Our Tools
Pick a tool to get started — all free, all updated for 2026.
Hourly to Salary Calculator
Convert any hourly wage to annual salary. See take-home pay after taxes and compare to the living wage in your state.
- Hourly ↔ Annual conversion
- Take-home after federal & state taxes
- Living wage comparison by state
FIRE Calculator
Find your Financial Independence number, years to early retirement, and the monthly savings needed using the 4% rule.
- FIRE number & retirement date
- 4% rule & safe withdrawal rate
- Year-by-year portfolio chart
Auto Loan Payoff Calculator
See how extra monthly payments save thousands in interest and shave months off your payoff date. Updated for 2026 APR averages.
- Interest & time saved instantly
- Balance-over-time chart
- New car & used car APR defaults
Debt Snowball vs Avalanche
Compare both payoff strategies month by month. See which saves more interest and gets you debt-free faster with your real credit card and loan balances.
- Multi-debt simulation engine
- Payoff order & timeline per debt
- 2026 credit card APR defaults
Mortgage Early Payoff Calculator
Model your full PITI payment with PMI & HOA, then see how extra payments and PMI cancellation save you years and thousands in interest.
- PITI + PMI + HOA in one payment
- Automatic PMI cancellation logic
- Interest, PMI & time saved instantly
CD Ladder Calculator & Strategy
Split your savings across 1–5 year CDs, simulate reinvestment rollovers, and see your total yield and average APY over your full horizon.
- 1–5 year ladder with equal allocation
- Automatic rollover simulation
- Total yield & average APY instantly
