Calculators
Seventeen calculators, zero jargon.
Every result comes with the number AND the plain-English sentence. Your inputs live in the link: share any result, save nothing.
Budget
Monthly Budget Calculator
Income minus expenses, category shares, and gentle observations: printable, no account.
Open →50/30/20 Calculator
Take-home pay split into needs, wants, and savings lanes.
Open →Subscription Cost Calculator
Every recurring charge at monthly, yearly and five-year cost: the audit that funds emergency funds.
Open →Rent Affordability Calculator
The 30% guideline, the conservative line, and the landlord screen, on your income.
Open →Car Affordability Calculator
Work backward from your income to a sane car price, insurance included.
Open →Where Did My Money Go?
Last month's real spending, ranked: the 10-minute forensic that finds the leaks.
Open →Savings
Emergency Fund Calculator
Your target from YOUR essential month, with a real date at your saving pace.
Open →Savings Goal Calculator
Any target becomes a monthly number and an honest date.
Open →Compound Savings Calculator
Contributions vs. growth over the years, with the chart that explains compounding.
Open →How Long Until I Save $1,000?
A weekly amount becomes a countdown, with the shortcuts that move the date.
Open →Interest Rate Comparison
The same balance at five different rates, one year and five years out.
Open →Debt
Debt Payoff Calculator
Up to six debts: snowball vs. avalanche, payoff dates, total interest, and what +$25 to +$250 a month changes.
Open →Credit Card Interest Calculator
What a balance really costs at your APR, and what doubling the payment changes.
Open →Loan Payment Calculator
Monthly payment and total interest for any fixed-rate loan.
Open →