All Tools
34 calculators — all free
No account needed to get started. Sign up to save your results and track progress over time.
Savings & Debt5 tools
HY
HYSA Calculator
Compare high yield savings rates vs the national average
CC
Credit Card Payoff
Find your exact payoff timeline and interest cost
DP
Debt Payoff
Compare avalanche vs snowball across all your debts
LN
Loan Calculator
Mortgage and auto loan payment breakdowns
CD
CD Calculator
Certificate of deposit earnings and effective yield
Planning & Tax7 tools
NW
Net Worth Tracker
Assets minus liabilities — your real financial picture
TX
Income Tax
Federal tax estimate with full bracket breakdown
SL
Salary Calculator
Hourly to annual with overtime and equivalents
ST
Sales Tax
Total purchase cost with any tax rate
IF
Inflation Calculator
See how inflation erodes buying power over time
BP
Budget Planner
50/30/20 rule breakdown and monthly surplus tracking
EF
Emergency Fund
How many months covered and time to reach your goal
Retirement & Growth7 tools
4K
401(k) Calculator
Retirement balance with employer match and real value
RT
Retirement Calculator
Plan savings and estimate monthly retirement income
MF
Mutual Fund
Fund growth with expense ratio drag over time
DV
Dividend Calculator
Income with DRIP, frequency, and contribution schedules
BD
Bond Calculator
Bond value at maturity and total coupon income
SL
Student Loan Payoff
Compare repayment plans and find fastest path to zero
CL
Car Lease vs Buy
True cost comparison including depreciation
Real Estate9 tools
RP
Rental Property ROI
Cap rate, cash-on-cash return, and total ROI
CF
Rental Cash Flow
Monthly cash flow after all expenses
SB
Subletting Calculator
Profit from subletting vs your rent cost
HH
House Hacking
Live in one unit, rent others — your effective cost
SR
Short-Term Rental
Airbnb income vs long-term rental comparison
RB
Rent vs Buy
True cost of renting vs owning including opportunity cost
PA
Property Appreciation
Project home value growth and equity over time
FF
Fix & Flip
Purchase, renovation, holding costs, and profit
MR
Mortgage Refinance
Monthly savings, break-even, and total savings
Business & AI6 tools
AE
AI vs Employee Cost
Compare full employee cost against AI tool costs
AP
AI Productivity ROI
Hours saved times your rate — net gain from AI tools
AC
AI Content Cost
Writer vs AI tools — per-piece cost comparison
AR
AI Automation ROI
Payback period and 3-year savings from automating tasks
SO
SaaS Stack Optimizer
Find bloated subscriptions and AI alternatives
AS
AI Side Hustle Earnings
Estimate income from AI-assisted freelance work