Calculators

Free tools to see the real numbers before you commit.

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Buying a Home

Can I Afford This House?

Enter the listing price → see TRUE monthly cost (not just mortgage). Includes property tax, insurance, PMI, HOA, maintenance reserve, utilities estimate. Compares to 28/36 rule automatically.

Rent vs Buy Analyzer

Side-by-side NPV comparison with adjustable time horizon. Shows breakeven year. Accounts for investment opportunity cost of down payment.

Hidden Cost Revealer

Enter your home price + zip code → see the costs nobody tells you: closing costs, inspection, appraisal, moving, furniture, immediate repairs, first-year surprises. Regional data.

Down Payment Savings Tracker

You need $X. At $Y/month savings, you'll get there by [date]. Shows impact of different savings rates. Connects to HYSA recommendations.

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Wedding Planning

Wedding Budget Builder

Enter total budget → get AI-allocated breakdown by category based on priorities. Drag sliders to reallocate. Shows 'if you spend X on venue, here's what's left for everything else.'

Wedding vs House Calculator

What if you spent $15K less on the wedding and put it toward a down payment? Shows compound impact over 5-10 years.

Vendor Cost Checker

Enter your city + wedding size → see average costs by vendor category in your area.

Guest Count Impact Calculator

Shows exactly how much each additional guest costs (not just the plate — chairs, favors, invitations, bar). Cutting 20 guests saves you $X.

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Having a Baby

Baby Year One Calculator

Month-by-month cost breakdown: birth, gear, diapers, formula/nursing, childcare, insurance changes, income loss during leave. Regional adjustments.

Childcare Decision Matrix

Compare: daycare vs nanny vs family vs one-parent-stays-home. Includes tax credits, schedule flexibility, and true hourly cost analysis.

Parental Leave Runway Calculator

How long can we afford to have [partner] stay home? Models income loss, savings drawdown, and return-to-work timeline.

Baby vs Everything Else

If we have a baby in [month], here's the impact on our house savings / debt payoff / retirement. Shows how baby costs ripple through other goals.

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Buying a Car

New vs Used Total Cost Calculator

5-year TCO comparison: purchase price + financing + insurance + maintenance + depreciation. Shows true cost per mile.

Lease vs Buy Analyzer

Side-by-side comparison with mileage penalty modeling, equity building, and end-of-term options. Shows breakeven scenario.

EV vs Gas Calculator

5-year TCO with fuel savings, tax credits, charging costs, battery degradation, insurance differences. Enter your commute + electricity rate.

Payment vs Price Translator

The dealer says $450/month. Here's what that ACTUALLY costs you. Shows total with interest at different term lengths.

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College Decision

Is This Degree Worth It?

Select school + major → see median starting salary, 10-year earnings trajectory, loan payoff timeline, and ROI vs trade school alternatives. Real BLS data.

College vs Trade School Calculator

4-year degree total cost + 4 years lost earnings vs 2-year certification + immediate income. NPV comparison at age 35.

529 Plan Optimizer

Enter your state + child's age + target school type → recommended monthly contribution, best state plan, projected balance at 18.

Parent vs Retirement Trade-off

If I fund $50K of my kid's college, here's how it impacts my retirement. Side-by-side retirement projection with and without college funding.

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Career Change

Career Change Runway Calculator

How many months can you survive without income? Models savings drawdown, COBRA insurance, retraining costs, and income ramp-up time.

Salary Negotiation Calculator

Enter offer + market data → see where you stand, what to counter, and the 10-year compound impact of $5K more starting salary ($80K+ difference).

Total Comp Translator

Your $85K salary is actually worth $112K. Breaks down health insurance, 401k match, PTO value, stock options, and other benefits.

Freelance Rate Calculator

To earn $100K as a freelancer, you need to charge $X/hr. Accounts for self-employment tax, insurance, no-work days, equipment, and retirement savings.

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Debt & Budgeting

Debt Payoff Planner

Enter all debts → see avalanche vs snowball comparison with exact payoff dates and total interest saved.

The Honest Budget Audit

Link-free budget estimator: enter spending by category → see where you actually stand vs benchmarks. No bank connection needed.

Emergency Fund Calculator

Personalized: factors in job stability, health, dependents, insurance deductibles. You need X months, which is $Y. At your savings rate, you'll get there by [date].

Student Loan Strategy Tool

Compare all repayment plans side-by-side: monthly payment, total paid, forgiveness timeline. Includes SAVE, IBR, PAYE, and standard.

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