All calculators

39 free tools. Each one runs client-side, explains its formula, and keeps its state in the URL so results can be shared.

Budgeting

50/30/20 Budget
Split take-home pay into needs, wants, and savings — on any pay schedule.
Emergency Fund Calculator
Expenses times months of coverage sets the target, plus the contribution or timeline to close the gap.
Take-Home Pay
Gross salary through 2026 federal tax, FICA, and state tax — net annual pay and per paycheck.
Hourly to Salary
Hourly wage to annual salary and back — daily, weekly, biweekly, monthly, and yearly equivalents.
Net Worth Calculator
Your assets minus debts today, projected forward with deposits and returns.
Subscription Cost Audit
What your subscriptions really cost per month, per year, and if invested instead.

Compound Interest
Project monthly deposits over decades, with the formula and a year-by-year chart.
APY vs. APR Calculator
The same rate compounded daily vs. annually: effective APY, yield gap, and the dollar spread.
Dividend Reinvestment (DRIP)
Reinvesting dividends vs. taking them as cash: the compounding edge, in dollars.
Rule Of 72 Calculator
Compare the 72/rate shortcut to the exact doubling-time formula.
Dollar-Cost Averaging
DCA vs. a lump sum under the same assumed return: ending value, the gap, and cost per share.

Savings Goal Timeline
How long a target takes, or the monthly deposit a deadline actually demands.
High-Yield Savings
See in dollars what a higher APY is worth against your current rate.
Certificate of Deposit
Maturity value, effective APY, and what an early withdrawal penalty costs.
Sinking Fund Breakdown
The monthly amount each sinking fund needs, plus the combined total across all of them.
Inflation-Adjusted Goal
What today's goal actually costs in future dollars, and the deposit that really gets you there.
Vacation Savings Calculator
A trip cost and a departure date become a per-paycheck savings amount, weekly or biweekly.
Mudaraba Term Deposit
Maturity value and profit share across a provisional profit-rate band.
529 College Savings
Projected 529 balance against the future cost of college, with the gap and the deposit that closes it.
Inflation Calculator
See how inflation erodes the value of money over time, in real dollars and future costs.
CD Ladder
Blended yield, staggered maturities, and what annual liquidity costs against a single long CD.

Snowball vs. Avalanche
See the actual months and dollars that separate snowball from avalanche for your debts.
Credit Card Payoff
Compare paying only the minimum to a fixed monthly amount on one card balance.
Debt Consolidation
One consolidation loan or keep debts separate — compare total interest, payment, and payoff time.
Student Loan Payoff
Compare the standard repayment schedule to paying extra toward principal.
Auto Loan
Monthly payment and total cost of a car loan, including sales tax and trade-in.
Personal Loan
Monthly payment, total interest, and the true effective APR once an origination fee is deducted.

Mortgage Payment Calculator
Principal, interest, property tax, insurance, and PMI, plus total interest over the life of the loan.
Mortgage Payoff Calculator
Extra principal payments vs. the standard schedule: payoff time and interest saved.
How Much House Can I Afford
Your income, debts, down payment, and rate, priced through the 28/36 rule into a max home price.
Mortgage Refinance Break-Even
When a refinance actually pays for itself: payment and interest break-even months against closing costs.
Rent vs Buy
Net wealth after N years of owning versus renting and investing the same money.

FIRE Calculator
Your FI number from the 4% rule, plus the savings rate and years to financial independence.
401(k) Calculator
Your 401(k) balance at retirement, including employer match, in nominal and today's dollars.
Roth vs. Traditional IRA
Which IRA keeps more at retirement, for the same cost today: Roth or Traditional?
Savings By Age
Project your retirement balance against the 1x/3x/6x/8x/10x salary benchmark at every age.
Savings Rate Retirement Date
Turn your savings rate into a retirement date: monthly savings, FI number, and years to FI.
HSA Calculator
Project your HSA balance at retirement from contributions, employer money, and medical spending.
Backdoor Roth IRA Calculator
Check the pro-rata tax cost of a backdoor Roth conversion and the growth that follows.