Free financial tools
Every tool here runs entirely in your browser - no sign-up and no financial inputs sent to us. Each one pairs the math with a plain-English explanation, shows its limitations, and links to the primary sources and guides that go deeper.
Start with the whole picture
Money Priority Planner
Emergency savings, high-interest debt, monthly cash flow, and an employer retirement match can all compete for the same dollar. This original planner puts those decisions on one screen. It calculates your current runway, cash-flow margin, approximate debt cost, and possible unclaimed match, then creates a checkable 30-day action map. Every formula is shown on the page, and the result can be printed without creating an account.
Home & loans
- Mortgage calculator - full PITI payment with taxes, insurance, HOA and PMI, amortization schedule, payoff date, and extra-payment savings
- Auto & personal loan calculator - monthly payment, total interest, and total cost for any fixed loan
- Loan payoff & refinance calculator - extra payments vs refinancing, compared honestly net of closing costs
Debt & credit
- Debt payoff calculator: snowball vs avalanche - both methods on your real balances
- Credit card payoff calculator - months to debt-free by payment or by target date
Saving & budgeting
- Emergency fund calculator - how many months of expenses your situation calls for
- Savings goal calculator - the monthly amount that reaches your goal by your date
- 50/30/20 budget calculator - targets from your income, compared against your actual spending
- Net worth calculator - assets minus liabilities, with the breakdown
Investing & retirement
- Compound interest calculator - watch contributions and growth trade places
- Retirement calculator - project your nest egg with a growth chart
- 401(k) calculator with employer match - including the match money left on the table
- Roth vs Traditional calculator - the tax-now-or-later question with your numbers
Work & taxes
- Paycheck calculator - estimated take-home pay from salary or hourly
- Salary ↔ hourly converter - any pay figure translated to every frequency, with overtime, PTO, and per-paycheck options
All tools are general educational estimates, not financial advice. See our disclaimer.