Money math, minus the headache.

Free calculators that answer real financial questions in seconds — how fast you can pay off debt, what your take-home really is, and whether your retirement plan holds up. No sign-up. No spam.

Mortgage & Home

Mortgage Payoff Calculator

See how extra payments cut years and thousands in interest off your mortgage.

Home Affordability Calculator

How much house can you actually afford? Uses the 28/36 rule lenders use.

Debt-to-Income (DTI) Calculator

Calculate the ratio lenders check first — and see where you stand.

Loans & Debt

Loan Amortization Calculator

Monthly payment plus a full year-by-year principal and interest schedule.

Auto Loan Calculator

Car payment with taxes, fees, trade-in, and down payment included.

Credit Card Payoff Calculator

How long until you're free of the balance — and what minimum payments really cost.

Retirement & Investing

401(k) Calculator

Project your balance at retirement with employer match and annual raises.

Compound Interest Calculator

Watch contributions snowball with monthly compounding and regular deposits.

Retirement Withdrawal Calculator

How long will your savings last at a given withdrawal rate? Test the 4% rule.

Taxes, Insurance & Planning

Self-Employment Tax Calculator (2026)

Freelancer? Estimate SE tax and federal income tax with current 2026 numbers.

Life Insurance Needs Calculator

How much coverage your family actually needs, using the DIME method.

Emergency Fund Calculator

Your personal emergency fund target and a monthly plan to reach it.

Savings Goal Calculator

The exact monthly amount to hit any savings target by your deadline.