Free Tools for Planning Your Own Finances
Loans, investing, and retirement, modeled out with real formulas — for your own finances, not a business.
Planning your own finances — not running a business, just your own money — comes with its own recurring set of questions: what would this loan actually cost me, how much do I need to retire, is my portfolio on track. These calculators use the real, established formulas behind each of those questions, not oversimplified rules of thumb.
Borrowing decisions
Before taking on a loan or mortgage, seeing the real monthly payment — including taxes and insurance for a mortgage, not just principal and interest — gives a far more honest picture than a rough mental estimate.
Growing what you already have
Compound interest is the core mechanic behind almost all long-term investing, and modeling it with real contribution amounts makes the effect of starting early (or increasing a monthly contribution) concrete instead of abstract.
The retirement questions that actually matter
Social Security claiming age, 401(k) growth projections, and (once you're retired) required minimum distributions — three genuinely different calculations that come up at different points in a retirement timeline.
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The FIRE calculator (Financial Independence, Retire Early) works backward from your expenses rather than your savings — useful for a different framing of the same underlying question: how much is actually enough?
Recently added
A Monthly Budget Planner now covers the recurring side of personal finance — income vs. expenses, month to month — and if college is part of the picture, a 529 Savings Calculator works backward from a goal amount to tell you the monthly contribution you'd actually need.
The complete set: