Tools
Calculators that answer a real question
Money decisions get a lot calmer when you can actually see the numbers. These run entirely in your browser, no account, nothing tracked inside the tool, no ad maze. The finished ones are marked Live; more are on the way.
Available now
Time Value of Money Calculator
See what a lump sum plus steady contributions could grow into over time at a given rate.
Open calculatorLoan Payment Calculator
Estimate the monthly payment, total interest, and total cost of a fixed-rate loan.
Open calculatorEarly Loan Payoff Calculator
Start from your current balance and see what extra payments do to the interest and your debt-free date.
Open calculatorCompound Interest Calculator
Watch how a starting balance and regular deposits compound across the years.
Open calculatorEffective Tax Rate Calculator
See the gap between your top tax bracket and the rate you actually pay on the whole.
Open calculatorS-Corp vs. LLC Tax Calculator
Estimate the self-employment tax an S-Corp election could save once profit clears your salary.
Open calculatorMonthly Cash Flow Snapshot
Money in versus money out, measured against the 50/30/20 guideline, with a saving floor and emergency fund target in your own dollars.
Open calculatorIn the pipeline
These are planned, not pretend. Each is labeled clearly so nothing here fakes functionality before it's ready.
Mortgage Payment Calculator
Break down a mortgage payment, including the way taxes and insurance change the real number.
Dividend Income Estimator
Estimate annual income from a dividend portfolio at a given yield, with reinvestment.
Credit Card Rewards Value Calculator
Weigh rewards earned against annual fees to see whether a card actually pays off.
Debt Payoff vs. Invest Comparison
Compare paying down debt against investing the same money at an assumed return.
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Real life money questions, worked through one case study at a time. Plain English, no hype.