Tools

Free financial tools

Calculators to help you run your own numbers — no login, no email required.

401(k) employer match

401(k) Employer Match Calculator

See how much employer 401(k) match you're getting, how much you're leaving on the table, and what it could be worth by retirement.

Budget

50/30/20 Budget Calculator

Split your monthly take-home pay into needs, wants and savings using the 50/30/20 rule, then adjust the percentages to fit your life.

APR to APY

APR to APY Calculator

Convert between APR and APY for any compounding frequency, from yearly to daily and continuous.

Australia take-home pay

Australia Take-Home Pay Calculator

Work out your 2026–27 Australian take-home pay after income tax, the Medicare levy and HELP repayments.

CPP start age

CPP Start Age Calculator

Compare starting your CPP pension at any age from 60 to 70, with monthly amounts, lifetime totals and break-even age.

Car affordability

Car Affordability Calculator

Work out the most expensive car you can afford from the monthly payment you're comfortable with, your down payment, trade-in, rate and taxes.

Compound interest

Compound Interest Calculator

Estimate how savings grow over time with compounding interest.

Credit card payoff

Credit Card Payoff Calculator

See how long it takes to pay off a credit card, the interest you'll pay, and the monthly payment needed to be debt-free by a target date.

Debt consolidation

Debt Consolidation Calculator

Compare keeping your current debts with a consolidation loan, including fees, to see whether consolidating actually saves money.

Debt payoff

Debt Payoff Calculator

Compare the debt avalanche and debt snowball methods and see when you'll be debt-free and how much interest you'll pay.

Emergency fund

Emergency Fund Calculator

Add up your essential monthly costs to find the right emergency fund target for your situation and how long it will take to build.

FIRE

FIRE Calculator

Find your FIRE number and the age you could reach financial independence based on your spending, savings and investment returns.

HELP repayment

HELP Repayment Calculator

Calculate your compulsory HELP (HECS) repayment for 2026–27 under the new marginal system, and how long until your debt is cleared.

Home affordability

Home Affordability Calculator

Estimate how much house you can afford from your income, debts and down payment using the 28/36 guideline, including tax, insurance and PMI.

UK ISA allowance

ISA Allowance Tracker

Track how much of your £20,000 ISA allowance you've used across Cash, Stocks & Shares, Lifetime and Innovative Finance ISAs this tax year.

Inflation

Inflation Calculator

See what a US dollar amount from any year since 1913 is worth today, using official Consumer Price Index data from the BLS.

Loan payment

Loan Payment & Amortization Calculator

Work out your monthly loan payment, total interest and a year-by-year amortization schedule, and see how extra payments cut the cost.

Mortgage

Mortgage Calculator

Estimate your full monthly mortgage payment, including principal and interest, property tax, home insurance, PMI and HOA fees.

Mortgage stress test

Mortgage Stress Test Calculator

See the qualifying rate for the Canadian mortgage stress test and the maximum mortgage you could qualify for using GDS and TDS limits.

Net worth

Net Worth Calculator

List what you own and what you owe to calculate your net worth and debt-to-asset ratio. Entries stay in your browser so you can track progress.

RRSP vs TFSA

RRSP vs TFSA Calculator

Compare saving in an RRSP versus a TFSA based on your marginal tax rate today and in retirement.

Rent vs buy

Rent vs Buy Calculator

Compare the long-run cost of renting and investing the difference against buying a home, and find the year buying breaks even.

Retirement

Retirement Calculator

Project your retirement savings and compare them with the nest egg you'd need for the income you want, adjusted for inflation.

Roth vs traditional

Roth vs Traditional Calculator

Compare Roth and traditional IRA or 401(k) contributions based on your tax rate today versus in retirement.

Rule of 72

Rule of 72 Calculator

Estimate how many years it takes money to double at a given rate, or the rate needed to double in a set time, compared with the exact answer.

Salary sacrifice

Salary Sacrifice Calculator

See how salary sacrificing into super changes your take-home pay, your super balance and your tax, with a concessional cap check.

Salary to hourly

Salary to Hourly Calculator

Convert an annual salary to an hourly wage, or hourly pay to a yearly salary, with weekly, biweekly and monthly equivalents.

Savings

Savings Goal Calculator

Find out how much to save each month to reach a savings goal by a set date, including the interest your savings earn.

UK Stamp Duty

Stamp Duty Calculator

Calculate Stamp Duty Land Tax on a home in England or Northern Ireland for first-time buyers, home movers and additional properties.

Super projection

Super Calculator

Project your Australian superannuation balance at retirement, in future and today's dollars, including the 12% super guarantee and fees.

TFSA contribution room

TFSA Contribution Room Calculator

Estimate your 2026 TFSA contribution room from your birth year, residency, contributions and past withdrawals.

UK student loan

UK Student Loan Repayment Calculator

See your monthly UK student loan repayments for Plan 1, 2, 4, 5 and postgraduate loans, and whether you're likely to repay before write-off.

UK take-home pay

UK Take-Home Pay Calculator

Work out your 2026/27 UK take-home pay after Income Tax, National Insurance, student loan and pension salary sacrifice.

US take-home pay

US Take-Home Pay Calculator

Estimate your 2026 US take-home pay after federal income tax, Social Security, Medicare, state tax and pre-tax 401(k) and health deductions.