It recommends — not just computes
Most calculators hand you a number and leave. Ours reads the number and tells you what to do, with the conditions that would change the answer.
Money decisions, actually decided.
14 deep calculators for the money decisions that matter — each one doesn’t just compute, it gives a reasoned, conditional recommendation with every assumption shown, sourced, and editable. Computed in your browser. Nothing to sell you.
14 calculators · no accounts · nothing to sell
It sells nothing
No products, no lead-gen, no pay-to-rank. The recommendation is computed and published before any link is ever sought — so who pays can never move it.
It shows its work
Every assumption is visible, sourced, and editable; every formula is on the page. A model based on your numbers — a scenario projection, not a forecast.
Calculators for every money decision
Pick the decision you’re facing. Every one is live, free, and runs in your browser — no sign-up.
Buying a home
Rent or buy, mortgage payments, how much house, prepay or invest.
Paying off debt
Loan payments, which debt first, and how fast you can be free of it.
Saving & investing
What to fund first, and whether you’re on track.
Everyday money tools
The small, exact answers you need now and then.
Decision guides
Prefer to read it through first? Each guide walks one money decision with worked numbers and charts, then hands you the calculator.
Housing Rent vs. Buy: When Does Buying Actually Win? Renting is not throwing money away. The real comparison is buying versus renting and investing the difference, and it has a crossover year. Read the guide → Housing How Much House Can You Afford? The Guideline Number and the Lender's Maximum The same income supports two very different prices: the one a 28/36 guideline allows and the one conventional debt-to-income limits allow. See both, and what the payment must cover. Read the guide → Housing Prepay the Mortgage or Invest? The Break-Even Return Extra principal pays a guaranteed return; investing pays an expected one. The break-even return is where the answer changes, and total interest saved is not the number that finds it. Read the guide → Debt & borrowing Why Your Credit Card Takes So Long to Pay Off, and What an Extra $50 Changes A fixed-payment comparison shows how another $50 changes the payoff term and total interest, and why the statement minimum is a different calculation. Read the guide → Debt & borrowing Why Your Student Loan Balance Can Grow While You Pay Every Month A calculated monthly payment can fall below accrued interest. See how negative amortization changes the amount owed and why capitalization is a separate event. Read the guide → Debt & borrowing Highest Interest Rate or Snowball? What Choosing the Order Costs Both orders on one set of balances: the interest the choice is worth, how much larger the monthly payment effect is, and what the evidence says about finishing. Read the guide → Investing & priorities Where Should Your Next Dollar Go? The Order of Operations for Extra Money The order to fund things in, and the return on each step, from the 401(k) match down to the mortgage. Read the guide → Retirement & goals Are You on Track to Retire? Start With Spending, Not Salary Compare the balance your saving pattern could produce with the balance your spending plan requires, then test the assumptions that decide the result. Read the guide →
How every calculator works
It reads the number and tells you what to do.
Not a bare number — a reasoned, conditional recommendation. Flip through a few:
It weighs buying against renting and investing the difference, names the year buying pulls ahead, and shows what would flip the answer.
Open rent vs. buyA sample verdict
Over 10 years, renting & investing comes out about $20,276 ahead — but it’s close, and here’s exactly what would flip it.
It compares paying your mortgage down early against investing the same money — after tax, at your rates — and says which builds more wealth.
Open prepay vs. investA sample verdict
At a 6.5% rate and 7% expected return, investing the extra edges ahead by about $8,400 over 15 years — raise the mortgage rate and it flips to prepaying.
It runs avalanche against snowball on your real debts and shows the trade-off: total interest versus how fast you feel progress.
Open debt payoffA sample verdict
Avalanche saves about $1,240 in interest — but snowball clears your first card 4 months sooner. It shows both, so the call is yours.
It orders your emergency fund, employer match, high-interest debt, and investing — for your numbers, with the reason behind each step.
Open what to fund firstA sample verdict
Paying the 22% card before the 401(k) match? A dollar-for-dollar match is an instant 100% return — take it first. Here’s the full order for your numbers.
Computed in your browser — no accounts, and calculator entries aren’t sent.
Every figure sourced and dated; every formula shown.
The recommendation can’t be changed by who pays.