Legacy · 101 tools
Personal-finance calculators
Retained personal-finance tools from before the 2026 AI-in-markets pivot. Budgeting, debt, housing, tax, investing, retirement.
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Savings & Investing
Compound Interest
Project compounding growth with inflation-adjusted values and milestone timing.
Net Worth
Calculate net worth, debt ratio, and snapshot trends in one view.
Savings Goal
Calculate monthly savings needed to reach a target by your chosen date.
Investment Fee Impact
Compare fee-ratio scenarios and quantify long-term compounding drag.
APR↔APY
Convert between APR and APY for any compounding frequency.
CAGR
Calculate compound annual growth rate from start/end values with doubling time and growth chart.
Cap Rate
Calculate cap rate, NOI, GRM, and cash-on-cash return for rental investment properties.
CD Ladder
Plan staggered CD maturities to balance yield and liquidity.
Savings Rate
Calculate your personal savings rate and map it to your FIRE timeline.
DRIP Calculator
See how reinvesting dividends and monthly contributions compound portfolio growth over time.
Bond Yield
Calculate YTM, current yield, YTC, Macaulay & modified duration, and DV01 for any fixed-income bond.
College Savings
Project future college costs with education inflation and calculate monthly savings needed.
I Bond vs HYSA
Compare inflation-adjusted I Bond returns against high-yield savings accounts.
Debt & Credit
Loan Payoff
Compare baseline and accelerated payoff plans with interest-savings visibility.
Debt Payoff Strategy
Compare snowball, avalanche, and hybrid debt plans with timeline impact.
Debt-to-Income
Calculate front-end and back-end DTI plus borrowing capacity.
Debt Consolidation
Compare a consolidation loan against your current debt stack by payment, payoff speed, and total cost.
Student Loan Repayment
Model baseline and accelerated repayment paths with autopay discounts and extra payments.
HYSA vs Debt
Decide whether to keep cash in savings or pay down debt by comparing after-tax yield vs APR drag.
Balance Transfer
Check if a balance transfer saves money after fees and promo timing.
BNPL Stacking
See when stacked BNPL plans get risky and what they really cost if payments slip.
Medical Bill Path
Compare discounts, provider plans, and financing so you can pick the cheapest path with the least pain.
Auto Refinance
Check if refinancing saves money after fees, penalties, and term changes.
Credit Card Payoff
Calculate credit card payoff timeline, total interest, and compare minimum vs. fixed payment strategies.
Credit Utilization
Calculate credit card utilization ratio and see how it affects your credit score.
Auto Loan
Calculate monthly car payments, total interest, and cost of ownership.
Loan Forgiveness
Track PSLF or IDR forgiveness progress and model the forgiveness tax bomb.
BNPL Tracker Pro
Track multiple BNPL plans with payment calendar and cash flow stress test.
Housing
Mortgage Affordability
Estimate comfortable and maximum home-price ranges from income and debt.
Mortgage Payment
Estimate monthly housing cost and full-term interest from principal, tax, insurance, and HOA assumptions.
Rent vs Buy
See when buying pulls ahead of renting after equity, monthly cost, and invested cash are all counted.
Rent Increase vs Move
See when staying costs more than moving with clear horizon totals.
HELOC Payment
Calculate available credit line, interest-only draw payments, and amortizing repayment payments for a home equity line of credit.
Payoff Accelerator
See how extra mortgage payments and lump sums reduce total interest and shorten your payoff timeline.
House Hack
Calculate net housing cost when you live in one unit and rent others.
Renovation ROI
Estimate return on investment for common home renovation projects.
Downsizing
Calculate equity freed, monthly savings, and projected portfolio growth from downsizing your home.
Tax
Side Hustle Tax
Estimate side-income tax impact and set monthly and quarterly reserves.
Gig Tax Set-Aside
Set practical monthly and quarterly tax reserves for variable income.
Tax Bracket
Find your 2025 federal marginal bracket, effective rate, and per-bracket tax breakdown.
Paycheck Take-Home
Estimate net take-home pay after federal and state income tax, FICA, and pre-tax deductions.
HSA Triple Tax
Model tax-deductible contributions, tax-free growth, and tax-free withdrawals.
Equity Comp
Compare ISOs vs NSOs, model AMT triggers, and evaluate 83(b) elections.
Tax-Loss Harvest
Estimate tax savings from harvesting investment losses against capital gains.
Insurance
Budgeting
Inflation Impact
Measure purchasing-power erosion and salary-growth gaps over time.
Real Raise
See whether your raise beats inflation and how your real purchasing power changes over time.
Emergency Fund
Set personalized emergency-fund targets and timeline to reach safety levels.
Emergency Fund Runway
Estimate emergency runway under stress and how long rebuild will take.
Variable-Income Buffer
Turn irregular income into a steady monthly paycheck with buffer planning.
