Tools

Financial calculators

Fast, educational tools for investing, debt payoff, retirement, housing, crypto, precious metals, cash yield, and AI investing costs.

Free money calculators for clearer decisions

These calculators are built as educational planning tools. They help translate headlines about rates, inflation, market returns, debt, and AI investing fees into plain-English numbers you can test. Each page includes assumptions, use cases, limitations, and related topics so readers understand what the result means — and what it does not mean.

Investing

6 tools

Compound Interest Calculator

Estimate how money can grow with regular contributions, compounding, and time.

Dividend Income Calculator

Estimate current and future dividend income, taxes, quarterly cash flow, and the investment needed for an income target.

Dollar-Cost Averaging Calculator

Estimate how recurring investments might accumulate over time under an assumed return.

Portfolio Rebalancing Calculator

Estimate buy/sell amounts needed to return a portfolio to target allocations.

ETF Fee Calculator and Expense Ratio Comparison

Compare two ETF expense ratios and estimate their long-term effect on investment value, including monthly contributions.

Investment Drawdown Recovery Calculator

See the gain required to recover from a portfolio loss and test recovery timelines.

Economy

1 tools

Inflation Calculator by Year

Convert U.S. dollar buying power between 1913 and 2025 with official annual CPI-U data, or estimate a future cost under your own inflation assumption.

Crypto

2 tools

Crypto Profit Calculator

Estimate crypto gains or losses after buy price, sell price, quantity, and trading fees.

Crypto DCA Calculator

Estimate recurring crypto purchases, fees, average cost, and break-even price.

Gold/Silver

1 tools

Gold & Silver Value Calculator

Calculate precious metal holdings by spot price, weight, purity, and dealer premium.

Housing

4 tools

Mortgage Calculator With Taxes, PMI & HOA

Estimate a full monthly mortgage payment, including principal, interest, property taxes, homeowners insurance, PMI, and HOA dues.

Rent vs Buy Calculator

Compare monthly rent with estimated ownership payment and upfront housing costs.

Mortgage Extra Payment Calculator

Compare regular payments with monthly and one-time extra principal, including the estimated payoff date, months saved, and interest avoided.

Mortgage Refinance Break-Even Calculator

Estimate monthly savings and how long closing costs may take to recover after refinancing.

AI Investor Watch

2 tools

AI Investor Watch

AI Bot Fee Calculator

See how much a trading bot must outperform just to cover subscription and trading fees.

AI Investor Watch

AI Stock Picker ROI Calculator

Compare an AI stock picker subscription against benchmark-style investing after fees.

Personal Finance

3 tools

Personal Finance

Net Worth Calculator

Add up assets and debts to estimate household net worth and debt ratio.

Personal Finance

Emergency Fund Calculator

Estimate how much emergency cash you may want based on monthly expenses and runway.

Personal Finance

Savings Goal Calculator

Estimate how long it may take to reach a savings target with monthly contributions.

Debt

5 tools

Debt Payoff Calculator

Estimate payoff time and interest for a debt using balance, APR, and monthly payment.

Credit Card Payoff Calculator

Estimate interest cost and payoff time for credit card debt with extra payments.

Auto Loan Calculator With Taxes and Fees

Estimate a car payment from the out-the-door price, including sales tax, fees, add-ons, cash down, trade-in value, and negative equity.

Student Loan Payoff Calculator

Estimate student loan payoff time and interest with extra monthly payments.

Debt Avalanche vs Snowball Calculator

Compare first-step interest savings from targeting the highest APR versus the smallest balance.

Retirement

6 tools

Retirement Savings Calculator

Estimate whether current savings and contributions could reach a retirement target.

FIRE Number Calculator

Estimate a financial independence target from annual spending and withdrawal rate.

401(k) Match Calculator

Estimate employer match value and the contribution needed to capture it.

Roth vs Traditional Calculator

Compare after-tax retirement value using current and future tax-rate assumptions.

Social Security Break-Even Calculator

Estimate the age when a larger delayed Social Security benefit catches up with checks collected earlier.

Retirement Withdrawal Calculator With Social Security

Estimate how long retirement savings may last after Social Security or pension income, spending, returns, inflation, and time.

Taxes

1 tools

Capital Gains Tax Calculator

Estimate taxable gain and rough federal tax using purchase price, sale price, and tax rate.

Cash & Bonds

3 tools

CD & Treasury Yield Calculator

Estimate interest earned from CDs, T-bills, or high-yield savings over a term.

Bond Price Change Calculator

Estimate approximate bond price sensitivity to interest-rate changes using duration.

Tax-Equivalent Yield Calculator

Compare a municipal bond with a taxable bond, CD, or Treasury using separate federal and state tax assumptions.