Tool workbench

Pick the calculator for your money moment.

Start with a real situation, then open the tool. The directory below stays compact on purpose: less browsing, more deciding.

Tools
85
Free starters
27
Money lanes
8
High-stakes
20
A person reviewing expenses and financial notes.

One tool, one decision

Budget, debt, credit, housing, investing. Keep the math close to the life moment.

Start with the situation

Four common workbenches.

These are curated entry points, not fake testimonials. Pick the closest one and move from there.

Start here

Paycheck Decoder

Understand where your paycheck goes

Best first use

Use first when income feels harder to read than it should.

Stress level

Decision support

Access

Free

Earn tool directory
ToolPressureAccessMove

Side Income Tracker

Track gig income and true hourly rate

Decision supportPlus

Employer Benefits Analyzer

Find underutilized workplace benefits

Decision supportPlus

Equity Compensation

RSUs, options, and ESPP strategies

Decision supportPro

Start here

Budget Calculator

Create a monthly budget with 50/30/20 guidelines

Best first use

Use first when you need a clear snapshot of the month.

Stress level

Decision support

Access

Free

Spend tool directory
ToolPressureAccessMove

Grocery Budget Planner

Plan meals and track grocery spending

Decision supportFree

Subscription Tracker

Find and cut unnecessary subscriptions

Decision supportFree

Tip & Bill Splitter

Calculate tips and split bills with friends

Low-pressureFree

Impulse Purchase Pauser

See what impulse buys could become if invested

Decision supportFree

Gas & Commute Calculator

Calculate monthly commute costs and compare options

Decision supportFree

Unit Price Comparator

Compare prices per unit to find the best deal

Low-pressureFree

Moving Cost Estimator

Estimate total costs of moving to a new place

Decision supportFree

Coupon & Discount Calculator

Stack discounts and see your real savings

Low-pressureFree

Cash Flow Tracker

Track monthly income vs. expenses and net cash flow

Decision supportFree

Expense Tracker

Track and categorize your daily expenses

Decision supportFree

Exception Tracker

Track 'one-time' expenses and see the real pattern

Decision supportFree

Break-Even Calculator

Calculate the break-even point for business or investment decisions

Decision supportPlus

Opportunity Cost Calculator

Calculate the true cost of financial decisions

Decision supportPlus

Group Bill Splitter

Itemize and split bills among groups with tip calculation

Low-pressurePlus

Start here

Emergency Fund Tracker

Track progress toward your safety net

Best first use

Use first when you want a starter target, not a perfect plan.

Stress level

Decision support

Access

Free

Save tool directory
ToolPressureAccessMove

Savings Goal Tracker

Track progress toward specific goals

Decision supportFree

Inflation Calculator

See how inflation erodes purchasing power over time

Decision supportFree

Rule of 72

Quickly estimate how long it takes to double your money

Low-pressureFree

Savings Rate Calculator

Calculate your path to financial freedom

Decision supportPlus

Start here

Debt Payoff Calculator

Compare snowball vs avalanche strategies

Best first use

Use first before a payment, balance, or application becomes urgent.

Stress level

Higher-stakes

Access

Free

Borrow tool directory
ToolPressureAccessMove

Debt Inventory

Get a complete picture of all debts

Higher-stakesFree

Credit Score Explainer

Understand the 5 factors affecting your score

Higher-stakesFree

Credit Utilization

Calculate and optimize your credit usage

Higher-stakesFree

Car Affordability Calculator

Find out how much car you can afford based on your income

Higher-stakesFree

Debt-Free Date

Calculate your exact payoff date

Higher-stakesPlus

Loan Comparison Tool

Compare multiple loan offers side by side

Higher-stakesPlus

Student Loan Planner

Calculate and compare student loan repayment strategies

Higher-stakesPlus

Mortgage Calculator

Calculate mortgage payments, amortization, and total cost

Higher-stakesPlus

Auto Loan Calculator

Calculate monthly auto loan payments and total interest

Higher-stakesPlus

Start here

What Should I Do First?

Personalized next steps for your situation

Best first use

Use first when a rule, date, or document could change the outcome.

