Budgeting · 1 of 25
Monthly Budget Calculator
Track your monthly income against all spending categories to see your surplus or deficit and identify where your money goes.
Income
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Expenses
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Budget Summary
Total Income
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Total Expenses
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Monthly Surplus
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Savings Rate
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Budgeting · 2 of 25
Zero-Based Budget Calculator
Assign every dollar a job. Your income minus all allocations should equal exactly zero — no dollar left unplanned.
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Allocations
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Live Tracking
Total Allocated
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Remaining to Assign
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Allocated %
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Budgeting · 3 of 25
50/30/20 Budget Calculator
The 50/30/20 rule allocates 50% of after-tax income to needs, 30% to wants, and 20% to savings and debt repayment.
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Your Actual Spending (Monthly)
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50/30/20 Analysis
After-Tax Monthly
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Needs Target (50%)
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Actual: —
Wants Target (30%)
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Actual: —
Savings Target (20%)
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Actual: —
Savings & Debt · 4 of 25
Debt Payoff Calculator
Compare the Snowball (lowest balance first) and Avalanche (highest interest first) methods. Enter up to 4 debts.
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Debt 1
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Debt 2
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Debt 3 (optional)
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%
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Method Comparison
❄️ Snowball Method
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Interest: —
🏔 Avalanche Method
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Interest: —
Total Debt
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Min-Only Payoff
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Interest Saved
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Savings & Debt · 5 of 25
Net Worth Calculator
Your net worth is the foundation of financial health. Assets minus liabilities equals your true financial position.
Assets
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Liabilities
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Financial Position
Total Assets
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Total Liabilities
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Net Worth
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Debt-to-Asset Ratio
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Savings & Debt · 6 of 25
Emergency Fund Calculator
Financial experts recommend 3–6 months of expenses. See your target, your gap, and how long it will take to get there.
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months
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Emergency Fund Status
Target Amount
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Current Savings
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Gap Remaining
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Months to Goal
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Savings & Debt · 7 of 25
Savings Goal Calculator
Whether you're saving for a vacation, car, home, or wedding — calculate the monthly amount you need to hit your target on time.
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years
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Savings Plan
Required Payment
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per period
Total Contributions
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Interest Earned
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Final Balance
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Investing · 8 of 25
Compound Interest Calculator
The eighth wonder of the world. See how time and compounding frequency dramatically multiply your money.
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%
years
Investment Summary
Future Value
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Total Contributions
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Interest Earned
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ROI
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Year-by-Year
| Year | Balance | Contributions | Interest |
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Investing · 9 of 25
Investment Growth Calculator
Model how a lump sum investment plus regular contributions grows at different expected rates of return over time.
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years
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Growth Projection
Nominal Future Value
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Inflation-Adj. Value
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Total Invested
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Total Gains
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Milestone Years
| Year | Balance | Real Value | Total Gain |
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Investing · 10 of 25
Dollar-Cost Averaging Calculator
Invest a fixed amount at regular intervals to reduce the impact of volatility. DCA smooths out entry price over time.
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years
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DCA Summary
Projected Value
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Total Invested
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Estimated Gain
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Annualized Return
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💡 DCA reduces the risk of investing a large sum at a market peak. By spreading purchases over time, you buy more shares when prices are low and fewer when prices are high, resulting in a lower average cost per share.
Investing · 11 of 25
Retirement Savings Calculator
Are you on track to retire comfortably? Model your projected nest egg and see if it covers your retirement income needs.
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Retirement Projection
Projected Nest Egg
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Monthly Income (4% rule)
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Income Gap / Surplus
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Years to Retirement
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Retirement · 12 of 25
401(k) / IRA Contribution Calculator
See the real cost of contributing to your retirement account after employer match and tax savings are factored in.
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Contribution Analysis
Your Contribution
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Employer Match
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Total Going to Work
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Tax Savings
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Net Paycheck Reduction
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Instant Return
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Retirement · 13 of 25
Roth vs. Traditional IRA
The best choice depends on whether your tax rate is higher now or in retirement. Model both scenarios side by side.
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IRA Comparison
🌱 Roth IRA
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After-tax value
🏛 Traditional IRA
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After-tax value
Future Account Value
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Total Contributions
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Retirement · 14 of 25
Required Minimum Distribution (RMD)
The IRS requires you to withdraw a minimum amount from tax-deferred retirement accounts starting at age 73. Calculate your RMD.
