Calculators, every one.
All 20 calculators on the site, free and in plain English.
Every calculator
The Order of Operations
What to fund first, decided with your numbers: put the emergency fund, the high-interest balance, and the employer match in your order, run five years, and see the other orders beside it.
Run yoursThe Trump Account Real Cost Calculator
See what a Trump Account's $1,000 government seed is actually worth: the poster projection next to the same balance in today's dollars, before tax.
Run yoursThe 18th Birthday Reveal
Project a 529 plan and a UTMA / UGMA account side by side from a child's birth to the state's age of majority, with a what-happens-at-18 trade-off card.
Run yoursThe Real Cost of Waiting, Kid Edition
Same monthly contribution, three start ages (birth, 5, 10). The dollar gap at 18 is the compounding cost of waiting.
Run yoursKiddie Tax Estimator (2026 bands)
Federal kiddie tax split across the three 2026 IRS bands per Rev. Proc. 2025-32 Sec. 4.02. Education only, not a tax return.
Run yoursRetirement Reality Check
Your plan run against 1,000 market histories, not one lucky average.
The Real Cost Calculator
Turn any recurring expense into its 30-year compounded opportunity cost. The most visceral way to understand compounding.
Run yoursPaycheck Calculator
Hourly or salaried. Full deduction stack (401k, HSA, FSA, custom). See where every dollar of gross actually goes.
Run yoursCompound growth calculator
Starting age, monthly amount, return. See all 40 years.
Savings account comparison
The same deposits in checking, regular savings, and high yield savings, side by side. See what the account choice alone is worth.
Mortgage calculator
Principal, interest, taxes, insurance. PMI included.
Credit card payoff calculator
What an extra $25/month actually saves you on a credit card balance.
Run yoursDollar-cost averaging calculator
Compare lump-sum investing vs. spreading contributions over time.
Run yoursTake-home pay calculator
Salary in, every deduction broken down, take-home out.
Tax brackets
Federal plus state. Marginal versus effective rate, decoded.
Rent vs. Buy calculator
Property tax, maintenance, opportunity cost, all of it.
The Real Cost of Mortgage Insurance
FHA MIP versus conventional PMI on the same loan: what each costs per month, when it ends, and the compounded difference over 30 years.
Run yours