Personal finance tools that show the whole picture
Not another single-number calculator. Full amortization schedules, side-by-side strategy comparisons, and real month-by-month projections — the math most finance calculators skip.
Everything runs in your browser
No account, no data sent anywhere. Every calculation here uses the same amortization and future-value formulas as spreadsheet software (PMT, FV, NPER) — each one checked against Python's numpy-financial library on real test cases before this site shipped.
📉 Loan Payoff & Extra Payment Planner
See your full amortization schedule, then test how extra payments change your payoff date and total interest.
🎯 Debt Snowball vs. Avalanche
List every debt you're carrying. We'll simulate both strategies month by month and show which saves more.
📈 Compound Growth Calculator
Model a starting balance plus recurring monthly contributions, compounded monthly.
🏠 Mortgage Refinance Break-Even Calculator
Find the exact month a refinance pays for itself, and compare total interest under both loans.
Current loan
New loan
🌅 Retirement Number & Time-to-FI
Your target nest egg from a safe withdrawal rate, and a real projection of when you'll get there.
🛟 Emergency Fund Calculator
Set your target from real monthly expenses, then see how long it takes to fully fund it.
🧮 Savings Rate & Net Worth Projector
Turn income and expenses into a savings rate, then project net worth forward year by year.
🏷️ True Cost of a Purchase
The price tag isn't the real cost — see what that money would have grown to if invested instead.