The Tools
Free Personal Finance Calculators
Free calculators for compound interest, debt payoff, retirement planning, FIRE number, savings rate, and emergency fund. Real math, plain English, no hype.
Available Now
7 toolsCompound Interest Calculator
See exactly how your money grows with compound interest. Set your starting amount, monthly contributions, time horizon, and rate of return.
Cost of Waiting Calculator
See the exact dollar cost of delaying your investments. Two scenarios, same inputs — the only difference is when you start.
Debt Payoff Calculator
Compare avalanche vs. snowball debt payoff side by side. See your exact payoff order, total interest saved, and debt-free date.
FIRE Number Calculator
Calculate how much you need to retire early using the 4% rule. Adjustable safe withdrawal rate, three scenarios, and a projected FIRE date.
Savings Rate Calculator
Find your savings rate and map it to financial independence. See how many years each percentage point saves on your path to FI.
Emergency Fund Calculator
Find out how much emergency fund you need — 3, 4, 6, or 9 months — and get a clear timeline to fully funded.
True Cost of Car Calculator
The sticker price is the smallest number. Compare gas, hybrid, and electric vehicles side by side on full 5–10 year cost of ownership.
Coming Soon
Phase 2Retirement Readiness Planner
See whether you're on track, how far off you are, and what it would take to close the gap.
Net Worth Tracker
A clear snapshot of where you stand — assets, liabilities, and the number that matters.
Rent vs. Buy Analyzer
An honest comparison that accounts for opportunity cost, taxes, and the true cost of ownership.