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Every calculator.
Get the answer you need using a range of free calculators below.
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Housing
Career
Health
Retirement
Auto
Debt
Savings
Housing
7 calculators
Rent vs. buy
Break-even year and true net cost comparison over your timeline. Includes opportunity cost.
How much house can I afford?
Beyond the bank's pre-approval — what payment is actually comfortable for your budget?
Refinance break-even
How many months until the savings from refinancing offset your closing costs?
HOA true cost
What an HOA actually adds to total lifetime ownership cost — not just the monthly fee.
Home repair vs. sell
Is it worth fixing up before listing, or should you sell as-is and let the buyer deal with it?
Moving cost vs. staying put
Full relocation cost vs. staying and renovating. Which actually makes more financial sense?
Career
6 calculators
Job offer comparison
Convert salary, benefits, commute, and PTO into one true annual number.
Is grad school worth it?
ROI by field, school cost, years of lost income, and expected salary bump.
Self-employed vs. W-2
True take-home after taxes, self-employment costs, benefits, and retirement contributions.
Salary negotiation ROI
The lifetime cost of not negotiating your first offer. The number will surprise you.
Side hustle viability
Hours needed to hit your income goal after taxes, expenses, and platform fees.
Childcare vs. second income
Does the second salary actually net positive after childcare, taxes, and commuting?
Health
4 calculators
HDHP vs. PPO
Which health plan costs less based on your actual doctor visits, prescriptions, and HSA math?
HSA growth calculator
How much your HSA could be worth at retirement if you invest it instead of spending it.
COBRA vs. marketplace
Which coverage option is actually cheaper after a job loss or life change?
Long-term care insurance
Is long-term care insurance worth buying at your age? Break-even and expected value.
Retirement
5 calculators
Can I retire early?
Your FIRE number, safe withdrawal rate, and exactly how many years until financial independence.
Roth vs. traditional IRA
Which account wins based on your current vs. expected future tax rate? The math may surprise you.
Social Security timing
Optimal age to claim based on your life expectancy and break-even analysis.
Pension vs. lump sum
Which option is worth more in today's dollars, accounting for life expectancy and investment return?
529 college savings
Monthly savings needed to cover X% of college costs, with tax-advantaged growth projections.
Auto
3 calculators
Buy vs. lease a car
True 5-year cost including depreciation, financing, mileage limits, and end-of-lease fees.
EV vs. gas break-even
How long until an electric vehicle pays off vs. a comparable gas model, based on your driving habits.
New vs. used car
Depreciation curves and real long-term savings of buying used vs. new off the lot.
Debt
3 calculators
Debt payoff priority
Avalanche vs. snowball — which saves more interest and how long each strategy takes?
Student loan repayment
Standard vs. income-driven vs. refinancing — total cost and payoff timeline for each option.
Balance transfer calculator
Is a 0% balance transfer worth it after transfer fees? Break-even and total savings.
Savings & Investing
5 calculators
Compound interest
See how your money grows over time — and how much of the final total is pure interest.
Investment growth
Project a portfolio's future value and see exactly how much fees quietly cost you.
Savings goal
How long it takes to reach a target at your current pace, including interest earned.
Emergency fund
Find your ideal safety-net size and how many months until it's fully funded.
Inflation impact
What your money will really be worth in the future — and why cash loses value.