Now with free AI analysis on every calculator

The real cost of
life's biggest decisions

15 free calculators built on ABS and ATO 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 ABS 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
Open calculator
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
Open calculator
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%
Open calculator
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)
Open calculator
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
Open calculator
AI
Career

FIRE Calculator

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

$1.5M–$3M typical FIRE target
Open calculator
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
Open calculator
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
Open calculator
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
Open calculator
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
Open calculator
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
Open calculator
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
Open calculator
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
Open calculator
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
Open calculator
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
Open calculator
AI

Find tools for where you are in life

Built differently

Real data sources

Every default value cites ABS and ATO, 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 →
Health 8 min read

Lifetime Health Cover Loading: The 2% a Year Rule

How LHC loading works — 2% a year over age 30, capped at 70%, removed after ten continuous years of cover — and whether joining before 31 is worth it.

Real Estate 10 min read

Negative Gearing and the CGT Discount: What Changed

What the May 2026 Budget changed for Australian property investors: negative gearing restricted from July 2027, the CGT discount replaced, and who is exempt.

Real Estate 9 min read

First Home Buyer Grants & Schemes in Australia (2026)

The federal 5% Deposit Scheme, Help to Buy, the First Home Super Saver and every state grant and stamp duty concession — what stacks, what does not.

Real Estate 9 min read

Renting vs Buying in Australia (2026): The Real Numbers

The honest Australian rent-vs-buy comparison — deposit, stamp duty, LMI, strata and rates against rent and the opportunity cost of your deposit.

Family 9 min read

Cost of Having a Baby in Australia (2026): Full Breakdown

What a baby actually costs in Australia — public vs private birth, the 26-week Parental Leave Pay change from 1 July 2026, Child Care Subsidy.

Health 6 min read

How to Avoid the Medicare Levy Surcharge (2026-27)

Already know you are over the threshold? The practical guide to avoiding the MLS: what counts as appropriate hospital cover, the daily pro-rating rule.

Health 6 min read

Medicare Levy Surcharge 2026-27: Rates and Thresholds

The Australian Medicare Levy Surcharge for 2026-27 — the $105,000/$210,000 thresholds, the 1%/1.25%/1.5% tiers, what counts as income for surcharge purposes.

Career 7 min read

Superannuation Guarantee 2026-27: 12% and Your Pay

The super guarantee at 12% from July 2025 — what employers must pay, what 12% compounds to over a career, salary sacrifice, the $30,000 concessional cap.

Real Estate 8 min read

Stamp Duty by State: The $20k–$40k Line on Your Settlement

Indicative transfer duty on a typical home in each state, the NSW/VIC/QLD first home buyer thresholds, and why the same price closes tens of thousands apart.

Health 8 min read

Private Health Insurance Rebate 2026: Tiers & Thresholds

The 2025–26 rebate tiers and income thresholds, Medicare Levy Surcharge rates, and the age-31 Lifetime Health Cover loading.

Education 8 min read

HECS-HELP Explained: What Your Uni Debt Really Costs

Income-contingent repayments, the CPI/WPI indexation cap, contribution bands, and when paying it down early actually makes sense.

Real Estate 10 min read

The True Cost of Buying a Home: 6-Country Comparison (2026)

What it really costs to buy in the US, UK, Canada, Australia, Ireland and Switzerland — typical prices, deposit rules.

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.