Personal Finance Toolkit
Savings, debt, budgets and everyday money math.
Saving
Interest
Compound Interest Calculator
See how contributions and compounding add up.
Simple Interest
Calculate interest without compounding.
APY vs APR
Convert between a nominal annual rate and effective yield.
Investment Growth
Separate contributions from hypothetical growth.
Investment Fee Impact
Compare growth before and after a yearly fee assumption.
Financial Basics
Rule of 72
A rough estimate of the time needed to double.
Net Worth
Subtract liabilities from the full value of your assets.
Debt-to-Income
Compare monthly debt payments with gross income.
Percentage Change
Compare an old amount with a new amount.
Inflation
Compare two CPI index values you supply from the same series.
Budgeting
Monthly Budget
Put monthly income and expenses in one place.
50/30/20 Budget
Try one common framework with your take-home pay.
Paycheck Budget
Set aside monthly bills from each paycheck.
Annual Expenses
Turn irregular bills into a monthly set-aside.
Subscription Cost
See recurring costs and possible cancellations.
Moving Cost Budget
Add the costs of your move.
Everyday Money
Daily Spending
See what a small regular purchase adds up to.
Discount
Apply consecutive discounts and a tax rate you enter.
Sales Tax
Calculate tax or work back from a total.
Tip
Split a bill and choose whether tax is included in the tip base.
Split Bill
Split by percentage shares or individual item totals.
Rent Increase
See the monthly, annual and longer-term difference.
Debt
Debt Payoff
Estimate payoff time with monthly interest and fixed payments.
Snowball vs Avalanche
Compare smallest-balance-first with highest-rate-first.
Extra Debt Payment
Compare your current payment with an extra amount.
Credit Card Payoff
Estimate card payoff or work backwards from a deadline.
Minimum Payment Cost
Estimate a declining percentage minimum or a fixed payment.
Credit Card Interest
Estimate interest from an average balance.
Loans
Income
Hourly to Salary
Convert wages to gross weekly, monthly and annual income.
Overtime Pay
Use your own overtime rate and eligible hours.
Raise
See the monthly and yearly effect of an income change.
Pay Cut
See the monthly and yearly effect of an income change.
Salary Difference
Compare yearly compensation after the costs you enter.
Take-Home Pay
Use your own estimated tax percentage and deductions.
Purchases
Purchase Savings
Estimate how long it takes to save for a purchase.
Purchase Impact
See cash remaining and the monthly effect of a purchase.
Future Cost with Inflation
Project a price using your own annual inflation assumption.
Purchase Break-Even
Compare upfront prices and monthly running costs.
Buy Once vs Subscription
Compare a one-time purchase with recurring payments.
Cost per Use
Divide purchase and maintenance costs by expected uses.