Free Money Tools
Ten little calculators. No sign-up, no spreadsheets, nothing to install. Move a slider, get an answer you can actually use today.
Savings calculator
Pick a monthly amount — even $25 — and see what it turns into after 1, 5, and 10 years at a 5% APY high-yield rate.
Try: $25, $100, $250. The 10-year box is the one that gets people.
What if you saved a little every month?
Drag the slider — or type an exact amount. 5.0% APY, monthly compounding.
Illustration only, not financial advice. Real returns vary.
Budget planner
Type your take-home pay and split it into needs, wants, and savings. The 50/30/20 shape with your real numbers.
No guilt sliders. If needs run high, the worksheet tells you what that means.
This month's plan
Take-home: $5,000 / month
Debt payoff calculator
Enter a balance, the interest rate, and your monthly payment. Get the day your debt ends — and how much interest you dodge by paying a bit more.
Add $50 to the payment and watch the date jump.
When will the debt be gone?
Two scenarios side by side: pay the minimum, or throw a little extra at it every month. Watch the months and the interest melt.
A payment at or below the monthly interest never shrinks the balance — raise the payment above the interest charge.
Illustration only, not financial advice. Assumes the rate stays the same and you make every payment.
Compound interest calculator
A starting amount, a monthly add, a yearly return. Watch the growth line slowly overtake your deposits. That flip is the whole game.
7% a year is a calm long-run guess.
What does compound interest actually do?
A lump sum, a rate, and time. Pick how often interest is reinvested. The math does the rest.
Illustration only, not financial advice. Real returns vary year to year.
Net worth calculator
What you own minus what you owe. One number, no judgement. Negative just means early — the direction is what counts.
Check it on the 1st of each month.
What is your net worth right now?
Add up what you own, then what you owe. The difference is your net worth — the one number most people avoid.
What you own (assets)
What you owe (liabilities)
A snapshot, not a judgment. Net worth goes up when you save more than you spend — boring, but it works.
Retirement number calculator
Your age, your target age, your monthly spending. Get the savings pot that pays for the gap — it is usually smaller than the scary headlines say.
Every $500 less in monthly spending shrinks the target by roughly $150,000.
What's "your number"?
Tell us when you want to retire, how much you'll spend, and how long retirement lasts. We'll show the nest egg you need and what to save now.
Illustration only, not financial advice. Assumes steady returns (they won't be) and spending in today's dollars.
Home affordability calculator
Income, debts, down payment, loan rate. Get a price range that keeps the payment sane — before you fall in love with a kitchen.
Run the rate one point higher too.
How much house (or rent) can you afford?
The old rules of thumb: spend no more than 28% of gross income on housing, and no more than 36% on all debt. Rent? Aim for 30%. Here's the math.
If you're buying
If you're renting
Illustration only, not financial advice. Doesn't include property tax, insurance, or HOA — add those to your real budget.
Emergency fund calculator
A rainy-day fund is cash saved for surprises — a car repair, a bill you didn't see coming, a job that ends. Enter your bills, what you have, and what you can set aside each month.
Try: 6 months of bills to start. The month chips do the math.
What's your safety-net number?
An emergency fund is cash put aside for bad days — a job loss, a car repair, a surprise bill. Pick how many months of bills you want covered.
Illustration only, not financial advice. A common guide: 3 months if your income is steady, 6 or more if it isn't.
Hourly to salary converter
Type the number you know — your hourly wage or your yearly pay — and get the other three: week, month, and year. Change the hours and weeks to match your real job.
Try: $25 an hour at 40 hours a week is $52,000 a year.
Hourly pay or yearly salary — see both.
Type in what you know, and we'll fill in the rest. Taxes and benefits aren't included.
Illustration only. Weekly pay uses your weeks-a-year number, so time off is counted honestly. Monthly is the year divided by 12.
Subscription audit
List every app and membership you pay for each month. See the yearly total — and what the ones you never open are costing you. Untick a row and watch it vanish.
Try: three $10 apps you forgot. That's $360 a year back in your pocket.
What do your subscriptions really cost?
List what you pay each month for apps and memberships. The yearly total is usually a surprise.
Illustration only, not financial advice. Yearly = monthly × 12. Small leaks count too.
Not sure where to start?
- Money feels chaotic: start with the budget planner. Ten minutes, three buckets.
- Debt keeps you up at night: the payoff calculator gives you an end date. Dates help.
- Steady and want to grow: savings calculator first, then compound interest for the long game.
- Big decision coming: house calculator before open-house season.
- Money leaks a little at a time: the checkup for recurring charges finds them fast — then cancel what you don't use.
FAQ
Are these tools really free?
Yes. No account, no email wall, no limits. Run them as often as you like.
Do you store anything I type?
No. The math runs in your browser. Nothing you enter here is saved or sent anywhere.
Are the results exact?
They are honest estimates. Real rates change and real life happens. Use them to choose a direction, then adjust as you go.
Is this financial advice?
No — it is math with friendly handwriting. For advice about your exact situation, talk to a fee-only advisor.