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41 calculators, no sign-up. Each one runs in your browser and was checked against an independent calculation in hundreds of cases before it went live.
Free toolsno sign-up · same math as the spreadsheets
Etsy fee calculatorEvery Etsy fee on one sale, what you keep, and the price for a target margin.Rental property calculatorMortgage payment, NOI, cap rate, cash flow and cash-on-cash for one property.Debt snowball vs avalanche calculatorYour debt-free date and total interest, snowball vs avalanche.Mortgage extra payment calculatorInterest and years saved by extra mortgage payments.Sinking fund calculatorHow much to set aside each month for every irregular bill.Net worth calculatorWhat you own minus what you owe, by category.Car loan vs lease calculatorWhich car offer really costs less: net cost, not the monthly payment.FIRE calculatorYears to financial independence, and how your savings rate changes it.Rent vs buy calculatorWhat you'd have after buying vs renting, and the year buying pulls ahead.Refinance calculatorWhen a refinance pays off, and what it costs over the whole loan.Car affordability calculatorThe most car your income supports, by the 20/4/10 rule or your own limits.PMI removal calculatorWhen PMI comes off by each route, and the PMI you'll still pay.Credit card minimum payment calculatorHow long minimum payments take, and what a fixed payment saves.Student loan payoff calculatorPayments on 10- and 25-year schedules, and what extra payments save.Mortgage payment calculatorThe full monthly payment: principal, interest, tax, insurance, HOA and PMI.Compound interest calculatorWhat savings plus monthly additions grow to, year by year.Social Security claiming calculatorYour benefit at 62 to 70, break-even ages, and which pays the most.How long will my savings last?The age your savings run out, and the most you can spend to last.Roth vs traditional calculatorWhat Roth vs traditional leaves you after tax, and the break-even rate.Baby budget calculatorSavings month by month through parental leave, and how much more to save.Renovation budget calculatorExpected cost of every job, and how much of your contingency is left.Christmas budget calculatorGifts per person, holiday costs, and how much to save each month.Split expenses calculatorWho owes whom after a group trip, and the payments that settle it.Home affordability calculatorThe most you can pay by the 28/36 rule, with PMI, taxes and closing costs.Emergency fund calculatorYour target, months covered now, and when you'll reach each milestone.Moving cost calculatorMover quotes on the same total, and the cash you need on moving day.College savings calculatorProjected savings vs the real cost of college, and the monthly amount that closes the gap.Pet cost calculatorA typical year, the first year and the lifetime cost of a dog or cat.401(k) match calculatorBalance and income at retirement, the match you're missing, and the contribution that reaches your goal.Paycheck budget calculatorWhich paycheck pays which bill, what's left, and the months with an extra paycheck.Subscription cost calculatorEvery billing cycle on one yearly cost, and what cancelling would save.Invoice aging calculatorOutstanding vs overdue, aging buckets, and what each client owes.Health plan cost calculatorPremiums plus care, minus HSA money and tax saved: the cheapest plan at every level of spending.FSA calculatorThe tax you save vs what you could forfeit, for every election.HSA calculatorContributions under the limit, tax saved, and your balance at 65.50/30/20 budget calculatorSplit take-home pay into needs, wants and savings, and check your actual spending.Wedding budget calculatorA typical split of your wedding budget and your cost per guest.Airbnb occupancy calculatorMonthly occupancy and payout per night, with stays split correctly across months.Freelancer tax set-aside calculatorHow much to set aside from each payment, totalled by IRS estimated-tax period.Freelance hourly rate calculatorThe hourly rate you need, from target income, costs, tax set-aside and billable hours.Handmade cost-per-item calculatorMaterials, your time, packaging and Etsy fees: the true cost and what you keep.