Money calculators that show their work.
Free, fast tools for the decisions that actually move your finances: when you can stop saving, which debt to kill first, whether a mortgage recast pays off. Every formula is explained on the page.
Retirement & investing
Barista FIRE Calculator
How much you need to semi-retire with part-time income covering the gap.
Coast FIRE Calculator
How much you need invested today to stop saving and still retire on time.
FIRE Number Calculator
How much you need to retire early, and how long it will take to get there.
Debt payoff
Balance Transfer Calculator
Real savings of a 0% balance transfer after fees, and the payment to clear it in time.
Credit Card Minimum Payment Calculator
How long and how much interest if you only pay the minimum on a card.
Debt Snowball vs Avalanche Calculator
Compare both payoff methods: debt-free date, interest and payoff order.
Mortgage & home
Biweekly Mortgage Payment Calculator
Years and interest saved by paying half your mortgage every two weeks.
Debt-to-Income Ratio Calculator
Your DTI ratio and how it compares with common mortgage lending limits.
Extra Mortgage Payment Calculator
Years and interest saved by paying extra toward your mortgage principal.
Mortgage Recast Calculator
New payment, interest saved and fee break-even after a lump-sum recast.