Smart Decision Tools
Money choices are rarely about one number.
Compare the full picture—money, time, benefits, risk, and lifestyle—then see what drives the answer.
Live decision preview82/100
Should I take this job?
Offer A value$108,400
Offer B value$101,700
Commute cost difference+$3,200
Extra free time value+$4,800
Health benefits difference−$1,900
Overall winnerOffer A+$6,700 / year
01Compare complete valueNot just the obvious monthly payment.
02See the tradeoffsEvery recommendation shows its drivers.
03Stress-test assumptionsChange any input and the answer updates.
Choose your decision
What are you working through?
Six focused collections for decisions with lasting financial consequences.
↗01
Money decisions
Compare the real tradeoffs behind the biggest choices in your financial life.
6 toolsExplore →
◎02
Job & salary decisions
Put salary, benefits, time, flexibility, and location on the same scoreboard.
7 toolsExplore →
⌂03
Home decisions
Make housing choices with a realistic view of cash flow, risk, and long-term cost.
4 toolsExplore →
◇04
Moving & relocation
Compare locations using take-home pay, housing, moving costs, and lifestyle—not salary alone.
5 toolsExplore →
△05
Education decisions
Evaluate tuition as an investment with debt, time out of work, and realistic earnings.
5 toolsExplore →
◫06
Car decisions
Compare vehicles by total ownership cost instead of monthly payment alone.
5 toolsExplore →
Start here
Interactive decision tools
Our first complete tools are ready to use—private, instant, and built for comparison.
Everyday money01
Can I afford a career break?
Model your runway, lost income, and return-to-work buffer.
Open decision tool →Work and compensation02
Compare two job offers
Compare total value, commute, time, benefits, and fit.
Open decision tool →Work and compensation03
Relocation salary calculator
Find the salary that preserves your current lifestyle.
Open decision tool →Where to live04
Required salary to maintain lifestyle
Calculate the offer needed to keep your disposable income.
Open decision tool →Learning and ROI05
College ROI calculator
Estimate payback time, ten-year ROI, and earnings break-even.
Open decision tool →Driving06
EV vs gas car
Compare purchase price, fuel, charging, maintenance, and incentives.
Open decision tool →Quick calculationsLooking for the classic calculator library?
60 focused tools for mortgages, taxes, savings, retirement, debt, and more.
Browse all +
Looking for the classic calculator library?
60 focused tools for mortgages, taxes, savings, retirement, debt, and more.
🏠Mortgage Calculators
Mortgage Payoff CalculatorMonthly payment, total interest & full amortization schedule.→Refinance Break-Even CalculatorMonthly savings, break-even month, and lifetime savings.→Home Affordability CalculatorMax home price using the 28/36 rule based on income and debts.→15-Year vs 30-Year Mortgage CalculatorCompare monthly payment and total interest for each loan term.→Mortgage Points CalculatorCompare discount points, monthly savings, and the break-even date.→Mortgage Closing Cost CalculatorEstimate cash to close from down payment, fees, prepaids, and credits.→HELOC vs Home Equity LoanCompare fixed payments with a HELOC draw and repayment period.→HELOC Payment CalculatorModel interest-only draw payments, repayment payments, and available equity.→PMI Removal CalculatorEstimate when conventional PMI may reach request and automatic-termination thresholds.→Self-Employed Mortgage IncomeEstimate qualifying income using two-year Schedule C averaging and add-backs.→Bank Statement Loan CalculatorEstimate non-QM qualifying income from deposits and an expense factor.→Home Equity Loan CalculatorMonthly payment and total cost for a HELOC or home equity loan.→Rent vs Buy CalculatorCompare the true cost of renting vs. buying, including equity and appreciation.→Rental Property CalculatorEstimate NOI, cap rate, cash flow, and cash-on-cash return.→
💳Loan Calculators
