What things actually cost.
Money flowing out — over the full term, not the sticker. Loans, recurring obligations, big purchases.
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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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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.