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Free Tools for Parents
Quick calculators for the money questions every parent asks: how much allowance, how long to save, and how big this can actually grow.
Kid Allowance Calculator
Enter your kid's age and get a research-backed weekly allowance recommendation, plus a 5-year savings projection.
- ✓By-age recommendations
- ✓Weekly / monthly / yearly
- ✓5-year projection
Savings Goal Calculator
Set a goal (Lego set, bike, video game) and see exactly how many weeks until your kid reaches it.
- ✓Goal-directed saving
- ✓Weekly or monthly cadence
- ✓Exact target date
Compound Interest Calculator
Visualize how a small allowance grows year by year with interest. Perfect for teaching long-term thinking.
- ✓Year-by-year chart
- ✓Starting age + years to project
- ✓Total contributed vs. earned
Chore Pay Calculator
Get a fair-pay suggestion for any chore — by age, type, and time. Stops the "uh, ten dollars?" guesswork.
- ✓Age-based hourly baseline
- ✓Chore-difficulty multiplier
- ✓Family-contribution toggle
Roth IRA for Kids Calculator
See how much a custodial Roth IRA grows from any starting age — and how much the head start over a 25-year-old saver is worth.
- ✓Compounds to age 65
- ✓Compares vs. starting at 25
- ✓Earned-income context
50-40-10 Split Calculator
Spend, save, give breakdown for any allowance amount. Three-jar math without the math.
- ✓Per-period and annual totals
- ✓Color-coded jars
- ✓Weekly / biweekly / monthly
Saving for College Calculator
How much per month to fund college? Returns the exact monthly contribution at any expected return rate.
- ✓Backs into the monthly
- ✓Accounts for current savings
- ✓529 / UTMA context
Tooth Fairy Rate Calculator
Going rate per tooth by US region in 2025 — plus the lifetime "tooth budget" for a kid losing 20 baby teeth.
- ✓By US region
- ✓First-tooth premium
- ✓Lifetime budget
Pet Cost Calculator
Realistic upfront, monthly, and lifetime cost of a pet by type. The conversation-starter before saying yes.
- ✓Setup + monthly + lifetime
- ✓By pet type
- ✓Saving-for-pet context
Why we built these
Most money-for-kids advice is either vague (“start early!”) or buried in 2,000-word blog posts. These calculators give you a number in 10 seconds. Use them with your kid at the table — nothing teaches compound interest like watching the bars get longer each year.
For more depth, read our allowance-by-age guide or browse the blog.
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