Calculator
Personal finance
Run the math on debt, savings, retirement, and budgets — with full assumptions disclosed and no marketing fluff.
Personal finance is mostly math you can do in your head — but it pays to be precise when the dollars are large. These calculators cover the moments that change a financial trajectory: how long debt actually takes to pay off, what an emergency fund really needs to cover, when you can retire, and how a 50/30/20 split lands against your income.
50/30/20 Budget Calculator
Split take-home pay into needs, wants, and savings with baseline 50/30/20 or custom ratio budgeting in one clear view.
Debt Payoff Calculator
Compare avalanche and snowball payoff plans and inspect month-by-month remaining balances.
Emergency Fund Calculator
Set a 3, 6, 9, or 12-month emergency-fund target, track progress, and estimate time-to-goal from your monthly savings rate.
FIRE Calculator
Estimate your financial independence target, years to FIRE, and progress using savings and spending assumptions.
Loan Comparison Calculator
Compare loan offers side-by-side with independent amount, rate, term, and fee assumptions to find the lower total-cost option.
Net Worth Calculator
Calculate net worth with grouped assets and liabilities, concentration insights, and debt-risk ratios in one clear balance-sheet view.
Paycheck Calculator
Estimate take-home pay per paycheck with federal, state, FICA, and 401(k) deductions by pay frequency.
Retirement Calculator
Project retirement savings, estimate sustainable monthly income at a 4% withdrawal rule, and quantify any gap to your target.
Savings Goal Calculator
Plan time-to-goal and required monthly contributions with milestone checkpoints and contribution-versus-growth decomposition.
Subscription Cost Calculator
Normalize weekly, monthly, quarterly, and annual subscriptions into one monthly-equivalent view, then rank your highest recurring costs.