Free · No signup · Private by default

Clear, calm tools to make your next money decision.

Twelve calculators, one consistent design, all running in your browser. From debt payoff and net worth to retirement planning and the true cost of a house — find the math that fits the decision in front of you.

Start with Debt Payoff Plan retirement

💳 Debt

Debt Payoff

Avalanche vs snowball, payoff date, target-date mode.

Most popular

Mortgage Analyzer

Refinance break-even, extra-payment impact, full PITI.

Refi math→

📊 Net Worth & Cashflow

Net Worth

Assets vs liabilities, projection forward, snapshot history.

Project & track→

Emergency Fund

Categorized essentials, target buffer, risk indicator.

Sleep-better math→

Pay Raise Impact

After-tax monthly + paycheck delta + 30-year invested impact.

Quick math→

📈 Investing & Long-term

Investment Projection

Compound growth with monthly contributions and step-ups.

Compound math→

Retirement & FIRE

Lean, Regular, Fat, Barista, Coast — find your number.

5 modes→

Barista FIRE

The smaller number that lets you go part-time, and when you reach it.

New→

College Savings (529)

Tuition inflation, required monthly, year-by-year balance.

Future tuition→

🏠 Major Decisions

Cost of Homeownership

True monthly cost — including the CapEx reserve nobody plans for.

All-in→

Car True Cost

Loan, insurance, fuel, maintenance, depreciation — per mile.

All-in→

Life Insurance Needs

Itemized coverage need — income, debts, kids, college, final.

Protection→

Instant

Every input recalculates the result the moment you change it. No "submit" buttons.

Private

Calculations run in your browser. Your numbers never leave your device.

Branded PDFs

Export every plan as a clean PDF — perfect for printing, sharing, or filing away.

Linked & consistent

Saved snapshots flow between calculators — your debt plan feeds your net-worth projection.