Financial Tools
Interactive calculators to help you make informed money decisions
Foundations
FreeEssential tools to build your financial foundation
Budget Calculator
Create a monthly budget with 50/30/20 guidelines
Debt Payoff Calculator
Compare snowball vs avalanche strategies
Paycheck Decoder
Understand where your paycheck goes
Emergency Fund Tracker
Track progress toward your safety net
Debt Inventory
Get a complete picture of all debts
Credit Score Explainer
Understand the 5 factors affecting your score
Credit Utilization
Calculate and optimize your credit usage
What Should I Do First?
Personalized next steps for your situation
Bill Calendar
Track due dates and set reminders
Savings Goal Tracker
Track progress toward specific goals
Scam Red Flag Checker
Identify predatory products and scams
Net Worth Calculator
Calculate assets minus liabilities
Grocery Budget Planner
Plan meals and track grocery spending
Subscription Tracker
Find and cut unnecessary subscriptions
Tip & Bill Splitter
Calculate tips and split bills with friends
Impulse Purchase Pauser
See what impulse buys could become if invested
Gas & Commute Calculator
Calculate monthly commute costs and compare options
Unit Price Comparator
Compare prices per unit to find the best deal
Moving Cost Estimator
Estimate total costs of moving to a new place
Coupon & Discount Calculator
Stack discounts and see your real savings
Cash Flow Tracker
Track monthly income vs. expenses and net cash flow
Expense Tracker
Track and categorize your daily expenses
Inflation Calculator
See how inflation erodes purchasing power over time
Car Affordability Calculator
Find out how much car you can afford based on your income
Rule of 72
Quickly estimate how long it takes to double your money
Family Support Planner
Calculate sustainable family financial support
Exception Tracker
Track 'one-time' expenses and see the real pattern
Building
PlusTools to grow your wealth and optimize your finances
401(k) Optimizer
Maximize your employer retirement match
Compound Interest Visualizer
See the power of compound growth
Roth vs Traditional
Which retirement account is right for you?
Retirement Projector
Project your retirement savings growth
Investment Simulator
Practice investing with paper trading
Asset Allocation Helper
Age-appropriate investment mix
Net Worth Tracker
Track net worth over time with trends
House Affordability
How much house can you afford?
Rent vs Buy Analyzer
Compare renting vs buying over time
Tax Bracket Calculator
Understand marginal vs effective rates
HSA Strategy Guide
Triple tax advantage explained
Savings Rate Calculator
Calculate your path to financial freedom
Debt-Free Date
Calculate your exact payoff date
Side Income Tracker
Track gig income and true hourly rate
Employer Benefits Analyzer
Find underutilized workplace benefits
Portfolio Tracker
Track holdings with real-time prices and gain/loss
Dividend Tracker
Track and project dividend income from your portfolio
Stock Screener
Filter stocks by sector, market cap, P/E ratio, and dividend yield
Loan Comparison Tool
Compare multiple loan offers side by side
Student Loan Planner
Calculate and compare student loan repayment strategies
Break-Even Calculator
Calculate the break-even point for business or investment decisions
Opportunity Cost Calculator
Calculate the true cost of financial decisions
Financial Snapshot
Complete overview of your current financial health
Group Bill Splitter
Itemize and split bills among groups with tip calculation
Mortgage Calculator
Calculate mortgage payments, amortization, and total cost
Auto Loan Calculator
Calculate monthly auto loan payments and total interest
Wealth
ProAdvanced tools for long-term wealth planning
Options Profit Calculator
Visualize profit/loss for any options strategy
FIRE Calculator
Plan your path to financial independence
Account Dashboard
SoonConnect and sync all your accounts
Portfolio Analyzer
Analyze allocation, exposure, and risk
Asset Location Optimizer
Optimize investments across account types
Tax-Loss Harvesting
Identify tax-saving opportunities
Backdoor Roth Guide
Step-by-step for high earners
Mega Backdoor Roth
Advanced retirement contribution strategy
Withdrawal Strategy
Plan retirement account withdrawals
Social Security Optimizer
Maximize your SS benefits
Real Estate Investment
Analyze rental property returns
Net Worth Projection
Project wealth growth over decades
Estate Planning Checklist
Essential documents and decisions
Beneficiary Audit
Review and update beneficiaries
Charitable Giving Optimizer
Tax-efficient donation strategies
529 Plan Analyzer
College savings projections
Equity Compensation
RSUs, options, and ESPP strategies
Alternative Investments
Track non-traditional assets
Family Financial Dashboard
SoonHousehold finances at a glance
Generational Wealth Planner
Build wealth for future generations
Investment Fee Analyzer
See the true cost of fees over time
Retirement Income Planner
Plan sustainable retirement withdrawals
Tax Withholding Estimator
Optimize your W-4 settings
Bond Yield Calculator
Calculate bond returns and yields
Bond Ladder Builder
Create a diversified bond portfolio
Capital Gains Calculator
Calculate short-term and long-term capital gains taxes
RMD Calculator
Calculate Required Minimum Distributions from retirement accounts
Monte Carlo Simulator
Simulate thousands of retirement scenarios to test your plan
Lean FIRE Calculator
Calculate your path to financial independence on a lean budget
Fat FIRE Calculator
Plan for financial independence with a luxury lifestyle
Barista FIRE Calculator
Plan part-time work with partial financial independence
Coast FIRE Calculator
Find when compound growth alone reaches your retirement goal