Stress level

Decision support

Access

Free

Protect tool directory
ToolPressureAccessMove

Bill Calendar

Track due dates and set reminders

Decision supportFree

Scam Red Flag Checker

Identify predatory products and scams

Decision supportFree

Tax Bracket Calculator

Understand marginal vs effective rates

Higher-stakesPlus

HSA Strategy Guide

Triple tax advantage explained

Decision supportPlus

Estate Planning Checklist

Essential documents and decisions

Higher-stakesPro

Beneficiary Audit

Review and update beneficiaries

Higher-stakesPro

Charitable Giving Optimizer

Tax-efficient donation strategies

Decision supportPro

529 Plan Analyzer

College savings projections

Decision supportPro

Tax Withholding Estimator

Optimize your W-4 settings

Higher-stakesPro

Start here

Compound Interest Visualizer

See the power of compound growth

Best first use

Use first when you want to see the tradeoff before adding risk.

Stress level

Decision support

Access

Plus

Invest tool directory
ToolPressureAccessMove

401(k) Optimizer

Maximize your employer retirement match

Decision supportPlus

Roth vs Traditional

Which retirement account is right for you?

Decision supportPlus

Retirement Projector

Project your retirement savings growth

Decision supportPlus

Investment Simulator

Practice investing with paper trading

Decision supportPlus

Asset Allocation Helper

Age-appropriate investment mix

Decision supportPlus

Portfolio Tracker

Track holdings with real-time prices and gain/loss

Decision supportPlus

Dividend Tracker

Track and project dividend income from your portfolio

Low-pressurePlus

Stock Screener

Filter stocks by sector, market cap, P/E ratio, and dividend yield

Decision supportPlus

Options Profit Calculator

Visualize profit/loss for any options strategy

Decision supportPro

Portfolio Analyzer

Analyze allocation, exposure, and risk

Decision supportPro

Asset Location Optimizer

Optimize investments across account types

Decision supportPro

Tax-Loss Harvesting

Identify tax-saving opportunities

Decision supportPro

Backdoor Roth Guide

Step-by-step for high earners

Decision supportPro

Mega Backdoor Roth

Advanced retirement contribution strategy

Decision supportPro

Real Estate Investment

Analyze rental property returns

Decision supportPro

Alternative Investments

Track non-traditional assets

Decision supportPro

Investment Fee Analyzer

See the true cost of fees over time

Decision supportPro

Bond Yield Calculator

Calculate bond returns and yields

Decision supportPro

Bond Ladder Builder

Create a diversified bond portfolio

Decision supportPro

Capital Gains Calculator

Calculate short-term and long-term capital gains taxes

Higher-stakesPro

Start here

Family Support Planner

Calculate sustainable family financial support

Best first use

Use first before a family request turns into a standing obligation.

Stress level

Higher-stakes

Access

Free

Support Family tool directory
ToolPressureAccessMove

Family Financial Dashboard

Soon

Household finances at a glance

Decision supportPro

Generational Wealth Planner

Build wealth for future generations

Higher-stakesPro

Start here

Rent vs Buy Analyzer

Compare renting vs buying over time

Best first use

Use first when you need a baseline for long-term progress.

Stress level

Higher-stakes

Access

Plus

Build Wealth tool directory
ToolPressureAccessMove

Net Worth Calculator

Calculate assets minus liabilities

Decision supportFree

Net Worth Tracker

Track net worth over time with trends

Decision supportPlus

House Affordability

How much house can you afford?

Higher-stakesPlus

Financial Snapshot

Complete overview of your current financial health

Decision supportPlus

Account Dashboard

Soon

Connect and sync all your accounts

Decision supportPro

FIRE Calculator

Plan your path to financial independence

Decision supportPro

Withdrawal Strategy

Plan retirement account withdrawals

Higher-stakesPro

Social Security Optimizer

Maximize your SS benefits

Decision supportPro

Net Worth Projection

Project wealth growth over decades

Decision supportPro

Retirement Income Planner

Plan sustainable retirement withdrawals

Decision supportPro

RMD Calculator

Calculate Required Minimum Distributions from retirement accounts

Decision supportPro

Monte Carlo Simulator

Simulate thousands of retirement scenarios to test your plan

Decision supportPro

Lean FIRE Calculator

Calculate your path to financial independence on a lean budget

Decision supportPro

Fat FIRE Calculator

Plan for financial independence with a luxury lifestyle

Decision supportPro

Barista FIRE Calculator

Plan part-time work with partial financial independence

Decision supportPro

Coast FIRE Calculator

Find when compound growth alone reaches your retirement goal

Decision supportPro