Printable tools
Budget Tools
No app required. No account. Just printable, fillable PDFs you can use tonight. Built for the specific financial situation gambling harm creates.
Free online tools
Calculators Worth Using
These free tools from FinMango, a financial health nonprofit, are useful for understanding debt costs and thinking about rebuilding. No account, no email, nothing to install.
Minimum Payment Trap
Enter your credit card balances and see exactly how much you'll pay in interest — and how long it will really take — making only minimum payments.
Open tool →Sports Betting Reality Simulator
An interactive simulation showing how sports betting affects finances, stress, and long-term wealth. Useful for understanding the full picture of what happened.
Open simulator →What’s Money Calculator
Calculate what your losses would have become if invested instead. A forward-looking reframe — best used once you’ve stabilized and are ready to think about building.
Open calculator →These are external tools hosted by FinMango. After the Bet has no affiliate relationship with FinMango — these are listed because they’re genuinely useful.
The Financial Reset Kit
Everything you need to go from financial chaos to a clear picture in one sitting. Five printable tools built for one specific problem: figuring out where the money went, what must be paid first, and what a realistic next 30 days looks like.
- Survival Budget Template — one page, fillable PDF
- Debt Triage Worksheet — list, categorize, and prioritize
- Bill Payment Calendar — monthly view, essential vs. discretionary
- First 30 Days Checklist — step-by-step action list
- "What to Say to Your Bank" script guide
No app required. Download and print. Delivered instantly via Gumroad.
*After the Bet earns revenue from kit sales. This helps keep the free resources on this site free. We never earn from gambling operators, payday lenders, or any service we wouldn't recommend.*
Honest reviews
Budgeting Apps Worth Considering
These apps are recommended because they're genuinely useful for people in this situation — not because the affiliate commission is the highest. Each recommendation comes with an honest note about what it's good for and what it's not.
Monarch Money
$14.99/month or $99.99/year
Best for: People who want a comprehensive budgeting app to link bank accounts, track all spending, and get a full picture of net worth. Monarch is the current gold standard for personal budgeting.
Not ideal for: People who aren't ready to connect bank accounts, or who want something very simple.
Try Monarch Money →Affiliate link — we earn $20 if you subscribe.
YNAB (You Need A Budget)
~$14.99/month or $99/year
Best for: People who want a zero-based budgeting method — every dollar assigned to a job. YNAB is especially good for people who've lost control of spending and want a strict framework.
Not ideal for: People who find rigid systems stressful. YNAB has a learning curve.
Try YNAB free for 34 days →Affiliate link — we earn a free month for referrals.
Gamban (blocking + budgeting)
~$5.42/month
Best for: People who want to block gambling sites and also want a spending awareness tool in one place. Gamban's core strength is blocking — it pairs well with a dedicated budgeting app.
Note: Gamban is a blocking tool first, budgeting second.
Visit Gamban →Affiliate link — we earn a small commission if you subscribe.
After the Bet is a self-help content resource, not a financial advisor. Nothing here constitutes financial advice. This page contains affiliate links — we earn a commission if you purchase through our links, at no cost to you. See our full affiliate disclosure. For free financial counseling, visit GamFin or the NFCC.