Money Playground

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.

Side-by-side NPV comparison with adjustable time horizon. Shows breakeven year. Accounts for investment opportunity cost of down payment.

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.

Should you refinance your mortgage? See the break-even timeline, monthly savings, and total interest saved.

You need $X. At $Y/month savings, you'll get there by [date]. Shows impact of different savings rates. Connects to HYSA recommendations.

Should you buy discount points to lower your mortgage rate? See the break-even timeline and total savings.

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.'

What if you spent $15K less on the wedding and put it toward a down payment? Shows compound impact over 5-10 years.

Enter your city + wedding size → see average costs by vendor category in your area.

Shows exactly how much each additional guest costs (not just the plate — chairs, favors, invitations, bar). Cutting 20 guests saves you $X.

Month-by-month cost breakdown: birth, gear, diapers, formula/nursing, childcare, insurance changes, income loss during leave. Regional adjustments.

Compare: daycare vs nanny vs family vs one-parent-stays-home. Includes tax credits, schedule flexibility, and true hourly cost analysis.

How long can we afford to have [partner] stay home? Models income loss, savings drawdown, and return-to-work timeline.

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.

5-year TCO comparison: purchase price + financing + insurance + maintenance + depreciation. Shows true cost per mile.

Side-by-side comparison with mileage penalty modeling, equity building, and end-of-term options. Shows breakeven scenario.

5-year TCO with fuel savings, tax credits, charging costs, battery degradation, insurance differences. Enter your commute + electricity rate.

The dealer says $450/month. Here's what that ACTUALLY costs you. Shows total with interest at different term lengths.

Select school + major → see median starting salary, 10-year earnings trajectory, loan payoff timeline, and ROI vs trade school alternatives. Real BLS data.

4-year degree total cost + 4 years lost earnings vs 2-year certification + immediate income. NPV comparison at age 35.

Enter your state + child's age + target school type → recommended monthly contribution, best state plan, projected balance at 18.

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.

How many months can you survive without income? Models savings drawdown, COBRA insurance, retraining costs, and income ramp-up time.

Enter offer + market data → see where you stand, what to counter, and the 10-year compound impact of $5K more starting salary ($80K+ difference).

Your $85K salary is actually worth $112K. Breaks down health insurance, 401k match, PTO value, stock options, and other benefits.

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.

Enter all debts → see avalanche vs snowball comparison with exact payoff dates and total interest saved.

Link-free budget estimator: enter spending by category → see where you actually stand vs benchmarks. No bank connection needed.

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].

Compare all repayment plans side-by-side: monthly payment, total paid, forgiveness timeline. Includes SAVE, IBR, PAYE, and standard.

Monte Carlo engine with 600 scenarios, probability gauge, wealth trajectory with percentile bands. Conversational onboarding.

Enter your earnings history → see break-even analysis for claiming at 62/67/70. Spousal benefits, survivor benefits.

Are you leaving free money on the table? Check employer match, Roth vs Traditional, catch-up contributions, and optimal allocation.

Project healthcare spending from retirement through end of life. Medicare coverage gaps, supplemental insurance, long-term care scenarios.

Enter your home size, distance, and DIY vs. movers. Get an itemized moving budget covering truck, packing, deposits, utilities, and hidden costs.

Pick your business type and state. Get an itemized startup budget with state-specific LLC fees, insurance, tech, marketing, and 6-month runway projection.

Compare pet insurance premiums vs. self-insuring over your pet's lifetime. See what the same money grows to in a pet emergency fund.

Forget the '3 months salary' rule. Enter your finances and timeline to get a realistic ring budget, plus a lab vs. natural diamond comparison at your price point.

Dog or cat, shelter or breeder. See the true first-year, annual, and lifetime cost including food, vet, grooming, and emergencies.

Enter your viewing distance and find the perfect TV size, whether 4K is worth it, and what you should spend. Science-backed recommendations.

City sidewalks or suburban trails? One kid or planning for two? 7 questions, personalized top 3 picks.

Most guides ignore the actual car. This one asks make, model, and year, then recommends seats that fit YOUR backseat.

Spending pattern quiz that matches you to a card based on actual behavior, not whoever pays the highest commission.

Sleep position, body weight, temperature preference, partner differences, budget. Find YOUR mattress match.

Maps actual use (email + Netflix vs video editing vs coding) to the right machine at the right price.

Life stage audit: what coverage you need, what you can skip, and where to get the best rates.

Apartment vs house, tech comfort, privacy concerns, budget. Quick, decisive, shareable.

Air fryer vs instant pot vs stand mixer vs good knife set. Based on how you actually cook.

