Category 01
Personal money calculators
Plan spending, saving, debt, and pay without opening a spreadsheet.
22 practical tools
All 22 calculators are available now with visible formulas and assumptions.
Monthly budget planner
What is left after regular income and expenses?
Emergency fund target
How much cash buffer covers the months you choose?
Savings goal timeline
When will regular contributions reach your target?
Debt snowball vs avalanche
Which debt payoff order is faster or cheaper?
Credit card payoff
How long will repayment take and what will interest cost?
Compound savings growth
What can recurring savings become over time?
Net worth
What do you own after subtracting what you owe?
Subscription annual cost
What do all those recurring charges cost per year?
Salary to hourly pay
What is your effective hourly, weekly, or monthly pay?
Raise or pay-cut impact
What does a compensation change mean per pay period?
Sinking fund contribution
How much should you set aside each month for a known future cost?
Irregular income budget
What baseline budget fits income that changes month to month?
Debt-to-income ratio
What share of gross monthly income goes to debt payments?
Personal savings rate
What percentage of take-home income are you keeping?
Inflation purchasing power
What might today’s money buy after several years of inflation?
Retirement income runway
How long can retirement savings support the income gap you expect?
Investment fee drag
How much could an annual investment fee reduce the value of regular savings?
Compound annual growth rate
What constant annual rate turns a starting amount into an ending amount?
50/30/20 budget split
How should take-home pay split across needs, wants, and savings?
Rule of 72 doubling time
How many years does this annual rate take to double a balance?
Present value of a future sum
What is this future amount worth in today's money?
Required minimum distribution
What required minimum distribution does Table III give for these IRA balances?