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RMD Calculation
Required Withdrawal
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Monthly Equivalent
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Est. Federal Tax
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After-Tax Amount
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Life Expectancy Factor
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Withdrawal Rate
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⚠️ Failure to take your RMD results in a 25% excise tax on the amount not withdrawn. RMD amounts are based on IRS Uniform Lifetime Table. This is an estimate — consult a financial advisor for precise calculations.
Retirement · 15 of 25
Safe Withdrawal Rate Calculator
Based on the Trinity Study and "4% Rule." Determine how much you can withdraw annually without running out of money in retirement.
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Withdrawal Analysis
Annual Withdrawal
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Monthly Withdrawal
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Portfolio Lasts
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Portfolio Needed (for expenses)
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Depletion Schedule
| Year | Balance | Withdrawal | Return |
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Retirement · 16 of 25
Portfolio Allocation Calculator
Get a recommended asset allocation based on your age, risk tolerance, and investment horizon using established guidelines.
Recommended Allocation
Stocks
Bonds
Cash
Stocks / Equities
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Bonds / Fixed Income
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Cash / Alternatives
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Est. Annual Return
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Retirement · 17 of 25
Portfolio Rebalancing Calculator
See how far your portfolio has drifted from your target allocation and get specific buy/sell amounts to rebalance.
Asset 1
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Asset 2
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Asset 3
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Asset 4 (optional)
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Rebalancing Actions
Portfolio Total
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Target % Allocated
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Retirement · 18 of 25
Monte Carlo Retirement Simulation
Runs 1,000 market simulations to estimate the probability your portfolio survives retirement through varying market conditions.
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Simulation Results
Success Rate
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Portfolio survives
Median Outcome
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Best Case (90th %ile)
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Worst Case (10th %ile)
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10th Percentile
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50th Percentile
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90th Percentile
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Real Estate · 19 of 25
Real Estate Cash Flow Calculator
Analyze a rental property's monthly cash flow, cash-on-cash return, and cap rate before you invest.
Purchase
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%
years
Income
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%
Monthly Operating Expenses
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Investment Analysis
Monthly Cash Flow
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Annual Cash Flow
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Cash-on-Cash Return
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Cap Rate
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Monthly Mortgage (P&I)
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Gross Rent Multiplier
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Real Estate · 20 of 25
Mortgage Payment Calculator
Calculate your full monthly mortgage payment including principal, interest, property tax, and insurance (PITI).
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%
years
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Payment Breakdown
Total Monthly Payment
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Principal & Interest
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Total Interest Paid
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Total Cost of Loan
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Amortization Schedule
| # | Payment | Principal | Interest | Balance |
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Real Estate · 21 of 25
Amortization Schedule Calculator
See your full amortization schedule and discover how extra principal payments dramatically cut your total interest and payoff date.
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%
years
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Loan Summary
Monthly Payment
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Total Interest (standard)
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Interest Saved (extra pmts)
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Payoff Time (with extra)
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Full Amortization Table
| # | Payment | Principal | Interest | Extra | Balance |
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Real Estate · 22 of 25
Cap Rate Calculator
Capitalization rate is the primary metric for comparing real estate investments. Higher cap rates indicate more income relative to price.
Income
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Annual Operating Expenses
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Property Value
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Investment Metrics
Cap Rate
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Net Operating Income
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Gross Rent Multiplier
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Expense Ratio
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Annual Gross Rent
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Effective Gross Income
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Analysis · 23 of 25
Internal Rate of Return (IRR)
IRR is the discount rate that makes the NPV of all cash flows equal to zero. It represents the annualized effective return of an investment.
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Annual Cash Flows (Years 1–8)
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IRR Analysis
Internal Rate of Return
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NPV at Hurdle Rate
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Total Cash Flows
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Decision
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Analysis · 24 of 25
Net Present Value (NPV)
NPV is the difference between the present value of future cash flows and the initial investment. A positive NPV means the investment creates value.
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Annual Cash Flows
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NPV Analysis
Net Present Value
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PV of Cash Flows
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Profitability Index
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Decision
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Cash Flow Detail
| Year | Cash Flow | Discount Factor | Present Value | Cum. PV |
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Analysis · 25 of 25
Return on Investment (ROI)
The simplest measure of investment performance. Calculate total ROI, annualized ROI, and CAGR for any investment.
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years
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Benchmark Comparison
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Return Analysis
Total ROI
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Annualized ROI (CAGR)
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Net Profit
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Benchmark Value
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vs. Benchmark
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Benchmark CAGR
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