Housing
Mortgage & Affordability
Monthly payment with taxes, insurance, and PMI; amortization with extra-payment payoff; and how much house your income supports under the 28/36 rule.
Open calculator →How Much House Can I Afford?
Works backward from income, debts, and down payment to a maximum price, with adjustable lender ratios and a price-vs-rate sensitivity curve.
Open calculator →Rent vs. Buy
Net worth on each path: home equity vs. an invested down payment. Break-even year, transaction costs, and appreciation all included.
Open calculator →Mortgage Refinance
Old loan vs. new: monthly savings, the true break-even on closing costs, and lifetime cost of each path side by side.
Open calculator →HELOC & Home Equity
How much you can borrow against the house, interest-only draw costs, and the payment jump when repayment begins.
Open calculator →Saving & Investing
Retirement Savings Planner
Project your savings to retirement and through it. Drawdown simulation, gap analysis, Social Security, the 4% rule, and a Monte Carlo mode with 1,000 simulated market histories.
Open calculator →Compound Interest
How a starting balance and steady contributions grow — and how much of the final number is your money vs. the market's.
Open calculator →401(k) & Employer Match
Is free money being left on the table? What your contribution rate means at retirement, and what capturing the full match would add.
Open calculator →Roth vs. Traditional
Pay tax now or later? Equal out-of-pocket comparison with a break-even retirement tax rate — the whole decision on one chart.
Open calculator →FIRE: Years to Independence
Your savings rate sets the date. FIRE number, years to financial independence, and the famous savings-rate curve.
Open calculator →Lump Sum vs. Dollar-Cost Averaging
Cash to invest: all at once or spread out? 2,000 simulated markets weigh the odds and show the downside protection DCA buys.
Open calculator →Dividend Income
The income snowball: dividend growth plus reinvestment, yield on cost, and what taking the cash instead really forgoes.
Open calculator →College Savings
529-style projection against rising tuition: coverage percentage, the gap, and the monthly contribution that fully funds the plan.
Open calculator →Debt & Loans
Debt Payoff
Enter your debts and compare snowball vs. avalanche: payoff dates, total interest for each, and the order to attack them in.
Open calculator →Credit Card Minimum Payment
What "just pay the minimum" actually costs in years and interest — and what a fixed payment does to the same balance.
Open calculator →Auto Loan
Monthly payment with sales tax, trade-in, and negative equity handled correctly, plus what each loan term really costs.
Open calculator →Student Loan Payoff
Standard repayment vs. extra payments vs. income-driven with forgiveness — three roads out of the same debt, priced.
Open calculator →Loan Comparison
Three offers ranked honestly: fees folded into a true effective APR so points and origination charges can't hide.
Open calculator →Income & Taxes
Take-Home Pay
Gross salary to net paycheck: 2026 federal brackets, FICA, pre-tax benefits, and a flat state rate, with a full breakdown.
Open calculator →Self-Employment Tax
Freelance income carries both halves of FICA. The real bill, the QBI deduction, and what to send the IRS each quarter.
Open calculator →Job Offer Comparison
Salary, bonus, match, PTO, healthcare, and cost of living — two offers reduced to one honest, adjusted number.
Open calculator →Inflation & Purchasing Power
What today's dollars buy tomorrow, what tomorrow's bills cost, and what investing does to the quiet tax on cash.
Open calculator →Life Decisions
Emergency Fund
How many months of essentials you need, how covered you are today, and when the fund will be full at your saving rate.
Open calculator →Car Lease vs. Buy
Leasing rents the car's best years; buying keeps the machine. Cumulative cost of each over your real time horizon.
Open calculator →