Calculators
Free tools to see the real numbers before you commit.
Buying a Home
Can I Afford This House?
Enter the listing price → see TRUE monthly cost (not just mortgage). Includes property tax, insurance, PMI, HOA, maintenance reserve, utilities estimate. Compares to 28/36 rule automatically.
Rent vs Buy Analyzer
Side-by-side NPV comparison with adjustable time horizon. Shows breakeven year. Accounts for investment opportunity cost of down payment.
Hidden Cost Revealer
Enter your home price + zip code → see the costs nobody tells you: closing costs, inspection, appraisal, moving, furniture, immediate repairs, first-year surprises. Regional data.
Refinance Calculator
Should you refinance your mortgage? See the break-even timeline, monthly savings, and total interest saved.
Down Payment Savings Tracker
You need $X. At $Y/month savings, you'll get there by [date]. Shows impact of different savings rates. Connects to HYSA recommendations.
Mortgage Points Calculator
Should you buy discount points to lower your mortgage rate? See the break-even timeline and total savings.
Wedding Planning
Wedding Budget Builder
Enter total budget → get AI-allocated breakdown by category based on priorities. Drag sliders to reallocate. Shows 'if you spend X on venue, here's what's left for everything else.'
Wedding vs House Calculator
What if you spent $15K less on the wedding and put it toward a down payment? Shows compound impact over 5-10 years.
Vendor Cost Checker
Enter your city + wedding size → see average costs by vendor category in your area.
Guest Count Impact Calculator
Shows exactly how much each additional guest costs (not just the plate — chairs, favors, invitations, bar). Cutting 20 guests saves you $X.
Having a Baby
Baby Year One Calculator
Month-by-month cost breakdown: birth, gear, diapers, formula/nursing, childcare, insurance changes, income loss during leave. Regional adjustments.
Childcare Decision Matrix
Compare: daycare vs nanny vs family vs one-parent-stays-home. Includes tax credits, schedule flexibility, and true hourly cost analysis.
Parental Leave Runway Calculator
How long can we afford to have [partner] stay home? Models income loss, savings drawdown, and return-to-work timeline.
Baby vs Everything Else
If we have a baby in [month], here's the impact on our house savings / debt payoff / retirement. Shows how baby costs ripple through other goals.
Buying a Car
New vs Used Total Cost Calculator
5-year TCO comparison: purchase price + financing + insurance + maintenance + depreciation. Shows true cost per mile.
Lease vs Buy Analyzer
Side-by-side comparison with mileage penalty modeling, equity building, and end-of-term options. Shows breakeven scenario.
EV vs Gas Calculator
5-year TCO with fuel savings, tax credits, charging costs, battery degradation, insurance differences. Enter your commute + electricity rate.
Payment vs Price Translator
The dealer says $450/month. Here's what that ACTUALLY costs you. Shows total with interest at different term lengths.
College Decision
Is This Degree Worth It?
Select school + major → see median starting salary, 10-year earnings trajectory, loan payoff timeline, and ROI vs trade school alternatives. Real BLS data.
College vs Trade School Calculator
4-year degree total cost + 4 years lost earnings vs 2-year certification + immediate income. NPV comparison at age 35.
529 Plan Optimizer
Enter your state + child's age + target school type → recommended monthly contribution, best state plan, projected balance at 18.
Parent vs Retirement Trade-off
If I fund $50K of my kid's college, here's how it impacts my retirement. Side-by-side retirement projection with and without college funding.
Career Change
Career Change Runway Calculator
How many months can you survive without income? Models savings drawdown, COBRA insurance, retraining costs, and income ramp-up time.
Salary Negotiation Calculator
Enter offer + market data → see where you stand, what to counter, and the 10-year compound impact of $5K more starting salary ($80K+ difference).
Total Comp Translator
Your $85K salary is actually worth $112K. Breaks down health insurance, 401k match, PTO value, stock options, and other benefits.
Freelance Rate Calculator
To earn $100K as a freelancer, you need to charge $X/hr. Accounts for self-employment tax, insurance, no-work days, equipment, and retirement savings.
Debt & Budgeting
Debt Payoff Planner
Enter all debts → see avalanche vs snowball comparison with exact payoff dates and total interest saved.
The Honest Budget Audit
Link-free budget estimator: enter spending by category → see where you actually stand vs benchmarks. No bank connection needed.
Emergency Fund Calculator
Personalized: factors in job stability, health, dependents, insurance deductibles. You need X months, which is $Y. At your savings rate, you'll get there by [date].
Student Loan Strategy Tool
Compare all repayment plans side-by-side: monthly payment, total paid, forgiveness timeline. Includes SAVE, IBR, PAYE, and standard.
Retirement
Retirement Readiness Check
Monte Carlo engine with 600 scenarios, probability gauge, wealth trajectory with percentile bands. Conversational onboarding.
Social Security Optimizer
Enter your earnings history → see break-even analysis for claiming at 62/67/70. Spousal benefits, survivor benefits.
401k/IRA Optimizer
Are you leaving free money on the table? Check employer match, Roth vs Traditional, catch-up contributions, and optimal allocation.
Healthcare Cost Estimator
Project healthcare spending from retirement through end of life. Medicare coverage gaps, supplemental insurance, long-term care scenarios.
Getting Engaged
Starting a Business
Moving & Relocating
New Pet
Pet Insurance Calculator
Compare pet insurance premiums vs. self-insuring over your pet's lifetime. See what the same money grows to in a pet emergency fund.
Lifetime Pet Cost Calculator
Dog or cat, shelter or breeder. See the true first-year, annual, and lifetime cost including food, vet, grooming, and emergencies.