Money, beyond tax
Personal finance calculators
Net worth, retirement timing, budgeting and debt, the money questions that sit alongside the tax ones. All run in your browser; nothing is stored.
Where you stand
- Net worth everything you own minus everything you owe
Retirement & independence
- FIRE, how long until I’m rich? years to financial independence at your savings rate
- When can I retire? the age your savings can replace your income
- Cost of waiting to invest what a few years’ delay costs by retirement
Everyday money
- 50/30/20 budget needs, wants and savings from your take-home pay
- Credit card minimum-payment trap how many years the minimum really takes
- Subscription audit the real yearly cost of “just a few dollars a month”
Big decisions
- Buy vs rent the break-even year where buying beats renting
- Salary by city what your pay is worth in another city
- College degree ROI lifetime earnings with a degree vs without
- College savings gap projected 529 savings vs the future cost
Income & work
- Lifetime tax paid federal, state and FICA across a whole career
- Gender pay gap the gap in your occupation, and its lifetime cost
- Profit margin gross margin, net margin and markup
These are planning tools built on standard time-value-of-money math. Rates of return, inflation and withdrawal assumptions are yours to set, treat every projection as an illustration, not a promise. Not financial advice.