Personal finance calculators
Plain calculators that show their formulas. No sign-up, nothing stored, and each one links to the guide that explains the decision behind it.
Size your emergency fund on core fixed costs and your real job risk, then see how many months it takes to build at your savings rate and what it earns in a high-yield account.
See what a starting balance plus monthly contributions grows to at any rate and horizon, how much of the result is your money versus interest, and a year-by-year table.
Estimate the home price you can afford from income, debts, down payment and today's mortgage rate using the 28/36 rule lenders actually apply, with taxes, insurance and HOA included.
Compare the full cost of buying a home against renting and investing the difference over the years you plan to stay, including transaction costs, appreciation, maintenance and opportunity cost.
Enter your debts and an extra monthly payment to see how long payoff takes and how much interest you pay with the avalanche (highest APR first) and snowball (smallest balance first) methods.