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Personal Finance Calculators

Budget, save, invest, and plan. 18 free tools for your complete financial picture.

18 free tools
#01

Net Worth Calculator

Assets minus liabilities. Your financial starting position in one number.

#02

50/30/20 Budget Allocator

Auto-split your income into needs, wants, and goals.

#03

Emergency Fund Calculator

How much you need and how long it will take to build.

#04

Debt Payoff Simulator

Avalanche vs snowball strategy with multiple debts side by side.

#05

Compound Growth Visualiser

Watch contributions turn into wealth over time with interactive charts.

#06

Retirement Calculator

Your target number and how much to save monthly to reach it.

#07

Salary Negotiation Impact

Lifetime earnings difference from one negotiation.

#08

Buy vs Rent Comparator

The actual math behind the biggest housing decision.

#09

Credit Card True Cost

What minimum payments really cost you over time.

#10

Tax Bracket Visualiser

See marginal vs effective rates on your income.

#11

Roth vs Traditional IRA

Which IRA wins based on your current and future tax rates.

#12

Student Loan Simulator

Compare standard, income-driven, and refinance plans.

#13

Personal Runway Calculator

How long your savings last at different burn rates.

#14

Should I Take the Leap?

10-criterion assessment of financial readiness to start a company.

#15

Three Numbers Dashboard

Runway, flex, and net worth in one view.

#16

Insurance Needs Checklist

What you need, what to skip, based on your situation.

#17

Mortgage Affordability

The bank's number vs the safe number vs stress-tested.

#18

Tax Account Optimizer

The optimal order for 401(k), Roth, HSA, and more.