Personal Loan CalculatorMonthly payment and APR comparison for any personal loan.→Auto Loan CalculatorCar payment with trade-in, down payment, and term comparison.→Lease vs Buy CalculatorCompare the true cost of leasing vs. financing a car.→EMI CalculatorEquated monthly installment with principal vs. interest breakdown.→Student Loan CalculatorRepayment schedule, payoff date, and total interest for student debt.→Student Loan Plan ComparisonCompare standard amortization with an income-linked payment illustration.→
📋Tax Calculators
Federal Income Tax 20262026 IRS brackets, FICA, effective rate, and monthly take-home pay.→Take-Home Paycheck CalculatorNet pay per paycheck after federal, FICA, state tax, and 401(k).→Self-Employment Tax CalculatorEstimate 2026 Social Security, Medicare, and quarterly reserves.→Quarterly Estimated Tax CalculatorEstimate quarterly federal payments and safe-harbor targets for 1099 income.→
🌅Retirement Calculators
Retirement Savings CalculatorProject your nest egg at retirement with compound growth modeling.→401(k) Calculator2026 limits, employer match modeling, and projection chart.→FIRE CalculatorYour FIRE number and years to financial independence using the 4% rule.→Roth vs Traditional IRA CalculatorCompare after-tax value using your contribution and tax rates now vs. retirement.→Roth Conversion CalculatorSee if converting a Traditional balance to Roth is worth the upfront tax bill.→Social Security Claiming CalculatorCompare claiming ages, adjusted benefits, and lifetime benefit estimates.→Required Minimum Distribution CalculatorEstimate a 2026 RMD using the IRS Uniform Lifetime Table.→
🏦Savings & Debt
Compound Interest CalculatorSavings growth with regular deposits and rate comparison.→Savings Goal CalculatorFind the exact monthly deposit to reach a target by your deadline.→CD Ladder CalculatorBuild equal, staggered CD maturities and estimate initial interest.→HYSA vs CD CalculatorCompare flexible savings with a CD and early-withdrawal penalty.→Emergency Fund CalculatorSize your 3–6 month cushion and get a funding timeline.→Debt Payoff CalculatorCompare the snowball and avalanche methods across all your debts.→Debt Snowball CalculatorPay off debt smallest balance first and see your exact debt-free date.→Debt Consolidation Loan CalculatorSee if consolidating your debts into one loan saves money.→Debt-to-Income (DTI) CalculatorFront-end and back-end DTI vs. the 28/36 and 43% lender rules.→Net Worth CalculatorAdd up assets and liabilities to track your overall financial picture.→Monthly Budget Calculator50/30/20 rule breakdown — needs, wants, and savings from your income.→
💳Credit Cards
Credit Card Payoff CalculatorSee your debt-free date and total interest paid vs. minimum payments.→APR CalculatorConvert between APR and daily/monthly rates and compare card offers.→Balance Transfer CalculatorCalculate savings from moving balances to a 0% intro APR card.→Rewards & Cash Back CalculatorEstimate annual rewards earnings based on your spending categories.→Credit Utilization CalculatorCheck your overall and per-card utilization ratio and paydown targets.→
📈Brokerage Accounts
Investment Return CalculatorProject portfolio growth with contributions, rate of return, and inflation.→Stock Profit / Loss CalculatorCalculate gain or loss on a stock trade including commissions.→Dividend Yield CalculatorAnnual dividend income and yield-on-cost from stocks or ETFs.→Capital Gains Tax CalculatorShort- and long-term federal capital gains tax on investment sales.→529 College Savings CalculatorProject your 529 balance and state tax deduction savings.→Position Size & Risk CalculatorCalculate shares and dollars at risk from entry and stop prices.→
🛡️Insurance
Life Insurance Coverage CalculatorEstimate how much life insurance you need using the DIME method.→Insurance Premium EstimatorEstimate your auto or home insurance premium based on coverage and risk.→HSA Contribution & Tax Savings CalculatorSee your HSA's tax savings and projected balance using 2026 limits.→
🧮Other Financial Tools
Inflation CalculatorSee how purchasing power changes over time using CPI data.→Currency ConverterLive exchange rates for 150+ currencies for travel and business.→Cost of Living CalculatorCompare cities and find the salary you'd need to relocate.→Salary & Raise CalculatorConvert salary to hourly and see your new pay after a raise.→