All 27 calculators
Every tool, grouped into five families — each with the math it does and, where one exists, a link to its in-depth guide.
When can you stop working?
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Coast FIRE
When can you stop saving and let compounding do the rest?
Best if you want to know how soon further saving becomes optional.
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Standard FIRE
The classic 25× expenses target — full retirement, today's spending.
Best if you want a single all-in retirement number.
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Lean FIRE
Minimal-expenses early retirement — $25–40k/yr lifestyles.
Best if you'd trade lifestyle for an earlier exit.
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Barista FIRE
Portfolio plus part-time income jointly cover expenses.
Best if you want a downshift, not a full stop.
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Fat FIRE
Retire early on an above-average budget — $100k+/yr — without cutting spending. The same 25× math on a bigger number.
Best if your income is high enough to fund both the lifestyle and the saving.
What you make. What you keep.
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Net Worth
What you own minus what you owe. The single most honest snapshot of where you stand financially.
Best when you want one number that captures the whole picture.
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Savings Rate
How many years until FIRE? Mostly a function of one number — and it isn't your income.
Best when wondering whether to optimize for raises or savings.
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True Hourly Wage
Your real take-home rate after tax, work expenses, and commute time — not the rate on your contract.
Best when deciding whether a raise, longer commute, or new job is actually worth it.
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Freelance Hourly Rate
Working backward from a target take-home: what to charge clients after tax, business expenses, and unbookable hours.
Best when setting freelance prices or comparing W-2 vs going independent.
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Tax Brackets
2026 US federal brackets for Single and Married Filing Jointly. See your marginal rate, your effective rate, and why a raise never lowers your take-home.
Best when sanity-checking withholding or weighing a raise, bonus, or Roth conversion.
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Ad Revenue & ARPDAU
Mobile app and game revenue from two streams — ad impressions × eCPM and in-app purchases after the store cut. Returns ARPDAU plus daily, monthly, and yearly net revenue.
Best when modeling indie game monetization or sizing a new app's earning potential.
What marketplaces actually take.
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eBay Profit Margin
Net profit per item after Final Value Fee, the per-order flat fee, shipping, and inventory cost. Plus the breakeven price for any listing.
Best when sourcing inventory or pricing a reseller listing.
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Etsy Fees
Listing, transaction, payment processing, and Offsite Ads fees on a single sale — your net deposit and true margin per item.
Best when pricing handmade goods or deciding if a product is worth listing.
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Mercari Fees
Mercari's current fee structure applied to a single sale: selling and processing fees, shipping, and item cost — down to the net payout.
Best when cross-listing and comparing payouts across marketplaces.
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Poshmark Fees
Poshmark's two-tier commission applied to your listing price, plus item cost — net earnings and margin before you accept an offer.
Best when pricing clothing listings or evaluating lowball offers.
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Depop Fees
Depop dropped its US seller fee — the only cut is 3.3% + $0.45 payment processing, plus an optional 8% boost. Your net payout, profit, and breakeven.
Best when pricing for Depop or comparing it against fee-charging marketplaces.
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Vinted Fees
Vinted charges sellers nothing, so you keep 100% of the list price. See your profit, what the buyer pays in protection, and how it compares to Mercari and Poshmark.
Best when deciding where to list and seeing the cost of a seller fee elsewhere.
What money does over time.
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Compound Interest
Future value with periodic contributions and any compounding frequency. See the share of the final balance that's principal vs. interest earned.
Best when projecting investments, savings goals, or seeing what time does to a regular contribution.
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Dividend & DRIP
Project a dividend portfolio with reinvestment (DRIP), dividend growth, and contributions. See final value, total dividends, and your yield on cost.
Best when planning dividend income or seeing what reinvesting does over decades.
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Investment Return
From start value, end value, and holding period to total return and CAGR — the annualized figure that lets you compare investments honestly.
Best when comparing investments held for different lengths of time.
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Inflation
Purchasing power over time: what a future amount is worth in today's dollars, and what today's expenses cost in N years at a given inflation rate.
Best when setting retirement spending targets or sanity-checking long-range plans.
What things actually cost.
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Debt Payoff
Snowball vs avalanche, side by side. See when you'll be debt-free and how much interest each method saves.
Best when you have multiple debts and need a plan that closes the loop.
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Mortgage
PITI monthly payment, total interest over the loan, PMI cost, and what the home actually costs you over 30 years.
Best when shopping for a home or weighing 15- vs 30-year terms.
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Student Loan
Standard, Extended, and Income-Based repayment plans side by side — including the forgiveness amount IDR pays at year 20.
Best when deciding between paying off and IDR with forgiveness.
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Income-Driven Repayment
Estimate the monthly payment under every income-driven plan — IBR, PAYE, SAVE, and ICR — from your income, family size, and state.
Best when you want to know what an income-driven plan would actually cost per month.
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True Cost of Car
What a car actually costs per year and per mile after depreciation, fuel, insurance, and maintenance — not the sticker price.
Best when deciding new vs used, or whether a second car is worth it.
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Lifetime Cost
Total cost of a long-term obligation — child, pet, or anything else with recurring annual spend over years. Today's-dollars and nominal totals plus monthly equivalent.
Best when planning whether to have a kid, get a pet, or take on any 10+ year commitment.
Don't see what you need?
We're adding calculators each month. If you have a specific personal-finance calculation you want and we don't have it, email us — replies go straight to a human and the most-requested ideas get prioritized.