Tools

Calculators

Free tools with live graphs. The 2026 paycheck calculator uses IRS brackets and a W-4 extra-withholding suggestion. The 529 vs taxable calculator is free (hash + bars). Playbooks still sit behind PayPal.

Emergency fund

Monthly essentials Months of runway Current cash Monthly transfer

50/30/20 budget

Monthly take-home Needs % Wants %

Compound interest

Starting balance Monthly contribution Annual return % Years

Debt payoff (avalanche vs snowball)

Standalone page: avalanche vs snowball calculator (hash + bars + optional tip). Primer: which method wins.

Balance A / APR / min Balance B / APR / min Balance C / APR / min Extra per month

Mortgage PITI

Home price Down payment Rate % Term years Taxes / yr Insurance / yr

Refinance break-even

Standalone gold page: refinance break-even (hash + /chart.js, match-term vs reset, optional tip). Primer: break-even guide. Cash-out is HELOC vs cash-out.

Current balance Current rate % Years left New rate % New term years Closing costs

Credit card payoff

Standalone page: credit card calculator.

Balance APR % Minimum $/mo Extra $/mo

Required minimum distribution

Guide: RMD explainer. Full table + QCD + hash: RMD calculator. Paid file: 12-step playbook.

Age you turn this year Dec 31 balance

Also on this site

529 vs taxable is free. 50 states / cost of living is the map explorer (COL index, income, sales tax, gas, dual-ranker). Freelance rate (hash + /chart.js, optional tip) sits next to the 1099 / SE tax twin. Rent vs buy and extra mortgage still sit on their own URLs — playbooks remain behind PayPal.