Make Smarter Financial Decisions.

Home affordability

Estimate a purchase budget from income, monthly debts, and cash you want to keep in reserve. The result is a planning range, not a preapproval.

Rent vs. buy

Compare the net cost of renting with buying over a horizon you choose, including opportunity cost and selling costs. A lower net cost in the model is not a recommendation to buy or rent.

Loan

Estimate payment, interest, and payoff on a fixed-rate amortized loan from the amount and APR you enter. A lower payment from a longer term is not treated as a lower cost.

Home equity

Estimate equity, max borrow, and HELOC or home equity loan payments from values you enter. A higher max borrow in the model is not a lender approval.

Mortgage refinance

Compare keeping a current loan with a new fixed-rate loan, including closing costs, break-even, and a cash-out case. A lower payment is not treated as a guaranteed saving.

Auto loan

Estimate a vehicle payment, trade-in equity, and the interest on a fixed-rate monthly loan. A lower payment from a longer term is not treated as a lower cost.

Credit card payoff

Estimate how many months a card balance takes to pay off and what it costs in interest, with a minimum-versus-fixed comparison and a balance transfer what-if. A paid-off date in the model is not a statement from your issuer.

Student loan

Compare standard, graduated, and extended repayment plans for a balance and rate you enter, plus a rough income-based estimate. A lower payment is not treated as a lower cost, and nothing here is an eligibility check.

ARM calculator

Estimate an adjustable-rate payment from a starting rate, a product, caps, and a scenario rate. Later payments follow that scenario. They are not a forecast of a future index.

Mortgage payoff

See how extra principal changes the payoff date on a fixed monthly loan. The scheduled payment stays the same. This is not a payoff quote from a servicer.

Debt payoff

Compare a highest-rate order with a smallest-balance order for the balances and minimums you enter. A lower interest total in the model is not a payment plan from a creditor.

Investment property

Estimate rental cash flow from rent, vacancy, operating expenses, and a fixed-rate loan payment. A lower loan payment is not treated as a higher return after tax.

Inflation

See how an inflation rate you enter changes future costs and purchasing power over a horizon you choose. The rate is never pulled from official CPI data on this page.

Savings goal

Estimate the deposit needed to reach a goal by a target date, or how long it takes at a fixed deposit and return you enter. A higher return in the model is not a forecast.

Roth IRA

Project a Roth IRA balance at retirement and a simplified Roth vs traditional after-tax comparison from tax rates and limits you enter. Nothing here is tax advice or an eligibility check.

Compound interest

Project a balance from a starting amount, contributions, and a rate you enter. A higher rate in the model is not treated as a forecast of an investment return.

Retirement

Project savings toward a goal from a current balance, monthly contributions, and a rate you enter. A higher balance in the model is not treated as a retirement plan.

401(k)

Project a 401(k) balance at retirement from your contribution, an employer match, and a return you enter. A higher balance in the model is not a forecast or investment advice.

Emergency fund

See how much of an essential-expense target is already saved, and when a monthly contribution reaches it. The month count is a rule of thumb you can change, not a requirement.

Budget

Split monthly take-home pay into needs, wants, and savings, and compare optional actual spending. The split is a preset you can change, not a budget you must follow.

High-yield savings

Project a savings or CD balance from an APY, compounding, and deposits you enter. Rates are numbers you type, not live quotes, and interest may be taxable.

Net worth

Add the assets and debts you enter, then see a simple projection. The snapshot is not a statement of what you own.

FIRE

Estimate a financial-independence number from spending and a withdrawal rate you choose, and how many years of saving reach it.

College savings

Compare example college costs with monthly savings. The tuition figures are examples, and 529 tax benefits are not calculated.

Social Security

A rough monthly benefit at 62, full retirement age, and 70. Check your statement at ssa.gov. This is not an official benefit calculation.

Why use these calculators

• Free to open. No account is required.
• Assumptions sit next to the result, including dated program fees.
• Scenarios update as you change the inputs.
• Payments, interest, and the schedule are shown separately.
• The mortgage calculator is laid out for a phone as well as a desk.