Calculators that show you the actual numbers.
Pair the guides with simple, no-signup calculators. Punch in your real figures, see what the decisions cost — or save — over time. Nothing is sent to a server; the math runs in your browser.
Start with your paycheck
Every other tool builds on what actually lands in your bank. Three minutes to set up your numbers — the budget, emergency fund, employer match, and investing tools then offer to pull from it.
See your numbersOrder of operations
Nine questions about your situation, then a personalized roadmap — which step to fund next, which are done, which to skip.
Take the walkthroughKnow what comes in, where it goes.
Before investing, before paying down debt — get the floor solid.
Paycheck gross to net
See exactly where each gross dollar goes — federal + FICA + state tax, pre-tax deductions, Roth, and what actually lands in your bank account.
Budget builder
Build a real monthly budget across needs, wants, and savings. Saved to your browser only — come back next month and edit what changed.
Emergency fund sizing
Find the right cushion for your life stage and see how long it'll take to build at your current monthly savings rate.
Pay it down on a plan — and see the date.
Snowball, avalanche, extra principal. Watch the payoff date move.
Debt payoff snowball / avalanche
Compare snowball and avalanche strategies. See your debt-free date, total interest, and which debt to focus on first under each approach.
Mortgage payoff with extras
Add extra monthly principal, lump sums, and bi-weekly payments. See your new payoff date, total interest, and how much you saved versus the original schedule.
Match, compound, and choose your tax timing.
Capture free money, let it grow, and pick where you'd rather pay tax.
Employer match left on the table
See what under-contributing to your 401(k) costs you in employer match — per year, and projected over a decade.
Compound growth visualizer
Monthly contribution, time horizon, return rate — see how much of your final balance is your money vs. growth, and what waiting to start really costs.
Roth vs. Traditional
Compare after-tax outcomes for Roth and Traditional contributions across plausible future tax brackets — same out-of-pocket cost, different tax timing.
Will the money last.
Stress-test withdrawals against real spending and Social Security.