Financial Planning Made Simple: Stop guessing.
Know exactly what you can afford.
41+ free calculators for mortgages, budgets, debt, and retirement. No spreadsheets. No guesswork. Just clarity.
41+
Calculators
90+
Cities
$0
Forever free
01 · Pick a goal
What are you working toward?
Scenario router
Active scenario
Buy a Home
Education-only plan to show up prepared for lender conversations with clear PITI estimates.
Plan setup time
15 min
Estimated payment view
All-in PITI
Recommended calculators
Mortgage Calculator
Calculate how much house you can afford based on income, debts, and down payment. Free mortgage affordability calculator with instant results.
Rent vs Buy Calculator
Compare the financial outcomes of renting vs buying a house over time. See which option saves more money with our comprehensive calculator.
DTI Calculator
Calculate your debt-to-income ratio. Check if you qualify for mortgage, auto, or personal loans instantly.
Emergency Fund Calculator
Calculate your ideal emergency fund amount based on expenses, job stability, and dependents. Build financial security with our free calculator.
For educational use only · not financial advice
02 · Verified data
Outputs grounded in official sources
Rates, taxes, and local costs refresh weekly so every calculation matches today's market.
01 · Data sources
Freddie Mac PMMS, HUD, BLS, and verified local datasets refreshed weekly.
02 · Coverage
90+ cities with property tax, insurance, and cost-of-living adjustments.
03 · Usage
Education-only outputs you can bring to advisors or lenders.
03 · Why it works
Tools built for real decisions
01 · Transparent
Always free
No logins or paywalls. Run scenarios in seconds and share instantly.
02 · Current
Weekly official data
Freddie Mac, HUD, BLS, and local census feeds keep results aligned with the market.
03 · Actionable
Clear next steps
Every card explains what the result means and the exact next move to take.
04 · Big decisions
Buy, rent, and drive
Mortgage, rent vs buy, DTI, and auto tools with PITI and PMI baked in.
05 · Cash flow
Budget and savings
Plan budgets, savings goals, and emergency cushions in one place.
06 · Future you
Retirement and taxes
401k, IRA, state tax, and salary analysis for every job offer.
04 · Playbooks
Calculators by goal
04 scenarios
01 · Playbook
3 toolsHousing
Mortgage, rent, and comparison
Mortgage Calculator
Calculate how much house you can afford based on income, debts, and down payment. Free mortgage affordability calculator with instant results.
Rent Affordability Calculator
Calculate how much rent you can afford based on income and expenses. Follow the 30% rule or customize your budget with our free rent calculator.
Rent vs Buy Calculator
Compare the financial outcomes of renting vs buying a house over time. See which option saves more money with our comprehensive calculator.
02 · Playbook
3 toolsDebt
Debt payoff and loans
Debt Payoff Calculator
Free debt payoff calculator compares avalanche vs snowball methods. See how extra payments can change interest cost and payoff timing.
Credit Card Payoff
Calculate credit card payoff timing and compare interest cost under avalanche vs snowball methods.
Personal Loan
Calculate monthly payments and total interest for personal loans. Compare rates and find the best option.
03 · Playbook
3 toolsSavings
Goals and emergency funds
Savings Goal
Find out exactly how much to save each month to hit your down payment, vacation, or debt payoff target.
Emergency Fund Calculator
Calculate your ideal emergency fund amount based on expenses, job stability, and dependents. Build financial security with our free calculator.
Budget Calculator
Create your perfect monthly budget in minutes. Track income, expenses, and savings goals with our free budget calculator and planner.
04 · Playbook
3 toolsRetirement
Retirement planning
Retirement Calculator
Plan your retirement with our free calculator. See if you're on track, calculate needed savings, and optimize 401k contributions for retirement success.
401k Calculator
Calculate your 401k growth with employer matching and maximize your retirement savings.
Salary Calculator
Convert between salary and hourly rates with overtime calculations. Calculate annual salary, hourly wage, and take-home pay.
05 · Every calculator
41+ free calculators
18 listed
Mortgage Calculator
Calculate how much house you can afford based on income, debts, and down payment. Free mortgage affordability calculator with instant results.
Rent Affordability Calculator
Calculate how much rent you can afford based on income and expenses. Follow the 30% rule or customize your budget with our free rent calculator.
Rent vs Buy Calculator
Compare the financial outcomes of renting vs buying a house over time. See which option saves more money with our comprehensive calculator.
Car Loan Calculator
Calculate car loan payments and how much car you can afford. Compare auto financing options and monthly payment scenarios.
Student Loan Calculator
Calculate student loan affordability and monthly payments based on expected future income. Plan your education financing wisely.
Budget Calculator
Create your perfect monthly budget in minutes. Track income, expenses, and savings goals with our free budget calculator and planner.
401k Calculator
Calculate your 401k growth with employer matching and maximize your retirement savings.
Retirement Calculator
Plan your retirement with our free calculator. See if you're on track, calculate needed savings, and optimize 401k contributions for retirement success.
Tax Calculator
Calculate your 2025 taxes with our free calculator. Estimate federal and state taxes, refunds, and take-home pay with accurate tax calculations.
Debt Payoff Calculator
Free debt payoff calculator compares avalanche vs snowball methods. See how extra payments can change interest cost and payoff timing.
Emergency Fund Calculator
Calculate your ideal emergency fund amount based on expenses, job stability, and dependents. Build financial security with our free calculator.
Salary Calculator
Convert between salary and hourly rates with overtime calculations. Calculate annual salary, hourly wage, and take-home pay.
Hourly to Salary
Convert your hourly rate to annual salary with vacation and overtime calculations.
Personal Loan
Calculate monthly payments and total interest for personal loans. Compare rates and find the best option.
Credit Card Payoff
Calculate credit card payoff timing and compare interest cost under avalanche vs snowball methods.
Car Affordability
Calculate how much car you can afford based on your income. Get max car price and monthly payment.
DTI Calculator
Calculate your debt-to-income ratio. Check if you qualify for mortgage, auto, or personal loans instantly.
Savings Goal
Find out exactly how much to save each month to hit your down payment, vacation, or debt payoff target.
06 · Local coverage
Popular city calculators
Local taxes, real estate, and cost of living indexed by metro.
25 core metros
07 · Specific scenarios
Specialized calculators
Specialized tools for specific financial situations with current market data.
08 · Real outcomes
Quick stories from users
3 of 12,000+
"The mortgage calculator helped me understand exactly what I could afford. Bought my first home with confidence."
"Amazing tools for planning student loan repayment. Now I have a clear plan to be debt-free."
"The budget calculator transformed how we manage our family finances. Finally saving money."
09 · Common questions
Frequently asked questions
Everything you need to know about our financial calculators.
06 answers