Calculators that show you the actual numbers.
Pair the guides with simple, no-signup calculators. Punch in your real figures, see what the decisions cost — or save — over time. Nothing is sent to a server; the math runs in your browser.
Order of operations walkthrough
Answer 9 questions about your situation and get a personalized roadmap — which step to fund next, which are done, which to skip. Pairs with the full guide.
Paycheck gross to net
See exactly where each gross dollar goes — federal + FICA + state tax, pre-tax deductions, Roth, and what actually lands in your bank account.
Budget builder
Build a real monthly budget across needs, wants, and savings. Saved to your browser only — come back next month and edit what changed.
Emergency fund sizing
Find the right cushion for your life stage and see how long it'll take to build at your current monthly savings rate.
Debt payoff snowball / avalanche
Compare snowball and avalanche strategies. See your debt-free date, total interest, and which debt to focus on first under each approach.
Mortgage payoff with extras
Add extra monthly principal, lump sums, and bi-weekly payments. See your new payoff date, total interest, and how much you saved versus the original schedule.
Employer match left on the table
See what under-contributing to your 401(k) costs you in employer match — per year, and projected over a decade.
Compound growth visualizer
Monthly contribution, time horizon, return rate — see how much of your final balance is your money vs. growth, and what waiting to start really costs.
Roth vs. Traditional
Compare after-tax outcomes for Roth and Traditional contributions across plausible future tax brackets — same out-of-pocket cost, different tax timing.
Retirement withdrawal
Plug in your portfolio, retirement age, spending, and Social Security. See how long the money lasts in today's dollars — or how much remains at age 100.