Now with free AI analysis on every calculator

The real cost of
life's biggest decisions

15 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 15 tools Free PDF checklist per calculator 100% private — nothing stored
14
free calculators
AI
analysis on every tool
110
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 15 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
Building Wealth

Compound Interest Calculator

What a starting amount and monthly contributions grow to — split into what you paid in and what the market added.

Growth is usually over half the total
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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, and IRS, 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 →
Education 9 min read

Federal Student Loan Repayment Plans in 2026: What Changed

SAVE is gone, RAP replaced most income-driven plans from 1 July 2026, and IBR is the only legacy plan that survives. What each plan costs and how to choose.

Education 8 min read

FAFSA and Financial Aid 2027-28: What You Will Actually Get

The Student Aid Index, the Pell Grant maximum, and the OBBBA changes that alter who qualifies. How to read an aid offer and what the numbers really mean.

Real Estate 7 min read

PMI: What It Is, What It Costs, and How to Get Rid of It

Private mortgage insurance costs $2,100–$5,400/yr. Here's how to calculate your PMI, when lenders must cancel it, and how to remove it early.

Education 8 min read

College Inflation 2026: What 4 Years Will Actually Cost

Published public four-year tuition fell 7% after inflation over the last decade. The real 2025-26 numbers, why the 4-5% rule overstates it.

Real Estate 8 min read

Home Equity Line of Credit 2026: Rules, Rates, and Risks

When a HELOC makes sense and when it doesn't — current rates, draw period vs. repayment, and the deductibility rules.

Career 8 min read

Job Offer Evaluation: 12 Factors Beyond Base Salary

The complete total compensation comparison framework — 401(k) match, healthcare cost, equity, PTO value, and remote work.

Later Life 9 min read

Long-Term Care Insurance 2026: Do You Need It?

Who should buy LTC insurance, when to buy it (before 60), policy features to compare, and the hybrid life/LTC option.

Career 9 min read

FIRE Calculator: How Much You Need to Retire Early

The 25x Rule, healthcare wild card, Social Security adjustment, and what FIRE numbers look like at different lifestyle levels.

Starting Out 8 min read

401(k) at Your First Job: What to Know Before Skipping It

Employer match math, vesting schedules, traditional vs. Roth 401(k), and the SECURE 2.0 auto-enrollment change.

Real Estate 8 min read

Property Taxes by State 2026: What You Actually Pay

Effective property tax rates from 0.28% to 2.49% by state. How to appeal your assessment, homestead exemptions, and exemptions for seniors.

Family 8 min read

FMLA vs Paid Leave: What New Parents Are 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.

Starting Out 8 min read

Credit Score 101: Build from Zero to 750+ in 12 Months

The five factors, which ones matter most, secured card strategy, credit utilization tactics, and the fastest legitimate paths to 750+.

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.