toolPay monthly or annually?
Compare two billing options and see when annual payment becomes cheaper.
Open toolTurn a calculation into your plan.
These tools help you get an initial overview. Kalvo helps you keep it on your iPhone, with recurring costs, reserves and reminders before bills are due.
For iPhone with iOS 26 or later. No account or bank connection.