Calculators
Free, no signup, nothing stored — every one runs in your browser and shows the formula it uses, so you can check the arithmetic yourself.
Available
Loan vs value
A longer loan lowers the payment and lengthens the time you owe more than the thing is worth.
Milestone speed
How long each successive $100,000 takes. Same contribution, same return, each step faster than the last.
Withdrawal order
Taxable, tax-deferred or Roth first? The order alone moves the ending balance by a meaningful amount.
Home affordability
What a house really costs each month once tax and insurance are counted — and what price your income supports.
Coast number
The balance that reaches your retirement target on its own, with no further contributions.
Gold vs stocks
Same price growth for both, and shares still finish ahead. The gap is cash flow.
Bond price
Why a bond falls when rates rise — and why a 30-year bond falls so much harder than a 2-year one.
Trading drag
Same gross return for trader and holder. See how large an edge trading needs just to break even.
Debt payoff
Why the minimum payment keeps a balance alive, and what freezing it saves without costing more per month.
Retirement withdrawal stress test
Three retirements, same average return, different order of good and bad years — and whether the money lasts.
Dividend vs growth
At the same total return, what a high yield actually changes — and where it quietly costs you.
Employer match
What your match is worth per year and across a career, and whether you are collecting all of it.
Early withdrawal cost
Tax and penalty now, plus the compounding given up — the second number is usually the larger one.
Portfolio overlap
Four funds is not four investments. See what your holdings actually add up to once the overlap between them is accounted for.
Compound growth
What a starting balance plus monthly contributions becomes over time, and how much of the result is growth rather than deposits.
Fund comparison
Two funds, side by side, by return and cost — and what a fraction of a percent a year compounds into.
Roth vs traditional
Same contribution, taxed now or taxed later — compared on spendable money after tax, using your own rates.
In progress
Annual fee break-even
How much category spending a card's fee actually requires before the rewards clear it.
Savings rate to retirement
How many working years a given savings rate implies, independent of income.