Now with free AI analysis on every calculator

The real cost of
life's biggest decisions

14 free calculators built on BLS, Census, and IRS data — plus a free AI advisor that explains your results and gives you a personalised action plan. No sign-up, no cost, ever.

Built on BLS & Census data AI advisor on all 14 tools Free PDF checklist per calculator 100% private — nothing stored
14
free calculators
AI
analysis on every tool
20
in-depth guides
$0
cost — ever
AI-Powered Analysis

Every calculator now has a free AI advisor built in

After you enter your numbers, ask the AI to explain what they mean — in plain English, with a specific action plan for your situation. Zero cost to you, ever.

🏠 Home Buying Calculator
Purchase price $425k · 10% down · 6.85% rate · 1.1% property tax
AI Analysis: Your Year-1 true cost is $58,200 — 40% above what most buyers budget. The biggest surprise is your PMI at $3,600/yr which disappears the moment you hit 20% equity. Putting an extra $18,500 down eliminates it and saves $3,600 annually — breakeven in 5.1 years.
💳 Debt Payoff Calculator
Credit card 26.99% · Personal loan 14.5% · Extra $200/mo
AI Analysis: Avalanche method saves you $4,230 in interest vs. snowball. At your 22% bracket, paying that 26.99% card is a guaranteed 21% after-tax return — better than any stock market bet. You're debt-free in 2y 4m.
🔥 FIRE Calculator
Age 32 · Income $95k · Savings rate 28% · $180k saved
AI Analysis: Your FIRE number is $1.875M at $75k/yr spend. At this savings rate you hit it in 14.3 years, age 46. The single biggest lever: increasing your savings rate by 5% cuts 2.8 years off your timeline.
No account required No data stored Results in seconds Available on all 14 calculators

Pick your life event

Each tool covers a situation where the real cost surprises nearly everyone.

Career

Remote Work True Cost Calculator

Commute savings, home office costs, meals, clothing — see your real annual net.

Avg. $6,100/yr savings
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AI
Starting Out

Salary Negotiation Calculator

See the lifetime earnings impact of negotiating and compare to BLS market benchmarks by field.

Lifetime impact: $150K–$500K
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AI
Starting Out

Debt Payoff Calculator

Avalanche vs. snowball comparison with your real debts — total interest saved and months to debt-free.

Avg. credit card APR: 21.76%
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AI
Starting Out

Emergency Fund Planner

Personalized target based on job stability, income type, and health situation — with savings plan.

Median EF: $3,000 (too low)
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AI
Career

FIRE Calculator

FIRE number, years to financial independence, Social Security impact, and portfolio projection.

$1.5M–$3M typical FIRE target
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AI
Real Estate

Rent vs. Buy Calculator

True 5 & 10-year comparison with opportunity cost, appreciation, break-even timeline, and net wealth.

Break-even typically 5–8 years
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AI
Growing Family

Wedding Cost Calculator

Itemized budget estimate by guest count, region, and style — with real data from 12,000+ couples.

US avg. wedding: $35,000
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AI
Growing Family

Having a Baby True Cost Planner

State-specific year-one estimate: childcare, medical, gear, and parental leave lost wages.

Avg. $21,000–$50,000 yr 1
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AI
Growing Family

Pet Cost Calculator

Year-one setup, annual recurring costs, and lifetime total — including the vet bills most people miss.

Dogs: $15,000–$55,000 lifetime
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AI
Building Wealth

Car True Cost of Ownership

True 5-year cost: depreciation, insurance, fuel, maintenance, and financing. New vs. used vs. EV.

New cars lose 20% yr 1
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AI
Building Wealth

Home Buying True Cost Calculator

Closing costs, PMI, property taxes, HOA, insurance, and maintenance — the complete year-one picture.

$29,500 avg. yr-one hidden costs
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AI
Building Wealth

College True Cost Calculator

Tuition, room & board, loan interest, and opportunity cost — the real 4-year total.

Avg. $190,000–$320,000 true total
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AI
Health

Chronic Illness Annual Cost Calculator

Beyond copays — medications, lost work, and lifestyle changes. The true annual burden.

Up to $12,000+ hidden costs
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AI
Later Life

Aging Parent Care Financial Planner

In-home care, assisted living, memory care — and the career impact on the family caregiver.

Avg. $54,000/yr assisted living
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AI

Find tools for where you are in life

Built differently

Real data sources

Every default value cites BLS, Census Bureau, EPI, or peer-reviewed research — not a "reasonable estimate" from thin air.

100% private

Everything runs in your browser. We never see your numbers. No account, no tracking of your inputs, ever.

Ready in 2 minutes

Pre-loaded with national averages. Change only what applies to you. Results update instantly as you type.

Free AI analysis

Every calculator includes a free AI advisor — enter your numbers, click Analyse, and get a plain-English explanation plus 3 personalised action steps.

Recent financial guides

View all articles →
Family 8 min read

FMLA vs. Paid Leave: What New Parents Are Actually Entitled To

Federal FMLA, state paid leave programs, and how to stack them for maximum paid time. Covers all 13 states with paid leave laws.

Later Life 9 min read

Social Security: When to Claim for Maximum Lifetime Benefit

The difference between claiming at 62 vs. 70 can exceed $200,000. Here's the math, the break-even analysis, and the married-couple strategy.

Building Wealth 8 min read

True Cost of Car Ownership 2026: Depreciation Is the Hidden Killer

New cars lose 15–25% in year one. The real 5-year ownership cost including depreciation, insurance, fuel, and maintenance.

Education 9 min read

529 Plans in 2026: Everything Changed with SECURE 2.0

The Roth IRA rollover rule removes the main fear about over-funding. Complete 2026 guide to 529 plans, state deductions, and new rules.

Family 9 min read

The True Financial Cost of Divorce in 2026

Attorney fees, asset division, two households — the full breakdown from $15,000 uncontested to $150,000+ contested.

Later Life 9 min read

Medicare 2026: Every Change That Affects Your Wallet

The Part D $2,000 OOP cap, premium increases, and drug price negotiations — explained with dollar impact examples.

Career 8 min read

Remote Work Salary Negotiation: Keep Your Pay Going Remote

Scripts and tactics for negotiating fully remote arrangements, countering RTO mandates, and quantifying your WFH value.

Real Estate 9 min read

Home Buying Closing Costs 2026: Complete Breakdown

Every fee itemized — from origination to transfer taxes — with state-by-state averages and negotiation tactics.

Family 9 min read

Childcare Costs by State 2026: The Complete Map

Infant center care ranges from $7,200 to $24,000/yr. Full state-by-state data with tax strategies and subsidy programs.

Starting Out 8 min read

HSA vs. FSA: The Tax Savings Most Workers Miss in 2026

The triple tax advantage explained, 2026 limits, and the advanced strategy that turns your HSA into a stealth Roth IRA.

Family 9 min read

Wedding Costs in 2026: What Couples Are Actually Spending

Real data from 12,000+ couples — category breakdown, city comparisons, and 8 money-saving moves that don't look cheap.

Starting Out 8 min read

Roth IRA vs. Traditional IRA: Which Is Better in 2026

2026 income limits, contribution rules, and the tax math that tells you which account wins for your situation.

Free calculators. Free AI. Free PDF checklists.

Enter your numbers, get your real costs, ask the AI what they mean — and download a personalised checklist PDF. All free, always.