Budget Builder
Add every income source and every monthly expense. Your breathing room updates as you type. If the number is negative, that is information, not failure.
Monthly Income
Monthly Expenses
Paycheck Calculator
What actually lands in your account. Real 2026 federal brackets, the real Social Security wage base, and your state's own rates.
Paycheck Split
Where should each dollar go? Pick the profile that matches your actual situation — the standard 50/30/20 assumes a comfort level a lot of people do not have yet.
Net pay — what actually lands in your account, not gross salary.
Emergency Fund
How long until you have a real cushion. Start at $1,000 — that single buffer is what means you never need a payday loan again.
Housing, food, transport, utilities, minimum debt payments. Used for the 3–6 month targets.
The Life Just Happened Fund
List the annual expenses you already know are coming. Divide by twelve. Car registration stops being a crisis and becomes a non-event.
Debt Overview
Every debt in one place. Seeing the whole picture is uncomfortable and it is also the first thing that actually changes anything.
Debt Payoff Timeline
One debt, two questions: how long, and what does the interest actually cost you. Then see what one extra payment per month does to both.
Try $25. The difference is usually larger than people expect.
Credit Utilization
Roughly 30% of a FICO score, and the only major factor that resets every single month. This is the fastest-moving number you control.
Add up the limit on every card, including ones you never use.
Compound Interest
The whole argument for starting now instead of later, in one number. Watch what happens when you change the years and nothing else.
7% is a common long-run assumption for a broad stock index after inflation. It is an assumption, not a promise.
Investment Growth Projector
The same math as above, run against three market outcomes at once. Real markets do not deliver an average every year — this shows the spread you should plan around.
Time horizon does more work here than contribution size. Change this field and watch.
| Scenario | Annual Return | Ending Balance | Growth |
|---|---|---|---|
| Enter your numbers above. | |||
Net Worth Tracker
Everything you own minus everything you owe. It is allowed to be negative — most people's is, early on. What matters is the direction it moves.
Assets — What You Own
Liabilities — What You Owe
Your Financial Freedom Number
The amount of invested money that could cover your life indefinitely. It is driven by what you spend, not what you earn — which is why cutting expenses moves it from both directions at once.
What your life actually costs each month, all in.
Roth Conversion Calculator
Moving pre-tax retirement money into a Roth means paying tax now to never pay it again. This sizes the bill, shows how much room is left in your bracket, and tells you whether the trade is worth making this year.
Retirement Withdrawal Calculator
Every other calculator here is about putting money in. This is the other half. It runs your savings forward year by year, applies the required minimum distributions the IRS forces on you from 73 or 75, and then reruns the identical plan with one bad year at the front — because the order of the returns matters more than the average, and nobody tells you that until it has already happened.
Step-Up in Basis Calculator
Die owning an appreciated asset and the gain built up over your lifetime is never taxed — the heir’s cost basis resets to the value on the date of death. Hand the same asset over while you are alive and your old basis goes with it. This prices both, side by side.
Mortgage Calculator
The full monthly payment — principal, interest, tax, insurance, HOA and PMI. Not the principal-and-interest figure that makes a house look affordable.
Auto Loan Calculator
What the car really costs, and whether the deal clears the 20/4/10 rule. Negotiate the price, never the monthly payment.
Pricing & Breakeven
What you have to charge, and how many you have to sell before you have made a single dollar. Card fees included, because they come out of every sale whether you count them or not.
Rent, insurance, software, your own wage — everything you pay whether you sell one or none.
Materials, packaging, shipping, the hour of labor that only happens when you sell.
Whatever your card processor takes. Set it to 0 if you are paid another way.
What margin do you want? We work backwards to the price that gets you there.
| If your price were | Breakeven units | Profit at your volume | Margin |
|---|
Breakeven ignores tax and assumes your fixed costs hold. It is a floor, not a forecast — the number of units below which you are working for free.
Line of Credit Payoff
A revolving balance is not a loan with an end date — it only ends when you stop drawing on it. This runs the balance month by month, including what you keep charging.
Most business lines are variable and move with the prime rate.
The number most payoff calculators pretend is zero. It rarely is.
We solve backwards for the payment that hits your date.
Interest is charged on the balance each month, so paying earlier in the month costs less than paying later. A variable rate can move while you are paying this down — re-run it when it does.
Business Loan
The payment, the real APR once the fees are in, and whether the business actually covers the debt. Plus what a merchant cash advance costs in the same units, so you can compare the two honestly.
Usually taken off the top, so you receive less than you borrow but repay all of it.
Profit before this loan's payments, plus depreciation. Lenders call it net operating income.
Compare it against a merchant cash advance
An advance is quoted as a factor rate, not a rate, and there is no APR on the paperwork. This converts it into the same units as the loan above. An advance is legally a purchase of future receivables rather than a loan in most states, so this is the equivalent APR if it were a loan — which is the comparison you need to make the decision.
1.35 means you repay $1.35 for every $1 advanced.
Interest on a genuine trade-or-business loan is generally deductible as a business expense, but it is limited by the business interest expense limitation and there is a small-business exception. This calculator does not estimate any tax effect — see IRS Publication 334 and talk to a CPA.
Business Cash Flow
Profit is an opinion; cash is a fact. This splits a month into operating, investing and financing, then tells you how long the cash lasts if nothing changes.
Cash that actually arrived, not what you invoiced.
Enter a negative number if you sold something instead.
| Section | In | Out | Net |
|---|
Operating cash flow is the line that matters most. A business can show a profit and still run out of money, and it usually does so while operating cash flow is negative and financing is quietly covering the gap.
