Savings & Growth
Understand how money grows over time and plan for future goals.
Compound Interest
See how money grows with compounding — choose frequency, add contributions, model withdrawals.
Savings Goal
Calculate the monthly savings needed to reach a specific target by a set deadline.
Emergency Fund
Find out how large your emergency fund should be based on monthly expenses and risk level.
Loans & Debt
Understand the true cost of borrowing and find the fastest path to debt-free.
Mortgage
Monthly payment, total interest, and a full amortization schedule for any home loan.
Auto Loan
Calculate your monthly car payment including down payment, trade-in value, and sales tax.
Personal Loan
Amortize a personal or friend-to-friend loan, download the schedule, and generate a promissory note with the live IRS minimum interest rate.
Loan + Investment Scenario
Borrow at the IRS minimum rate, invest the proceeds, and fund payments and living withdrawals by selling from the portfolio — backtested against real historical S&P 500 years, with an after-tax option.
Loan Payment Tracker
Log real payments on a friend loan and recalculate the balance, payoff date, and interest as you go — with CSV import/export. Companion to the Personal Loan calculator.
Credit Card Payoff
Compare minimum vs. fixed payments — see how long and how much interest you'll pay.
Student Loan
Model repayment timelines and total costs under standard or income-based plans.
Loan Comparison
Side-by-side comparison of two loan offers by rate, term, payment, and total cost.
Refinance Break-Even
Find out how many months until refinancing savings offset the closing costs.
Debt Snowball / Avalanche
Enter multiple debts, choose a payoff strategy, and see how long until you're debt-free.
Retirement & Investing
Plan for the future with long-term growth projections.
Retirement Savings
Project your nest egg based on savings, contributions, rate of return, and time horizon.
Investment Return (ROI)
Calculate annualized return and total gain or loss on any investment over any period.
401(k) / IRA
Model retirement account growth with employer match and pre-tax vs. Roth options.
HSA Calculator
Project your Health Savings Account growth and see the full triple-tax advantage over time.
Roth Conversion
Compare Traditional vs. Roth IRA to see which strategy leaves you with more after-tax wealth.
Social Security Estimator
Estimate your monthly benefit at different claiming ages and find your break-even point.
Budgeting & Planning
Get a clear picture of where you stand and where your money should go.
Budget Planner
Apply the 50/30/20 rule to break income into needs, wants, savings, and debt repayment.
Net Worth
Calculate assets minus liabilities to get your complete financial snapshot.
Inflation
See how inflation erodes purchasing power and what today's dollars will be worth in future.
Rent vs. Buy
Compare the true total cost of renting versus owning a home over a chosen number of years.
Tax & Income
Estimate your tax burden and understand what you actually take home.
Income Tax Estimator
Estimate your federal income tax bill based on income, filing status, and deductions.
Take-Home Pay
Calculate your net paycheck after federal, state, Social Security, and Medicare taxes.
Tools
Handy everyday financial tools.
Tip & Currency
Split a restaurant bill and tip, plus convert between 17 currencies with live ECB rates.
Stock & Index Returns
See what $10,000 invested in the S&P 500, NASDAQ, or any stock ticker would be worth today using real historical data.
Business & Selling
Cost and price your handmade or homemade products correctly.
Product Cost & Pricing
For makers and crafters — cost out materials, labor, packaging, and fees, then get a suggested selling price and profit per unit.
Break-Even
Find out how many units you need to sell — and how much revenue that takes — before a product or event turns a profit.
Batch & Recipe Scaler
Scale a recipe or materials list up or down to any batch size, with fraction-friendly quantities for baking.
Wholesale vs. Retail Pricing
Set a fair wholesale price for shops and a suggested MSRP, and check that your direct pricing isn't undercutting retailers.
Craft Fair / Booth ROI
See how many units you need to sell to cover a booth fee and travel costs — and whether an event is worth your time.
Shipping Cost & Pricing
Work out true shipping cost, then compare charging it separately versus building it into the price for "free shipping."
Real Hourly Wage
Count all your time — not just making things — to see what you're really earning per hour, compared to minimum wage.
Platform Fee Comparison
Compare what you'd actually keep from the same sale on Etsy, Shopify, Square, PayPal, in-person, or consignment.
Custom Order Quote
Quote one-off custom work — materials, design time, revisions, and a rush fee — with a deposit split ready to send to the client.