Electricity Plan Switch
Compare electricity plans with your real usage, fees, and break-even point.
Childcare vs Take-Home
Measure take-home impact after childcare, taxes, and commute costs.
Subscription Audit
Rank subscriptions by cost-per-use and invested-instead opportunity cost.
Subscription Risk
See which subscriptions to cut first after a price hike and how much you save.
Tip Calculator
Calculate tip amounts and split bills evenly or by custom shares.
50/30/20 Budget
Apply the 50/30/20 budgeting rule and compare with your actual spending to optimize your budget.
Lifestyle Creep
Track spending growth vs income across raises to reveal savings rate erosion and FI timeline impact.
Subscription Audit Pro
Audit subscriptions with category benchmarks and annual savings projections.
Retirement
FIRE
See how long financial independence could take and how sensitive the plan is to savings and returns.
Retirement
Model retirement targets, coast checkpoints, and contribution gaps.
Roth vs Traditional IRA
Compare after-tax retirement outcomes with configurable current and future tax assumptions.
401(k) Match
Find how much employer match you capture and how much long-term value is left unclaimed.
SS Break-Even
Calculate when delaying Social Security pays off vs claiming early with cumulative lifetime benefit comparison.
Backdoor Roth
Model backdoor conversions with pro-rata rule check and conversion ladder.
Pension vs Lump Sum
Compare pension annuity vs lump sum with present value and life expectancy.
SS Claiming Strategy
Compare claiming at 62, 67, and 70 with breakeven ages and spousal benefits.
Inherited IRA RMD
Calculate required distributions under the 10-year rule with tax planning.
FIRE & Independence
Expat FIRE
Calculate FIRE number adjusted for destination country CoL, healthcare, and tax treaties.
Coast FIRE
Find minimum part-time income when your portfolio is on track to grow untouched.
Barista FIRE
Calculate minimum low-stress job income when portfolio covers most spending.
Lean vs Fat FIRE
Compare lean and fat FIRE targets, timelines, and withdrawal safety side by side.
Withdrawal Strategy
Compare 4% rule vs variable withdrawals with guardrails and sequence risk.
Coast FIRE Number
Find the exact amount you need invested today so you never have to save another dollar.
Spending Stress Test
Test portfolio survival at different spending rates with projected balances at 10, 20, and 30 years.
Healthcare Bridge
Calculate total healthcare gap cost between early retirement and Medicare eligibility.
Part-Time FIRE
See how part-time income extends your portfolio and reduces withdrawal pressure.
Freelancer & Gig
Freelancer Retirement
Plan retirement with irregular income, no employer match, and self-employment tax.
Side Hustle Break-Even
Find when your side project pays for time and money invested vs a raise.
Invoice Gap
Model cash flow gaps from net 30/60/90 payment delays and buffer needed.
Gig Tax Pro
Calculate quarterly tax across platforms with penalty estimator and safe harbor.
Variable Income Budget
Budget with irregular income using rolling averages and worst-month buffers.
Expat & Global
Nomad Tax
Compare tax burden across countries with FEIE, treaties, and totalization.
Geo Arbitrage
See how a remote salary stretches further in a lower cost-of-living city.
Tax Treaty
Compare estimated tax burden between countries with treaty provisions and combined rates.
Nomad Budget
Estimate monthly costs across 20 popular nomad cities at three lifestyle levels.
FEIE vs FTC
Compare FEIE and FTC to find which method saves more on US expat taxes.
Country FIRE Compare
Compare FIRE numbers, healthcare, visa, and tax friendliness across 20 retirement destinations.
Life Transitions
Divorce Split
Model asset division scenarios including property, retirement, and pension splitting.
Parental Leave
Plan for the income gap during parental leave with benefits and childcare costs.
Career Break
Calculate savings needed for a sabbatical with healthcare and re-entry costs.
Eldercare Cost
Compare in-home, assisted living, and nursing home costs with family splits.
First-Gen Wealth
Milestone tracker for building wealth from zero with no inheritance.
Military to Civilian
Convert military pay including BAH, BAS, and tax-free allowances to civilian equivalent.
Couples Money
Compare joint, separate, and hybrid accounts with fair income-ratio splits.
Nanny vs Daycare
Compare all-in childcare costs including payroll taxes and flexibility value.
Job Offer Compare
Compare total compensation across job offers including equity, benefits, and tax.
Relocation Impact
Estimate net financial impact of moving with CoL, tax, and housing deltas.
Layoff Runway
Calculate months of financial runway after a layoff with severance and benefits.
Sabbatical Planner
Plan the full cost of a career break including expenses, income offset, and job search buffer.
Return to Work
Calculate real take-home pay after childcare, commute, and work costs.
Inheritance Planning
Model after-tax, after-debt inheritance value and project long-term investment growth.