Factors in budget, days off, time zone tolerance, travel style, kids. Outputs 3 destinations with cost breakdowns.

Budget + location + vibe + dietary constraints. Complete date night plan with restaurant type, activity, and estimated cost.

Cooking skill, household size, dietary restrictions, time per meal, budget. Includes 'skip meal kits entirely' as a possible result.

Available hours, skills, introvert/extrovert, existing assets. Matched to specific side hustles with realistic income ranges.

Interactive checklist of common subscriptions. See your monthly total, get recommendations on what to cut.

Both partners answer 10 questions about spending, saving, risk. Compare results. Highlights alignment AND friction points.

Tap the ball, shake your phone, or pick a category. Category-aware responses with real financial wisdom. Addictive and shareable.

Tinder-style swipe game. Cards show real products with prices. See your spending personality at the end.

The Price is Right meets financial literacy. Guess real costs, get your score, share how close you were.

Random challenge generator with Easy/Medium/Hard/Extreme levels. Tracks commitment with email check-ins.

Type any amount. See future cost with inflation vs future value if invested. Just the math, no judgment.

Animated wheel spin with 100+ specific, actionable tips. Each tip links to a relevant tool or article.

Pick a lifestyle tier. See what it actually costs. Then see what income you'd need. Secretly educational about lifestyle inflation.

10 scenario-based questions. One of 8 money personality types with detailed profiles. Screenshot-worthy result cards.

Input spending categories, get a beautiful year-in-review with insights, fun stats, and next year's challenge.

16 financial priorities in a bracket tournament. Travel vs Emergency Fund? Pick head-to-head until one wins.

Anonymous submission wall. Read others' confessions, submit your own, vote on most relatable.

5x5 bingo card of financial milestones. Check them off, share your card, see how you compare.

List your people, set a total budget, the tool distributes it and tracks spending. Add gift recommendations within budget.

Quick quiz about life changes that reveals commonly missed deductions and credits. Peaks January through April.

By grade level: supplies, clothes, tech, activities, fees. Shows real total (it's always more than you expect).

Guided annual financial review: net worth check, subscription audit, goal setting, auto-savings setup guide.

Answer questions about your money habits and get told your 'financial age.' Eye-opening, shareable, drives action.

Enter what you want to buy and the price. Get a countdown timer. If you still want it after 72 hours, get a buy link. Saves people money.

Enter age and net worth, see where you rank nationally. Shareable, drives investment affiliate recommendations.

Enter income and city. See what 50/30/20 actually looks like where you live. Spoiler: it might not work.

Enter your partner's money habits, get scored on red/yellow/green flags. Viral couples content.

Series of tough financial dilemmas. Results reveal your money values and priorities. Highly debatable and shareable.

Pick ANY daily expense. See what it costs over 10/20/30 years, both as spending and as invested growth. No scolding, just math.

Choose-your-own-adventure through financial decisions. 3 starting paths, branching storylines, real credit score consequences. Every playthrough is different.

City-specific rent vs buy analysis with real median prices, appreciation rates, and break-even timelines.

Reveals the gap between what you charge for your time and what you'll 'work' for to save a few bucks. Earning rate vs saving rate vs loss aversion.

Calculate whether driving out of your way for cheaper gas actually saves money after factoring in extra gas burned, time spent, and the wait.

See how your FICO score breaks down across 5 factors, then toggle common actions to see their estimated impact on your score.

Pick two cities and your salary. See the equivalent income needed and a side-by-side breakdown across housing, groceries, transportation, and taxes.

Enter a freelance rate or salary and see the true comparison after self-employment tax, health insurance, lost 401k match, PTO, and unbillable hours.

Answer 6 questions about your life stage and get a personalized checklist of which insurance types to get now, consider later, or skip entirely.

Enter your family details and see a custom laddered strategy with a staircase chart showing how multiple policies can save you thousands.

Pre-approval checklist, true cost spreadsheet, negotiation email scripts, closing timeline tracker

Master budget template, vendor comparison spreadsheet, payment timeline tracker, negotiation scripts, emergency buffer calculator

Complete cost breakdown by month, insurance optimization checklist, parental leave planner, 529 starter guide, budget adjustment template

Negotiation scripts, dealer markup decoder, total cost spreadsheet, trade-in value research guide

ROI research template by major, 529 comparison spreadsheet, financial aid appeal letter templates, scholarship search tracker

Market rate research template, counter-offer email scripts, total comp comparison spreadsheet, negotiation call framework

Spending tracker template, category benchmarks, savings rate calculator, debt payoff visual tracker

Custom modeling spreadsheet + Social Security optimizer + healthcare cost planner