Now with free AI analysis on every calculator

The real cost of
life's biggest decisions

15 free calculators built on Swiss Federal Statistical Office 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 FSO 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
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
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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
Open calculator
AI

Find tools for where you are in life

Built differently

Real data sources

Every default value cites Swiss Federal Statistical Office, 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 →
Career 8 min read

Cost of Living in Switzerland (2026): A Monthly Budget

Swiss salaries look enormous until you see the outgoings. Rent, compulsory health insurance, groceries and tax.

Later Life 8 min read

The Swiss 3-Pillar Pension System Explained (2026)

AHV, occupational BVG and private pillar 3a — what each pays, the 2026 maximums, the new 13th AHV payment.

Real Estate 8 min read

Renting vs Buying in Switzerland (2026): Why Most Swiss Rent

Europe's lowest homeownership rate explained: the 20% deposit rule, the 5% affordability test, imputed rental value tax and cheap mortgages.

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.

Family 8 min read

How Much a Wedding Costs: 6-Country Comparison (2026)

Average wedding costs compared across the US, UK, Canada, Australia, Ireland and Switzerland — what drives the bill, and the levers that cut it most.

Later Life 9 min read

State Pension Age & Amount: 6-Country Comparison (2026)

When you can claim a public pension and how much you get in the US, UK, Canada, Australia, Ireland and Switzerland.

Starting Out 9 min read

Graduate Salary & Student Debt: 6-Country Comparison (2026)

What graduates earn and owe in the US, UK, Canada, Australia, Ireland and Switzerland — starting salaries and how student debt works (or barely exists) in.

Career 8 min read

How Much Remote Work Saves: 6-Country Comparison (2026)

The real annual savings from working remotely in the US, UK, Canada, Australia, Ireland and Switzerland — commuting, lunches, clothing.

Building Wealth 8 min read

The True Cost of Owning a Car: 6-Country Comparison (2026)

The real 5-year cost of car ownership in the US, UK, Canada, Australia, Ireland and Switzerland — depreciation, insurance, fuel and tax.

Family 10 min read

Baby's First Year Cost: 6-Country Comparison (2026)

Year-one baby costs compared across the US, UK, Canada, Australia, Ireland and Switzerland — birth, childcare.

Building Wealth 7 min read

Index Funds vs. Actively Managed Funds: The 20-Year Study

Over 20 years, 90%+ of actively managed funds underperform their index. The data, the math, and what to buy instead.

Family 7 min read

The Real Cost of a Pet: Year One and Lifetime

Dogs cost $15,000–$55,000 lifetime. Cats $8,000–$25,000. The full breakdown including the veterinary expenses most new owners miss.

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.