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 dividend income from investment amount, yield, time, and dividend growth.

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 Drag Calculator

Estimate how expense ratios can change long-term investment value and net returns.

Investment Drawdown Recovery Calculator

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

Economy

1 tools

Inflation Calculator

See how inflation changes buying power over time and estimate future costs.

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 Payment Calculator

Estimate monthly mortgage payment, interest, taxes, insurance, and total interest.

Rent vs Buy Calculator

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

Mortgage Extra Payment Calculator

Estimate payoff time and interest savings from monthly or one-time extra mortgage payments.

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

Estimate car payment, total interest, and out-the-door cost after taxes and down payment.

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

Compare simplified early and delayed claiming benefits and estimate the break-even age.

Retirement Withdrawal Calculator

Stress-test how long a portfolio may last under withdrawals, returns, and inflation.

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 tax-exempt and taxable yields using federal and state tax-rate assumptions.