Finance Calculators
Every money decision, modeled before you make it. Borrowing, housing, debt, retirement, and inflation: thirteen free calculators with the math explained, no signup, no spin.
Last updated: October 2026
Auto Loan Calculator
Monthly payment, total interest, and the true cost of a car loan with down payment and trade-in.
Rent vs Buy Calculator
Compare the total cost of buying a home versus renting over the years you plan to stay, with a plain-English verdict.
Debt Payoff Calculator
Avalanche vs snowball, simulated month by month: payoff order, months to debt-free, and interest saved.
Roth vs Traditional Calculator
Which retirement account wins at your tax rates? After-tax values compared, crossover explained.
Inflation Calculator
See what today's dollars will be worth in the future at any inflation rate.
Mortgage Calculator
Monthly payment with property tax, insurance, PMI and HOA, plus a full amortization schedule.
Refinance Calculator
Compare your current loan to a new offer. Find your break-even month and lifetime savings.
Home Affordability Calculator
Using the 28/36 rule, see the maximum home price your income and debts can support.
Loan Calculator
Auto and personal loans: monthly payment, total interest, and amortization breakdown.
Compound Interest Calculator
Project investment growth with monthly contributions and a visual growth chart.
Percentage Calculator
What is X% of Y? X is what percent of Y? Percentage increase and decrease.
Tip Calculator
Figure out the tip, split the bill, and see exactly what everyone owes.
Salary Calculator
Convert between hourly, weekly, biweekly, monthly and annual pay instantly.
Smart money habits, in plain numbers
Most financial mistakes are math mistakes made without doing the math. A few habits, applied consistently, outperform almost any hot tip:
Price the total, not the payment. Monthly payments hide total cost. A $400 car payment for 84 months costs far more than a $528 payment for 60 months. Always compare the total-of-payments line before signing anything, from auto loans to mortgages.
Kill high-rate debt first. Every dollar put toward a 24% credit card balance is a guaranteed 24% return, which no investment reliably beats. Minimum payments are designed to keep you in debt; extra payments are designed to get you out.
Let compounding work for you, not against you. The same force that makes credit card balances explode makes retirement accounts grow. Starting ten years earlier matters more than picking the perfect investment, because time does most of the heavy lifting.
Plan in real dollars. Inflation quietly halves purchasing power roughly every 24 years at 3%. A savings target that ignores inflation is a target that expires. Always translate future money into what it will buy.
Automate the boring parts. Automatic transfers to savings and investments, automatic minimum payments on every debt. Willpower is unreliable; systems are not.