Financial Calculators

Free Mortgage

Calculate your 2026 mortgage payment at current rates and get an AI explanation of affordability.

Can I Afford This? Home and Car Affordability

Assess if you can afford major purchases like homes or cars without financial strain.

Rent vs Buy

Compare renting versus buying a home to make the best financial decision.

Mortgage Payoff

See how extra payments can shave years off your mortgage and save you thousands in interest.

Down Payment Savings

Calculate how long it will take to save for your down payment and see a month-by-month savings plan.

Closing Cost

Estimate closing costs for buying or selling a home in the US or Canada with location-aware tax calculations.

Property Appreciation

Project your home's value at different appreciation rates over time. Net out holding + selling costs, and compare against investing the down payment in stocks.

Loan Payoff

Find out how to pay off your loan faster and save thousands in interest.

Credit Card Payoff

Determine the best strategy to eliminate your credit card debt quickly.

Debt Snowball vs Avalanche

Choose between debt snowball and avalanche methods to pay off debt faster.

Buy Now Pay Later True Cost

See the true cost of a BNPL purchase including late fees, missed-payment risk, and the cumulative obligation if you're juggling multiple plans.

Debt Consolidation

Compare your current multi-debt schedule against a single consolidation loan. See if consolidation actually saves money or just lowers monthly payments.

Credit Score Impact

See estimated FICO/Vantage score change for paying down debt, closing a card, opening new credit, or making a large purchase. Per-action breakdown.

Tax Bracket

Understand your federal tax rate and how it affects your take-home pay.

Salary to Hourly

Convert your salary to hourly rate and compare job offers accurately.

Raise

Calculate the true value of your pay raise including taxes and benefits.

Hourly to Salary

Convert your hourly wage to annual salary and see what you really earn per year, month, and week.

Self-Employment Tax

Calculate self-employment tax, federal + state/provincial tax, and quarterly payments for freelancers and contractors in the US and Canada.

Job Offer Comparison

Compare two job offers including bonus, RSUs, retirement match, PTO, healthcare, commute, and cost of living between cities.

Tip Income

Compute the real hourly rate of a tipped worker — server, bartender, driver, hairstylist — including reported tips, taxes, and underreporting risk.

Overtime

Compute the actual after-tax dollar value of overtime hours. See how the headline 1.5× multiplier shrinks at your marginal rate after federal + state/provincial + FICA/CPP.

Compound Interest

Discover how compound interest can grow your savings exponentially over time.

Emergency Fund

Determine the ideal emergency fund size based on your monthly expenses.

RRSP Tax Savings

Calculate the exact tax refund from your RRSP contribution using 2026 federal and provincial brackets, then see what it really cost you.

TFSA vs RRSP Optimizer 2026

Compare TFSA vs RRSP after-tax retirement value based on your current and expected retirement marginal tax rate. Get an optimal split recommendation.

RESP

Project Canadian RESP balance at age 18 including 20% CESG match, low-income additional CESG, CLB, and Quebec QESI. See total free government money.

Latte Factor

See what your daily coffee, lunch, or impulse spend actually costs you over a lifetime if invested instead. No preachiness — just the real math.

Savings Goal

Solves the savings-goal triangle: target amount, monthly contribution, timeline. See if you're ahead, on track, or behind — and the exact monthly fix.

FHSA

Project your FHSA balance at home purchase, including tax deduction value at your marginal rate, plus combined access with the Home Buyers' Plan.

Retirement Savings

Calculate if you're saving enough for retirement and how to bridge the gap.

Coast FIRE

Find out if you've already hit Coast FIRE — the savings number that grows untouched into your full retirement target. Plus the age you'll get there.

Pension Value

Calculate the lifetime present value of your pension and compare against a lump sum buyout. See the break-even age and crossover math.

Early Retirement Penalty

Model the tax + penalty cost of an early retirement-account withdrawal. RRSP, 401(k), Traditional/Roth IRA, UK SIPP, Australian Super — with all exceptions.

Opportunity Cost

Compute the future value of a purchase if invested instead. See what your $30K car or $20K vacation costs in lost investment growth over 10-30 years.

Free Budget

Track your income and expenses to achieve financial stability and reach your goals.

Net Worth

Calculate your total net worth by subtracting liabilities from assets.

Baby Cost

Calculate the real cost of having a baby — childcare, diapers, formula, gear, medical — by country and province with parental leave income estimate.

Wedding Budget

Plan a wedding budget with smart allocation across venue, catering, photography, attire, and music — compared against your city's average per-guest cost.

Divorce Settlement

Estimate the marital-asset split, equalization payment, spousal support, and child support based on your jurisdiction. Family-law orientation tool.

Pet Cost

Calculate the lifetime cost of owning a pet — first year, annual ongoing, and lifetime total. Adoption vs breeder, with vs without insurance.

Gap Year / Sabbatical

Compute the all-in cost of a career break: living, travel, lost income, foregone investment growth, and the career penalty on return.

Rental Property ROI

Calculate monthly cash flow, cap rate, cash-on-cash return, and total ROI over 5/10/20 years for a rental property investment.

Home Renovation ROI

See which home renovations actually pay back at sale. Compare ROI by reno type, finish tier, and region — with the over-improvement warning.

Airbnb vs Long-Term Rental

Compare gross + net economics of running a property as Airbnb vs a traditional lease. Includes occupancy break-even and effective hourly rate of hosting.

Commute Cost

Compute the all-in cost of driving vs transit vs hybrid commute including fuel, parking, depreciation, insurance, and the dollar value of your time.

Cost of Living Comparison

Compare living costs between locations to determine salary requirements.

Inflation

See what today's dollars will be worth in the future, or what past prices equal today.

Lease vs Buy a Car

Compare the total cost of leasing vs buying a car over your full ownership period, including maintenance, insurance, and equity.

Student Loan Payoff

Calculate your student loan payoff timeline, IDR vs standard, forgiveness scenario with tax bomb, and refinance comparison.

Subscription Audit

Audit every recurring subscription and see total monthly cost, "rarely used" + "forgot I had it" cancel-now savings, and what they'd be worth invested.

Side Hustle

Calculate the real after-tax hourly rate of a side hustle once you net out expenses, self-employment tax, and your marginal bracket. US + Canada.

Moving Cost

See the all-in cost of moving cities including the salary you'd need in the new city to maintain your standard of living. DIY vs professional movers.

Net Worth Percentile

See your net worth percentile in your age cohort and country. Compare to median, mean, and the dollars to the next percentile milestone.

Parental Leave Income

Compute monthly income during parental leave by country: EI / QPIP in Canada, statutory programs in the US (state-based) + UK / FR / DE, plus employer top-up.

Tax Refund Estimator 2026

Estimate whether you'll get a refund or owe at filing. 2026 federal + state/provincial brackets, withholding check, RRSP/401(k) effect, deduction impact.

Inheritance Tax

Estimate the tax + probate cost of an inheritance in 6 countries. Spousal exemptions, asset-type rules (cash vs property vs retirement), executor fees.