Tools
Run the numbers.
Free calculators for the money decisions people actually face: a mortgage or a loan, paying off debt, saving and retiring, a monthly budget, and splitting bills with a partner. Nothing to sign up for and nothing to connect.
Budgeting
Size a monthly plan, a safety net and a savings target from your own income, and split shared bills fairly when two incomes differ.
Budget calculatorSplit your monthly take-home pay into needs, wants and savings with the 50/30/20 rule or shares of your own, and see the dollar amount each bucket gets.Emergency fund calculatorSize an emergency fund from what a month of essentials costs, see how far your savings already go, and how long it takes to finish at the amount you can add each month.Savings goal calculatorWork out what to set aside each month to reach a savings goal by a date, or how long a goal takes at the amount you can save now, with the account’s interest counted along the way.Shared bills calculatorSplit shared bills between two people with different incomes: in proportion to what each earns, straight down the middle, or so both have the same left over, and compare what each method costs each of you.
Debt & loans
Payments, total interest and payoff dates for mortgages, loans and credit cards.
Loan calculatorEstimate the monthly payment on a car, personal or student loan, the total interest over its life, and how much sooner it ends if you pay a little extra each month.Mortgage calculatorEstimate the full monthly payment on a home, principal and interest plus property tax, insurance, HOA dues and PMI, and see the total interest over the life of the loan.Debt payoff calculatorList your cards and loans, set what you can pay each month, and compare the avalanche and snowball methods: when you are debt-free under each, what the interest costs, and the order the debts fall.Credit card payoff calculatorSee how long a credit card balance takes to clear at the payment you make now, what the interest costs, and what to pay each month to be done by a date you choose.
Saving & investing
How money grows over time, and what retirement could look like.
Compound interest calculatorSee how a starting balance and a monthly contribution grow at a given return over the years, and how much of the final amount is interest on interest rather than money you put in.Retirement calculatorProject what your retirement savings could grow to by the age you plan to stop working, what that is worth in today’s dollars, and the monthly income it could support.