Tools
Run your own numbers.
Calculators built to the same standard as the reference: the formula on the page, every input explained, a worked example you can check by hand — and a link that reopens your exact numbers.
Savings
5 toolsEveryday money
7 tools- 06Real hourly wagewhat an hour of your life actually pays
- 07True cost of a purchasea purchase in work hours and retirement dollars
- 08Cost per usewhether the cheap or the quality version wins
- 09Subscription auditwhat your subscriptions cost a year, and invested
- 10Quit and investa daily habit redirected into an index fund
- 11Return-to-office costwhat going back to the office costs you a year
- 12Value of a raisewhat one raise is worth over a whole career
Mortgages & home
5 tools- 13Mortgage paymentthe full monthly payment, PITI and all
- 14Refinance break-evenwhether refinancing pays for its costs
- 15Mortgage affordabilitythe home price your income supports
- 16Rent vs buywhich is cheaper over your time in the home
- 17Extra mortgage paymentsthe interest and years an extra payment saves
Debt & credit
5 tools- 18Credit card payoffhow long your balance really takes to clear
- 19Debt avalanche vs snowballyour debt-free date under both methods
- 20Auto loanyour car payment with tax, trade-in and fees
- 21Student loanyour payoff date and the cost of extra payments
- 22Debt-to-income ratiothe ratio lenders use to approve you
Investing
5 toolsRetirement
7 tools- 28Retirement savingswhether your savings are on track
- 29Coast FIREthe number that lets you stop saving
- 30401(k) & matchyour 401(k) at retirement, match included
- 31Roth vs traditional IRAwhich account leaves you more after tax
- 32RMDthe minimum you must withdraw, and the tax on it
- 33Roth conversionwhether converting to Roth now pays off
- 34Social Security timingwhether claiming early or late pays off