Money, beyond tax
Personal finance calculators
Net worth, retirement timing, budgeting and debt, the money questions that sit alongside the tax ones. All run in your browser; nothing is stored.
Tax is what leaves your money; these calculators are about what the rest of it does. They all run on the same time-value-of-money arithmetic: a dollar put to work compounds, a dollar of debt compounds against you, and the date you start matters more than the amount. The point of each tool is to put a real number on a decision you're actually facing, not to score your finances.
One worked example of why the math is worth running: $500 a month invested at a 7% average return grows to about $87,000 in 10 years, $260,000 in 20 and $610,000 in 30, of which only $180,000 was ever contributed. The same stream started 10 years later ends about $350,000 smaller. That single gap is what the cost of procrastinating calculator measures, and versions of it hide inside almost every tool below.
Where you stand
- Net worth everything you own minus everything you owe
Retirement & independence
- FIRE, how long until I'm rich? years to financial independence at your savings rate
- When can I retire? the age your savings can replace your income
- Cost of waiting to invest what a few years' delay costs by retirement
- 401(k) contributions the match you forfeit by deferring too little
- Roth vs traditional which account wins at your rate now and later
Everyday money
- 50/30/20 budget needs, wants and savings from your take-home pay
- Credit card minimum-payment trap how many years the minimum takes
- Subscription audit the real yearly cost of "just a few dollars a month"
Big decisions
- Buy vs rent the break-even year where buying beats renting
- Salary by city what your pay is worth in another city
- College degree ROI lifetime earnings with a degree vs without
- College savings gap projected 529 savings vs the future cost
Income & work
- Lifetime tax paid federal, state and FICA across a whole career
- Gender pay gap the gap in your occupation, and its lifetime cost
- Profit margin gross margin, net margin and markup
Money through time
- Historical money what an old sum was worth in prices, wages and houses
These are planning tools built on standard time-value-of-money math. Rates of return, inflation and withdrawal assumptions are yours to set, treat every projection as an illustration, not a promise. Not financial advice.