All Personal Finance Calculators

Eleven free calculators covering every major US personal finance goal — each powered by instant AI financial coaching.

Multi-Card Debt Elimination

Compare Debt Avalanche vs. Debt Snowball side-by-side and calculate 0% APR balance transfer savings.

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Paycheck & Take-Home Pay

Calculate net take-home paycheck after Federal, FICA, State taxes, 401(k), and health deductions.

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Credit Card Debt Payoff

Calculate months to debt freedom and interest saved with 0% APR balance transfers.

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Mortgage Calculator

Principal & interest, property taxes, home insurance, PMI, and year-by-year amortization table.

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Retirement Calculator

Nest egg projection, 4% withdrawal income rule, and monthly savings gap analysis.

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FIRE Calculator

Financial Independence Retire Early number, savings rate %, and age milestone trajectory.

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Roth vs. Traditional IRA

Side-by-side post-tax wealth comparison at retirement using 2025/2026 tax bracket math.

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Loan Payment Calculator

Monthly payment and total interest breakdown for personal loans, auto financing, or student debt.

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Emergency Fund Calculator

Ideal safety net target for 3-12 months of expenses and high-yield savings APY compounding timeline.

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Home Affordability Calculator

Maximum affordable home price based on gross monthly income, debt payments, and 28/36 DTI rules.

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College Savings Calculator

Projected 4-year tuition inflation and monthly 529 plan savings required to cover costs.