Make better money decisions.

Compound Interest

Model any savings or investment plan and see the compounding curve.

• Rule of 72 Calculator

Retirement

Plan when you can retire, with Social Security and the 4% rule.

• 401(k) Calculator

• 4% Rule Calculator

Savings Goal

Set a goal, find your monthly savings number, and track your timeline.

Investment Return

Calculate your actual ROI, annualized return, and S&P 500 backtest.

• S&P 500 Return Calculator

Amortization

Loan payments, amortization schedule, payoff acceleration, and refinance comparison.

• Mortgage Payment Calculator
• Auto Loan Calculator
• Student Loan Calculator

• 15 vs 30-Year Mortgage

Rent vs Buy

Equal-budget model showing break-even year, net-worth comparison, and the 5% rule.

Home Affordability

Max home price from both DTI caps, PMI, property tax, and insurance — with a clear read on which limit binds.

Salary Increase

See what a raise is really worth — annual, monthly, and real terms — plus multi-year growth and inflation comparison.

Cost of Living

Compare any two places and see the salary you'd need to match your lifestyle.

Hourly ↔ Salary

Convert an hourly rate to a yearly salary (or the other way around) — every pay period, plus overtime.

• Salary to Hourly Calculator
• Overtime Calculator

Debt Payoff

Snowball or avalanche — see exactly when you'll be debt-free and what paying only the minimum really costs.

• Debt Snowball Calculator
• Debt Avalanche Calculator
• Credit Card Payoff Calculator

Net Worth

Add up what you own and owe, see how you compare to your age group, and track your number over time — free, and it never leaves your browser.

• Net Worth by Age

Budget

Turn your take-home pay into a working monthly budget — 50/30/20, zero-based, and per-household.

• 50/30/20 Budget Calculator
• Zero-Based Budget Calculator