Mortgage calculator
Estimate the full monthly cost of a home—including principal, interest, taxes, insurance, HOA, and PMI.
Open calculatorMoney math,
without the maze.
Clear answers for buying a home, growing savings, clearing debt, understanding your paycheck, and planning financial independence.
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Compound interest
See how a starting balance and steady contributions can build over time.
Open calculatorDebt payoff
Compare snowball and avalanche strategies, then see your payoff order and timeline.
Open calculatorTake-home pay
Turn annual salary into an estimated paycheck after taxes, benefits, and deductions.
Open calculatorFIRE retirement
Explore Full, Barista, and Coast FIRE paths and estimate when your portfolio could reach the goal.
Open calculatorRent vs buy
Compare the monthly and total cost of buying a home against renting over the years you plan to stay.
Open calculatorEmergency fund
Set a 3–12 month savings target from your expenses and get a monthly plan to close the gap.
Open calculatorCar loan
Monthly payment, total interest, and full cost of a car — plus a check against your income.
Open calculatorLearn the why behind the math
Plain-English guides with the methodology each calculator runs on.
How much house can you afford?
The 28/36 rule lenders use, what PITI really includes, and a worked example from a $120k salary.
Read the guideCompound interest, explained
The formula, why starting early beats investing more, and the Rule of 72.
Read the guideAvalanche vs. snowball
Which debt payoff method wins on math, which wins on motivation — and when to use each.
Read the guideWhy your paycheck is smaller than your salary
Federal tax, FICA, state tax, and every deduction — in the order they leave your pay.
Read the guideHow to calculate your FIRE number
The 25x rule, Coast and Barista FIRE, and what the rule doesn't tell you.
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