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What if you ran
the numbers first?

Real-life decisions are complicated. These tools help you see the numbers clearly — before you commit.

10 calculators

8 life categories

free always

01 Personal finance

What if I invested $X/month consistently? How much would I have in 20 years?

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What if I paid an extra $X/month? Avalanche vs. snowball — which saves more?

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02 Home & mortgage

What if I bought instead of renting? When does owning actually win?

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Refinance break-even

What if I refinanced at a lower rate? How long until I recoup the closing costs?

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03 Career & income

Salary negotiation

What if I negotiated $10k more? How much is that worth over a 20-year career?

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Side income runway

What if my side income could replace my job? How close am I, really?

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04 Education & student loans

Loan payoff strategy

What if I refinanced or made extra payments? Which approach gets me out fastest?

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05 Major purchases

Lease vs. buy a car

What if I leased instead of financing? Total cost over 5 years — which wins?

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06 Health & insurance

Health plan comparison

What if I switched to an HDHP + HSA? Am I actually saving money?

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07 Life decisions

Early retirement (FIRE)

What if I retired at 45? What's my number, and how far away am I?

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City cost comparison

What if I moved to a cheaper city? How much of a raise would that be in real terms?

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08 Tax & take-home pay

What if I adjusted my W-4 withholding? How much hits my paycheck each month?

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