Savings guides
Practical guides to spending less
12 plain-English guides in 4 topics. No invented deals: each one explains the method and links the official program or rule it mentions.
Everyday spending
Everyday spendingHow to Use Unit Prices to Save on GroceriesThe unit price (price per ounce, pound, liter or count) is the fairest way to compare two products. It shows when the big pack is not a better deal, and when a package quietly shrank.Read the guideEveryday spendingHow to Spot Fake Discounts and Inflated "Was" PricesA big percentage off means nothing if the original price was never really charged. A few quick checks tell a real saving from a marketing number.Read the guideEveryday spendingHow to Stack Coupons, Cashback and Loyalty RewardsStacking means combining more than one saving on the same purchase, for example a store sale, a coupon, a cashback portal and loyalty points. It works when the rules allow it, and the order matters.Read the guide
Bills & subscriptions
Bills & subscriptionsHow to Audit and Cut Your SubscriptionsSubscriptions are easy to start and easy to forget. One focused audit a year (or after any free trial) finds the charges you no longer use and the ones with a cheaper tier.Read the guideBills & subscriptionsHow to Lower Your Energy Bill at HomeHeating and cooling are usually the biggest part of a home energy bill, so that is where small changes add up. Start with the free habits, then the cheap fixes, then the bigger upgrades.Read the guideBills & subscriptionsHow to Lower Your Phone and Internet BillsPhone and internet plans are often bought once and never reviewed. Matching the plan to what you actually use, and asking your provider for a better rate, is where the savings usually are.Read the guide
Travel & memberships
Travel & membershipsHow to Find and Ask for Senior DiscountsMost senior discounts are not advertised. They sit with the venue, the location or a membership, and they are not always the cheapest price. The habit that pays is simple: ask, then compare.Read the guideTravel & membershipsIs a Paid Membership Worth It? A Simple Break-Even CheckA membership pays for itself only when the benefits you would actually use are worth more than the fee. A five-minute break-even check answers it before you join or renew.Read the guideTravel & membershipsTravel Savings Checklist: Hotels, Flights, Rail and ParksMost travel savings come from timing and comparing, not secret codes. This checklist covers what to check before you book, and what you are owed when a flight goes wrong.Read the guide
Saving habits
Saving habitsHow to Build an Emergency Fund, Step by StepAn emergency fund is money set aside for unexpected costs so they do not land on a credit card. Starting small matters more than the final number.Read the guideSaving habitsHow to Make a Simple Budget That SticksA budget is a plan for your money before the month starts. The best method is the one simple enough that you keep using it.Read the guideSaving habitsHow to Spend Less on Your CommuteCommuting is a cost you pay every working day, so even a small change per trip adds up over a year. Start by working out what each trip really costs.Read the guide
Calculators
Free savings calculators
Use your own figures. Everything runs in your browser.
- Unit Price ComparisonFind which pack size or brand is really cheaper per unit.
- Discount CalculatorWork out the sale price and what you actually save.
- Discount StackingCombine sale, coupon, card offer and cashback in the right order.
- Cascading DiscountsSee the true total when discounts apply one after another.
- Final Price CalculatorStacked percentage and flat discounts with tax added.
- Subscription Cost TrackerMonthly and yearly totals for every subscription you pay.
- Subscription Spend AuditSee what cancelling unused subscriptions saves in a year.
- Budget PlannerA monthly budget with income, categories and limits.
- 50/30/20 BudgetSplit take-home pay into needs, wants and savings.
- Emergency Fund CalculatorSize your emergency fund and plan how to fill it.
- Savings Goal CalculatorHow much to save each month to reach a goal.
- Compound InterestSee how savings grow over time with compounding.
- Energy SavingsWhat LED bulbs, AC settings or curtains save on power.
- Electricity BillEstimate the bill from appliances, hours and tariff.
- Appliance Running CostFind which appliance drives your electricity bill.
- Cycle Commute SavingsFuel, parking and upkeep saved by cycling to work.
- Fuel Price ComparatorCompare fuel prices per litre or gallon in one unit.
- Grocery List BuilderPlan the shop and stick to the list.
- Bill SplitterSplit shared bills and trip costs fairly.
- Group Trip Tip SplitterSettle shared travel tips in the fewest transfers.
AltFTool is an independent website and is not affiliated with any program, brand or agency mentioned. Names are trademarks of their owners. This page is general consumer information, not financial, legal or benefits advice. Always confirm current terms on the official site. Content reviewed 2026-11-01. Affiliate disclosure