Family budgeting, made human
Free calculators and honest money advice for parents running a household: plan the month, tame the grocery bill, price out childcare, build your safety net, and survive the holidays with your budget intact.
Family Budget Planner
Map your monthly income against real household expenses and see your surplus, deficit, and savings rate at a glance.
Calculate →Grocery Budget Calculator
Set a weekly grocery budget for your household size and see how your spending compares to national benchmarks.
Calculate →Childcare Cost Calculator
Compare daycare, nanny, and after-school costs side by side, monthly and annually, for your number of kids.
Calculate →Emergency Fund Calculator
Find your 3, 6, or 9 month safety net number and see exactly how long it takes to build it.
Calculate →Holiday Budget Planner
Split your holiday budget across gifts, travel, and food, with per-person gift math that keeps you on track.
Calculate →Why Mamisbudget exists
Most budgeting tools are built for single twenty-somethings with one rent payment and a coffee habit. Family money is messier: groceries for five, childcare that costs more than the mortgage did ten years ago, school fundraisers, birthday parties, and a holiday season that arrives like a freight train every December. These calculators were designed around that reality, with the expense categories families actually have and benchmarks that reflect real household spending.
Everything runs 100% in your browser. The numbers you type never leave your device, so you can budget honestly without wondering who is watching. No accounts, no paywalls, no judgment about the takeout line in your budget.
Start with the family budget planner to see the full monthly picture, then use the grocery calculator to find the leak most families never notice. If little ones are in the picture, the childcare comparison will save you from sticker shock before it happens.
From the blog
Practical money writing for parents. New posts monthly.
10 Ways to Cut Your Grocery Bill Without Eating Sad Dinners
Meal planning, store-brand swaps, and the freezer trick that saves one family $200 a month.
Sample postHow to Build an Emergency Fund on a Tight Budget
Start with $500, automate the rest, and why the perfect number matters less than starting.
Sample postThe Real Cost of Childcare (and How to Plan for It)
Daycare vs. nanny vs. after-school: what families actually pay and how to budget for it before the sticker shock.
Frequently asked questions
Are Mamisbudget calculators really free?
Yes. Every calculator is completely free with no account, no signup, and no limits.
Is my family's financial data private?
Yes. All calculations run entirely in your browser using JavaScript. Your calculation inputs never leave your device: nothing you type is sent to our servers or stored. Like most websites, this page loads standard third-party scripts (for example, advertising) that may collect page-visit data; see our privacy policy for details.
Who writes the Mamisbudget blog?
The blog is written by a mom, for parents managing real household budgets: practical posts on groceries, childcare, saving, and making the money stretch. New posts arrive monthly.
Are the results financial advice?
No. Our calculators give estimates for planning purposes using standard budgeting math. For big decisions, talk to a qualified financial professional.