Category: Tools

Run your retirement plan through 10,000 simulated futures: see the chance your savings last and the spending that lasts in 90% of them. Free,…

Short answer: claiming Social Security at 62 instead of your full retirement age (67 for anyone born 1960 or later) permanently cuts your check…

Short answer: tell this calculator the goal, what you have, and what you save monthly, and it answers the two questions people actually ask…

Short answer: a Roth IRA’s superpower is that growth is never taxed again if withdrawals are qualified — and over decades the growth dwarfs…

Short answer: a Roth conversion is a bet on tax rates — yours, later, versus yours, now. Under this tool’s assumptions, converting wins only…

Short answer: enter what you started with, what you added each month, how long it ran, and what it’s worth now. You get your…

Short answer: “how much do I need to retire?” has two halves — what you’ll have, and what you’ll need. This calculator does both…

Short answer: a rental “deal” is what’s left after vacancy, taxes, insurance, maintenance, management, and the mortgage — never the gross rent. Example below:…

Short answer: the winner depends mostly on how long you stay — and on two assumptions (home price growth and the return on invested…

Short answer: a refinance is worth it when both tests pass — you recover the closing costs reasonably fast (the break-even month), and the…

Short answer: net worth = everything you own minus everything you owe. Add your assets and debts, and this calculator also shows your liquid…

Short answer: extra principal is the closest thing to a guaranteed return in personal finance — every extra dollar removes a dollar of balance…

Short answer: your mortgage payment is not just principal and interest — it’s PITI (principal, interest, taxes, insurance), plus HOA and PMI where they…

Short answer: this loan calculator shows your monthly payment, the total interest over the life of the loan, and your payoff date — plus…

Short answer: inflation quietly shrinks what a dollar buys. Enter an amount, a time horizon, and an inflation rate, and this calculator shows both…

Short answer: on a $95,000 salary filing single in 2026, your estimated federal income tax is $12,070 — a 22% marginal rate, but only…

Short answer: a HELOC has two lives. During the draw period (often 10 years) you pay interest only — on $50,000 at 8.5%, that’s…

Short answer: your FIRE number is your annual spending divided by your withdrawal rate — at the classic 4%, that’s 25× spending. Example below:…

Short answer: multiply your essential monthly expenses by the months of cover you want — that’s your target. This calculator shows the target, your…

Short answer: your debt-to-income ratio is your monthly debt payments divided by your gross monthly income. Lenders watch two versions: housing-only (front-end, guide ≤…

Short answer: enter your shares, price, yield, and how fast you expect the dividend to grow, and this calculator projects your income year by…

Short answer: with the avalanche method (highest interest rate first) you almost always pay less interest; with the snowball method (smallest balance first) you…

Short answer: investing the same amount every month is called dollar-cost averaging — but this calculator answers the question that matters more: what do…

Short answer: enter your balance, APR, and what you can pay each month, and this calculator gives you the three numbers that matter —…

Short answer: you’ve hit Coast FIRE when the money you’ve already invested will compound — with zero further contributions — into your full retirement…

Short answer: a CD’s APY already includes compounding, so your maturity value is deposit × (1 + APY) raised to the term in years.…

Short answer: the 50/30/20 rule splits your take-home pay into 50% needs, 30% wants, and 20% savings and debt payoff. On $5,200 a month…

Short answer: the sticker price is not what a car costs. This calculator adds the sales tax, subtracts your down payment and trade-in, and…

Short answer: APY is what you actually earn after compounding; APR is the plain rate before it. This converter works both directions. Example: a…

Short answer: your 401(k) outcome is driven less by investment picks than by two numbers — your contribution rate and whether you capture the…

Short answer: this calculator shows what regular monthly deposits grow into when compound interest does the heavy lifting. Example: $1,000 to start plus $300…