Plan a single-debt payoff from balance, rate, and monthly payment. See months to debt-free with a payoff timeline — free, local, no signup.
Calculate monthly mortgage payments with amortization schedule. Enter loan amount, interest rate, and term to see total interest paid. Figures never leave your device — every calculation runs locally in your browser.
Compare buy net cost against rent total over a timeframe you set, from home price, down payment, mortgage rate, and monthly rent. Figures never leave your device — every calculation runs locally in your browser.
Calculate the future value of monthly savings with compound interest. Plan your savings goals and see your money grow over time. Figures never leave your device — every calculation runs locally in your browser.
Compute monthly burn and runway from starting balance, ending balance, and months elapsed. Know exactly how many months remain — free, local, no signup.
Compute startup runway from cash balance and monthly burn — months until decisions. Act at 12 months, not 3 — free, local, no signup.
The tool handles one debt at a time, so there is no multi-debt ordering. As a rule avalanche (highest rate first) saves the most interest; snowball (smallest balance first) wins psychologically — run each debt through separately in that order.
Enormously early. There is no separate extra-payment field — raise the monthly payment figure instead and compare the months-to-payoff before and after.
One debt per run here: enter balance, rate, and payment for each debt separately. Never skip minimums chasing optimizations.
No — planning runs locally in your browser. Sensitive figures never leave your device.
$10,000 at 18% paying $500/month clears in 24 months (shown as 2 yr 0 mo). The tool simulates month-by-month up to a 600-month cap — and if your payment doesn’t cover the first month’s interest ($150 here), the result stays blank, which means raise the payment.
Net Worth Calculator
Compute net worth from total assets minus total liabilities. Track the number that actually matters yearly — free, local, no signup.
Tax Calculator
Estimate US federal income tax across progressive brackets with filing-status comparison, plus state tax and FICA. See what you keep before filing season — free, local, no signup.
Last updated October 2026