Personal finance calculators that explain the math
Free tools for debt payoff, compound interest, retirement, and budgeting — no signup, no spreadsheets, just clear numbers and how we got there.
Debt & Credit
Compare payoff strategies and understand what you actually owe.
Debt Snowball vs. Avalanche
Compare both payoff strategies side by side and see which saves more.
Student Loan Repayment
See your real payoff time and how much an extra payment would save.
Credit Card Payoff Calculator
See how long payoff really takes and how much minimum payments cost you.
Mortgages & Loans
See how payment strategy and the rent-or-buy decision actually play out.
Biweekly Mortgage PayoffNew
See how extra or biweekly payments cut years off a mortgage.
Rent vs. BuyNew
Compare buying against renting and investing the difference.
Mortgage Refinance Calculator
See your new payment, the break-even point, and total interest saved.
Home Equity Loan & HELOC Calculator
See how much equity you can borrow and compare a fixed loan against a HELOC.
Personal Loan Calculator
See the real monthly payment, total cost, and what an origination fee actually costs.
Retirement & Investing
See how your money grows with real contributions over time.
Compound Interest Calculator
Project growth with monthly contributions, not just a single lump sum.
Coast FIRE Calculator
Find out if your savings can grow to your goal without another contribution.
Retirement Catch-Up Calculator
See your 2026 catch-up limit at 50+ (and the bigger one at 60-63).
401(k) Early Withdrawal Calculator
See what the 10% penalty and taxes really take from an early withdrawal.
Roth vs. Traditional IRA Calculator
Compare the real after-tax value of each account, side by side.
529 College Savings Calculator
See if your 529 is on track for the real, inflated cost of college.
Income
Understand what's actually landing in your paycheck.
Overtime Pay Calculator
See your regular pay, overtime pay, and estimated annual total.
Raise Take-Home Pay CalculatorNew
See how much of a raise actually reaches your paycheck after tax.
Self-Employment Quarterly Tax Calculator
Estimate your self-employment tax and quarterly IRS payment.
HSA Contribution & Tax Savings Calculator
See the real federal, state, and FICA savings from an HSA contribution.
Side Hustle & 1099 Income Tax CalculatorNew
See what percentage of your 1099 side income to set aside for taxes.
Budgeting & Savings
Know exactly what to set aside and why.
Emergency Fund Calculator
Find your target emergency fund and how long it'll take to reach it.
50/30/20 Budget Calculator
Split your take-home pay into needs, wants, and savings.
Net Worth CalculatorNew
Add up what you own, subtract what you owe, track the real number.
Car Affordability CalculatorNew
See what car price your budget actually supports.
More calculators are launching every week.
We're building out debt, mortgage, retirement, income, and budgeting tools one at a time — each one fully explained, not just a black-box number.