Free financial calculators and simulators: mortgage, investing, budgeting, retirement, loans, and credit. Interactive tools for planning—education only, not professional advice.
In this release
No paywall
Use instantly
Not advice
Start here
Zero-based buckets & 50/30/20
Build a monthly plan with needs, wants, savings, and debt buckets—track what’s left and export a snapshot for review.
Every workspace runs in your browser. Pick a category or jump straight to a tool.
01 — Suite
Budgets, buffers, and where your money goes.
Zero-based buckets & 50/30/20
Zero-based buckets & 50/30/20
Build a monthly plan with needs, wants, savings, and debt buckets—track what’s left and export a snapshot for review.
OpenMonths of runway, targets & time-to-goal
Months of runway, targets & time-to-goal
Estimate how long your cash cushion lasts, set a months-of-expenses target, and see how fast monthly savings can close the gap.
OpenAnnualize autopay & model trims
Annualize autopay & model trims
Add recurring charges by line, see monthly and yearly totals, category bars, an optional trim scenario, and export JSON—awareness for subscriptions and autopay.
Open02 — Suite
Loans, payoff strategies, and credit literacy.
PITI, PMI, amortization & refinance math
PITI, PMI, amortization & refinance math
Advanced home loan calculator with taxes, insurance, PMI lifecycle, full amortization schedules, refinance break-even, and affordability from your DTI.
OpenPayoff curves, extra payments & compare
Payoff curves, extra payments & compare
Amortize auto and personal loans, model extra payments, compare scenarios, and see total interest at a glance.
OpenSnowball vs avalanche & payoff order
Snowball vs avalanche & payoff order
Model multiple debts with minimums and extra payments—compare snowball (smallest balance first) vs avalanche (highest APR first) and see months and total interest.
OpenStandard vs IDR-style payment (illustrative)
Standard vs IDR-style payment (illustrative)
Compare a level standard payment to a simplified income-driven payment using estimated discretionary income—see interest, payment stress, and an illustrative balance path. Not federal servicer math.
OpenFactors, mix & utilization what-ifs
Factors, mix & utilization what-ifs
Educational simulator for utilization, payment history, age of accounts, inquiries, and credit mix—not a real bureau score.
Open03 — Suite
Long-term wealth, independence, and drawdown thinking.
Compound growth, FIRE paths & Monte Carlo
Compound growth, FIRE paths & Monte Carlo
Project wealth with fees and inflation, explore FIRE timelines, stress tests, lump sum vs DCA, and illustrative Monte Carlo bands.
OpenNest egg, withdrawals & longevity
Nest egg, withdrawals & longevity
Estimate how savings and drawdown rules interact—set targets, try contribution paths, and stress-test your retirement timeline.
OpenBalance sheet, FI target & freedom bands
Balance sheet, FI target & freedom bands
Plot net worth, a withdrawal-rate FI number, illustrative progress, lean vs fat spend moons, and a playful freedom band—then export JSON.
Open04 — Suite
Targeted scenarios and niche planning utilities.
