Free Financial Calculators
The same math our members use in the Wealth System worksheets — free, instant, and private. Your numbers never leave your browser.
Mortgage Calculator
Full monthly payment with taxes, insurance, HOA & PMI — plus total interest and a year-by-year schedule.
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Auto Loan Calculator
Car payment with trade-in and sales tax — and what stretching to 72 or 84 months really costs.
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Compound Interest Calculator
Watch contributions become wealth, doubling by doubling — with the Rule of 72 built in.
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Loan Payoff Calculator
How much time and interest an extra monthly payment saves on any loan. The answer is usually 'a lot.'
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Credit Card Payoff Calculator
Your real debt-free date — and the decades-long cost of the minimum-payment trap.
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Rent vs Buy Calculator
The honest version — full ownership costs AND the renter's invested down payment, with your break-even year.
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Retirement Calculator
Your freedom number (25× spending), your projected nest egg, and the monthly amount that closes the gap.
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Debt Payoff Planner
All your debts, one plan — snowball vs avalanche compared side by side with your debt-free date.
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Savings Goal Calculator
Any goal, solved both ways: how long at your monthly amount, or how much per month for your deadline.
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50/30/20 Budget Calculator
Your needs/wants/savings targets from take-home pay — and where your actual spending drifts.
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Emergency Fund Calculator
How much wall your life needs — 3, 6, or 9 months — and how fast you can build it.
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Real Hourly Wage Calculator
Salary ÷ real hours, minus work costs. What an hour of your life actually sells for — and what purchases cost in life-minutes.
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Lifetime Interest Bill
The number banks never mail you: total interest across every debt you carry on the current path.
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Rule of 72 Calculator
How fast money doubles at any rate — for you in investments, against you in debt.
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Inflation Calculator
What today's dollars really buy later, and what 'safe' cash quietly loses every year.
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Net Worth Calculator
Own minus owe — your one-number starting line, with US medians by age for context.
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Like these? The full Wealth System turns this math into a step-by-step plan for your money.
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