Split your total Christmas gift budget evenly across everyone on your list, after setting aside money for wrapping and shipping.
Not everyone needs the same amount. Use the even split as a starting point, then move money between people (for example more for kids, less for coworkers) while keeping the same total. Set the total first, based on what you can pay in cash, not on what you spent last year.
There is no right number. Start from the total you can afford without debt and divide it by your list; this calculator does that for you.
Yes. They add up, so the calculator reserves a percentage of your budget for them before splitting the rest.
So gifts are paid for before the last-minute rush. Change your plan if you shop earlier.
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