Financial Calculators
These tools are grouped by the money decision they help you explore: investing, independence, debt, real estate, and freelance or e-commerce pricing. Open a calculator, change the assumptions, and compare scenarios with the numbers you type. Results are estimates for learning, not a plan tailored to you, and the math runs in your browser.
Investing & markets
Compound Interest Calculator
Project wealth growth with monthly contributions.
Savings Goal
Monthly deposit and timeline for a target balance.
Emergency Fund
Months of essential spending, and how long the gap takes to fill.
Inflation and Real Return
Purchasing power and the Fisher real return.
Roth vs Taxable Brokerage
Compare tax-advantaged and taxable long-term growth.
Financial independence
Debt payoff strategies
Credit Card Payoff
Fixed minimum versus the payment you will actually send.
Debt Avalanche vs Snowball
Compare payoff time and interest side by side.
Student Loan Payoff
Extra payment, payoff date, and interest saved on a fixed-rate student loan.
Real estate & mortgages
Mortgage Payment
Principal and interest, plus optional tax, insurance, and PMI.
Amortization Schedule
Every payment split into principal, interest, and balance.
Mortgage Payoff
See how extra payments shorten your loan.
Refinance Break-even
Closing costs versus monthly savings on the balance you owe.
HELOC
Interest-only draw, then the payment jump when the balance amortizes.
PMI Removal
Ask at 80% of original value. The automatic month stays on the original schedule, at 78%.
Rent vs Buy
Net cost of renting and buying over the years you might stay.
Home Affordability
Price from income, debts, and a down payment.
Price vs SAC (Brazil)
Constant payment versus constant amortization, Brazilian style.
Rental Property ROI
Cash-on-cash, cap rate, and multi-year cash flow.
House Flip Profit
Rehab margins, holding costs, and resale profit.