22 practical tools
Financial calculators for clearer decisions
Explore current tools for saving, investing, freelance pricing, debt, net worth, FIRE, and retirement. Results update in your browser and assumptions stay visible.
FIRE Number Calculator
Find out how much you need to retire early.
Open fire number calculator Savings & InvestingCompound Interest Calculator
See how your money grows over time.
Open compound interest calculator Savings & InvestingDollar Cost Averaging Calculator
Model recurring investing and compare progressive deployment with a lump sum.
Open dollar cost averaging calculator FIRE & RetirementCoast FIRE Calculator
Calculate when you can stop saving and coast to retirement.
Open coast fire calculator Savings & InvestingSavings Goal Calculator
Plan how long it takes to reach any savings target.
Open savings goal calculator Savings & InvestingSinking Fund Calculator
Plan regular contributions for a known future expense.
Open sinking fund calculator Personal FinanceNet Worth Calculator
Track your assets vs liabilities in seconds.
Open net worth calculator FIRE & Retirement4% Rule Calculator
Test the classic safe withdrawal rate for your portfolio.
Open 4% rule calculator Savings & InvestingInflation Calculator
See how inflation erodes purchasing power over time.
Open inflation calculator Debt & LoansDebt Snowball vs Avalanche Calculator
Compare balance-first and APR-first debt payoff plans side by side.
Open debt snowball vs avalanche calculator Debt & LoansCredit Card Payoff Calculator
Estimate payoff time, interest, a target-date payment, or a custom minimum-payment scenario.
Open credit card payoff calculator Debt & LoansLoan Amortization Calculator
Build a monthly amortization estimate and compare recurring or one-time extra payments.
Open loan amortization calculator Personal FinanceSavings Rate Calculator
See how your savings rate may affect your path to financial independence.
Open savings rate calculator Personal Finance50/30/20 Budget Calculator
Compare current monthly spending with a flexible needs, wants, and goals split.
Open 50/30/20 budget calculator FIRE & RetirementFIRE Timeline Calculator
Estimate your FIRE number, timeline, and retirement age.
Open fire timeline calculator FIRE & RetirementRetirement Withdrawal Calculator
Estimate how long a retirement portfolio may last under steady assumptions.
Open retirement withdrawal calculator Savings & InvestingExpense Ratio Calculator
Compare the long-term impact of fund expense ratios and lost compounding.
Open expense ratio calculator Freelancer MoneyFreelance Rate Calculator
Turn income goals, expenses, and billable capacity into planning rates.
Open freelance rate calculator Freelancer MoneyBillable Hours Calculator
Estimate annual freelance or consulting capacity after leave and internal work.
Open billable hours calculator Freelancer MoneyHourly to Salary Calculator
Convert gross hourly pay and annual salary in either direction.
Open hourly to salary calculator Personal FinanceEmergency Fund Calculator
Set a flexible expense-coverage target and estimate the time to fund it.
Open emergency fund calculator FIRE & RetirementBarista FIRE Calculator
Estimate a portfolio target when part-time income covers part of your spending.
Open barista fire calculatorHow to use these tools
Start with a question, then test the assumptions
Use the calculator that matches your immediate decision. The default values are starting points, not universal forecasts. Rates, inflation, tax treatment, and financial rules vary over time and by country.
Each output is an estimate based on the values entered. Review the formula, contribution timing, compounding convention, rounding, and limitations shown on that calculator page.
Saving or investing?
Start with the compound interest calculator for long-term growth, compare investing schedules with the DCA calculator, or plan a known expense with the sinking fund calculator.
Paying off debt?
Estimate one revolving balance with the credit card payoff calculator, compare balance-first and APR-first priorities with the snowball vs avalanche calculator, or build a generic schedule with the loan amortization calculator.
Income, budgeting, or freelance work?
Use the 50/30/20 budget calculator for a flexible spending reference, the billable hours calculator for capacity, or the hourly to salary calculator for gross-pay conversion.
FIRE or retirement planning?
Estimate a FIRE number, explore a timeline, calculate a Coast FIRE milestone, or model portfolio longevity with the retirement withdrawal calculator.