Financial tools & calculators

Monthly payment with taxes and insurance, total interest, and payoff by term.

New payment and monthly savings, the simple break-even lenders quote, the true break-even that counts your balance, and what a term reset really costs.

Net cost of buying vs renting over the years you plan to stay — every ownership cost, equity at sale, what your down payment could earn instead, and the break-even year.

Keep your mortgage and add a HELOC, or refinance the whole balance for cash? Total cost over your horizon, the hidden cost of re-pricing your existing balance, and the HELOC payment jump after the draw period.

Maximum home price from your income, debts and down payment under 28/36, 36/43 or FHA-style guidelines — full payment with PMI, and comfortable vs stretch side by side.

Net paycheck after 2026 federal tax, Social Security, Medicare, state tax, 401(k) and health deductions.

Monthly car payment from price, down payment, trade-in, tax, fees and APR — plus what a longer term really costs.

Estimate your FICO score range. See how each factor affects your score and get tips to improve.

Up to 10 cards and one monthly budget: months to debt-free, total interest and payoff dates for the avalanche, the snowball and minimums only — with the month-by-month schedule.

Growth of a lump sum plus monthly contributions at any rate and compounding frequency, with a year-by-year table.

Full planner: savings and salary today, raises, employer match, one-time inflows, separate pre/post-retirement returns, inflation and Social Security — with a year-by-year drawdown that shows whether the money lasts, your number, your FI age, and the monthly saving to get there.

Federal tax on converting a traditional IRA or 401(k) using 2026 brackets, after-tax value of converting vs not, the break-even withdrawal rate — plus traditional vs Roth 401(k) vs taxable for new savings.

Split after-tax income into needs, wants and savings, then check whether your essential bills fit.

Monthly payment for any fixed-rate loan, prepayment savings and a full amortization schedule. 10 currencies.

Systematic investment planner: step-up contributions, SWP withdrawals and inflation-adjusted returns. 10 currencies.