Responsive calculators for investing, retirement, housing, planning and debt.
Growth, targets, returns and the drag of fees.
Estimate how an investment grows from a starting balance plus recurring monthly contributions.
Compounding is applied at the chosen frequency while contributions are added monthly. The chart shows projected balance over time, with final value split between principal contributed and investment growth.
Measure total return and annualized growth rate between a starting value and an ending value.
Total return equals ending value divided by starting value minus one. CAGR is computed as (ending / starting)1/years - 1.
Project the future value of a lump sum or series of contributions at a given rate of return.
FV = PV × (1 + r/n)n×t + PMT × [(1 + r/n)n×t − 1] / (r/n). The lump sum and annuity components are calculated separately and summed.
Find out how much you need to invest today to reach a specific future amount.
PV = [FV − PMT × ((1 + r/n)n×t − 1) / (r/n)] / (1 + r/n)n×t. This is the lump sum required today so that, combined with regular contributions, the portfolio reaches the target.
See how ongoing investment fees can erode long-term wealth.
Two scenarios are projected monthly: one at the gross return rate and one at the net return rate after the fee drag. The difference is the wealth lost to fees over time.
Withdrawal durability, sustainable income and financial independence targets.
Model how long a retirement portfolio may last with monthly withdrawals that rise with inflation.
The model runs month by month. Growth is applied monthly, withdrawals are taken monthly and the withdrawal amount rises gradually with the inflation input.
Estimate a monthly withdrawal that a portfolio may be able to sustain over a chosen retirement period.
A binary search is used to find the highest starting monthly withdrawal that keeps the final balance at or above zero by the end of the simulation period.
Estimate the portfolio target and approximate time needed to reach financial independence.
The target portfolio is annual spending divided by the chosen withdrawal rate. Investments grow yearly with added annual savings until the target is reached or the simulation cap is hit.
Model mortgage payments, affordability and the true cost of buying a home.
Calculate monthly mortgage principal and interest, then add taxes, insurance and HOA for the full housing payment.
The standard amortization formula is used for principal and interest. Taxes, insurance and HOA are added separately to produce the full monthly payment.
Estimate the maximum home price you can afford based on income, debts, down payment and interest rate.
The maximum monthly housing payment is the DTI ratio applied to gross monthly income, minus existing monthly debts. That payment is used to back-calculate the largest loan a lender would likely approve using the standard amortization formula. Home price equals loan plus down payment.
Translate nominal dollars into real purchasing power and project overall wealth.
Solve for the monthly amount required to reach a target future balance.
This uses the future value of the existing balance plus a monthly contribution annuity. It solves for the contribution needed to reach the target at the end of the period.
See how inflation changes the future nominal price of something and the shrinking purchasing power of today's dollars.
Nominal future value grows by the inflation rate. Real purchasing power is the inverse view: what a future nominal amount is worth in today's dollars.
Project how assets, debts and monthly saving combine to change net worth over time.
Assets grow monthly and receive monthly savings. Debts compound monthly in this simplified model. Net worth equals assets minus debts at each step.
Understand payment burdens, payoff timelines and repayment strategy.
Project payoff date and total interest for an installment loan with optional extra payment.
The balance is simulated month by month. Interest accrues monthly and the payment plus extra payment is applied. A warning appears if the payment cannot reduce principal.
Measure how long revolving debt takes to disappear and how much interest it costs.
This is the same month-by-month logic as the loan calculator but using APR divided by 12. If the payment does not exceed monthly interest, the balance will never decline.
Compare a snowball-style balance focus against an avalanche-style interest focus using a simplified four-debt model.
Each month, minimum payments are made on all debts and the remaining extra payment is sent to either the smallest balance first or the highest APR first. This is a simplified comparison tool, not a lending statement engine.