Free calculators for the big money decisions — retirement, housing, investing, and debt. Every tool runs entirely in your browser and every result is shareable.
The whole picture in one place: project your household's income, spending, taxes, and net worth year by year, from today through retirement and beyond.
Open the plannerRoute each month's take-home pay through the baby steps to your goals.
Estimate your benefit and find the smartest age to claim, with breakeven analysis.
Convert pre-tax savings in low-income years to cut lifetime taxes and shrink RMDs.
See where a paycheck goes and what 401(k) or HSA contributions really cost you.
Compare the long-run cost of buying a home against renting one.
See whether buying or leasing your next car wins financially.
Model compounding contributions and returns over time.
Stress-test an allocation against volatility and drawdowns.
Size a cash cushion against your real monthly expenses.
Plan a snowball or avalanche payoff across every balance.
Every tax-advantaged account you've heard of asks you to pay tax somewhere. A traditional 401(k) skips tax now and collects it later, on every withdrawal, forever, via required minimum distributions you can't avoid. A Roth flips it: pay tax now, never again. Both are a genuine bargain. But there's…
ReadAsk most people what a financial advisor does and they'll say "picks investments" or "beats the market." That is the one thing a good advisor mostly won't promise, because after fees, very few managers beat a simple index fund over time, and none can do it reliably. So if it isn't stock-picking,…
ReadRetiring early is really two problems wearing one trenchcoat. The first is the one everyone talks about: do you have enough to last the rest of your life? The second is quieter and, for early retirees, far more dangerous: can you actually reach the money, and cover the years before Social Security…
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