Categories

Grouped by the decision you are actually making, not by the formula behind it.

Grow what you keep

Saving & investing

Compounding, savings goals, cash buffers and the plain arithmetic of net worth.

· Compound interest calculator
· Savings goal planner
· Emergency fund calculator
· Net worth calculator

49 tools →

Get out faster, pay less

Debt & credit

Loan payments, payoff order and the real cost of carrying a balance.

· Loan payment & amortization
· Debt payoff planner
· Credit card payoff calculator
· Minimum payment calculator

28 tools →

The biggest number you will decide

Housing

What a lender will support, and whether owning actually beats renting for you.

· Mortgage affordability calculator
· Rent vs buy comparison
· Mortgage payment calculator
· Mortgage overpayment calculator

27 tools →

Turn a balance into an income

Retirement

Long-horizon projections, employer matches and withdrawal maths.

· Retirement projection
· Roth IRA vs Traditional IRA calculator
· Workplace pension & match calculator
· Safe withdrawal rate calculator

25 tools →

What you earn, after everything

Income & pay

Hourly conversions, take-home estimates and what a raise is really worth.

· Salary to hourly converter
· Take-home pay estimator
· Pay rise impact calculator
· Hourly to annual salary calculator

28 tools →

Make idle cash work

Banking & rates

Interest, APY comparisons, CDs and the quiet damage inflation does to savings.

· Simple interest calculator
· Savings account interest calculator
· CD & fixed deposit calculator
· Savings rate comparison

38 tools →

Estimate before it lands

Taxes

Sales tax, VAT, capital gains, property tax and what a bonus really pays.

· Sales tax calculator
· VAT calculator
· Capital gains tax calculator
· Self-employment tax estimator

34 tools →

Pricing, margins and payback

Small business

Break-even volume, margins, freelance rates and the cost of winning a customer.

· Break-even calculator
· Profit margin calculator
· Markup & selling price calculator
· ROI calculator

38 tools →

The true cost of getting there

Auto & travel

Car affordability, fuel, depreciation, commuting and trip budgets.

· Car affordability calculator
· Car lease vs buy
· Fuel cost calculator
· True cost per mile

33 tools →

Fund it, or pay it off

Education

Student loan payoff and refinancing, college savings and tuition inflation.

· Student loan payoff calculator
· Student loan refinance calculator
· College savings calculator
· Tuition inflation calculator

12 tools →

Cover the gap, not the sales pitch

Insurance & protection

How much life cover you need, plan costs and income protection maths.

· Life insurance needs calculator
· Term vs whole life comparison
· Health plan cost calculator
· Income protection gap calculator

13 tools →

The small numbers that add up

Everyday money

Tips, discounts, unit prices, subscriptions and the household budget.

· Tip and bill split calculator
· Discount and sale price calculator
· Unit price comparison
· Subscription audit

26 tools →

Yields, equity and cash flow

Property investing

Rental yield, cash-on-cash returns, refinancing and the cost of buying.

· Rental yield calculator
· Cash-on-cash return
· Buying costs calculator
· Home equity projection

25 tools →

Fund the things ahead

Life planning

Weddings, babies, moves, sabbaticals and long-horizon savings goals.

· Wedding budget calculator
· Cost of a baby, first year
· Moving cost calculator
· Career break runway

26 tools →

Price your time properly

Work & freelancing

Overtime, offers, day rates, invoicing terms and business runway.

· Overtime pay calculator
· Contractor vs employee
· Value of paid leave
· Job offer comparison

27 tools →

Volatility, in numbers

Crypto & risk

Averaging in, staking, fees, impermanent loss and recovering from drawdowns.

· Crypto averaging-in calculator
· Staking rewards calculator
· Mining profitability
· Crypto allocation sizing

16 tools →