Business Ratios & Working Capital
Eleven numbers off your own books, turned into the ratios a lender will calculate about you anyway. Every figure comes from your balance sheet and your profit and loss — nothing here is compared against an industry average, because the honest ones are not published for free.
What the things you sold cost you to make or buy. Not rent, not salaries that are not production.
Cash, receivables, inventory — anything you expect to turn into cash within a year.
Everything due within a year, including the next twelve months of loan payments.
| Ratio | Yours | What it is measuring |
|---|
There are no benchmark columns here on purpose. Useful industry comparisons come from paid datasets we cannot verify or link, and a made-up “healthy range” is worse than none. The comparison that costs nothing and tells you more is your own figures from three months ago. The Federal Reserve’s Small Business Credit Survey is the best free read on how firms like yours are actually financed.
Equipment: Lease vs. Buy
Both paths in today’s money, so a monthly payment cannot flatter one of them. Then the resale value at which the answer flips.
The single most uncertain number here, and the one that decides it. Try a range.
Compare like for like. A 36-month lease against a 60-month loan is not a comparison.
The discount rate. Money paid later costs less than money paid now, and this is how much less.
Tax is not in this comparison. Lease payments are generally deductible as paid, while a purchase is capitalized and depreciated, and Section 179 or bonus depreciation can pull that deduction forward. Those rules move, they depend on your profit, and getting them wrong is expensive — so they belong in a conversation with a CPA and in IRS Publication 946, not folded silently into a headline number. What is above is the cash comparison, which is the half you can calculate honestly.
Rental Property Analyzer
Cash flow, cap rate, cash-on-cash and coverage on one screen — with vacancy, maintenance and capital reserves in the numbers, which is where most back-of-envelope rental math falls apart.
Investment property normally needs 20–25% down. Owner-occupied rules do not apply.
One empty month a year is about 8%. Zero is not an assumption, it is a wish.
Roof, furnace, water heater. They do not fail monthly, but they fail.
Put a number here even if you self-manage. Your time is the cost.
| Per year | Amount |
|---|
Cap rate is net operating income over purchase price, before financing — it describes the building, not your deal. Cash-on-cash includes the mortgage and describes your deal. There is no benchmark column here: what counts as a good cap rate is entirely local, and the datasets that would tell you honestly are not free.
Fix & Flip / 70% Rule
The maximum you can pay, what the project really costs once money and time are counted, and the resale price below which the whole thing loses money.
What it sells for finished. Base it on closed comparable sales, not listings.
Taxes, insurance, utilities, security. Not the loan — that is below.
Hard money is priced well above a mortgage. Interest-only while you hold.
Agent commission, transfer taxes, concessions.
| Where the money goes | Amount |
|---|
The 70% rule is a screening convention, not a law — 70% of ARV minus repairs, which leaves room for costs and a margin. Investors in expensive markets often work above it and in cheap ones below it. Treat it as the number that decides whether a deal is worth a second hour, not whether it is worth buying.
BRRRR Calculator
Buy, rehab, rent, refinance, repeat. The number that matters is how much of your own money is still stuck in the deal afterwards — and whether it still cash flows once the new loan is on it.
The whole strategy rests on this one number, and it is set by an appraiser, not by you.
5% vacancy plus 8% each for maintenance, reserves and management is 29%.
Pulling every dollar back out is what makes the strategy repeat, and it is also the point at which the loan is largest and the cash flow thinnest. A deal that returns all your capital and does not cash flow has not made you money — it has moved your money into something that now costs you every month. Both numbers have to work.
How to actually use these
A calculator tells you where you are. It does not tell you what to do next, and a number without a plan behind it tends to produce anxiety rather than progress. The order below is the one the free Financial Literacy resource teaches, and it is deliberate — each step makes the next one possible.
Start with the Budget Builder
You cannot plan around a number you do not know. Pull two or three months of bank statements rather than guessing — most people underestimate their variable spending by 20–30% when working from memory. If your breathing room comes out negative, that is the single most useful thing you will learn today, because everything after this depends on it.
Then build a small buffer, not a big one
The Emergency Fund calculator defaults to $1,000 for a reason. A three-to-six month fund is the eventual goal, but leading with that number is why most people never start. A $500 buffer absorbs a flat tire. A $1,000 buffer means a car repair never becomes a payday loan — and payday loans at 400% APR are the single fastest way to undo a year of progress.
Then attack the debt, highest rate first
Put every debt into the Debt Overview so you can see the whole picture, then run your worst one through the Debt Payoff Timeline with an extra $25 a month. The avalanche method — highest interest rate first — costs you the least in total interest. The smallest-balance approach clears individual debts faster and some people stick with it better. Both are covered honestly in the full comparison.
Then let the Compound Interest calculator argue for you
Enter your real numbers, then change only the years field. Thirty years versus twenty is not a 50% difference in outcome — it is frequently double or more. That gap is the entire reason to start with $25 now instead of $250 later, and it is the one advantage that cannot be bought back afterwards.
What these calculators are not
They are educational models, not projections, and certainly not advice. Every one of them assumes a steady return that no real market delivers, ignores taxes and fees unless stated, and knows nothing about your income, your state, your debts or your benefits status. If you receive SSI or SSDI, some of this math works differently and getting it wrong can cost you eligibility — start with the Disability Wealth Guide instead. Our full sourcing and correction policy is on the editorial standards page.
Nothing here is stored
Every calculation runs in your browser. No numbers are transmitted, logged or saved to any server, and no account is required to use any tool on this page. Close the tab and it is gone.