Smart money tools for life's biggest decisions

Free calculators for buying a home, choosing insurance, planning retirement, and running a business. No signups, no paywalls, no nonsense.

Calculator categories

Home & Real Estate

Calculators for buying, renting, and investing in property

Insurance

Estimate coverage needs and compare insurance costs

Loans & Savings

Plan your savings, calculate loan payments, and grow your wealth

Tax & Business

Tax estimates, business costs, and financial planning for entrepreneurs

Most popular tools

Mortgage Calculator

Calculate your monthly mortgage payment with taxes, insurance, and PMI

Rent vs Buy Calculator

Compare the true cost of renting versus buying over any time horizon

Retirement Simulator

See if you're on track for retirement and what adjustments to make

Health Insurance Cost Estimator

Estimate monthly premiums and potential subsidies for marketplace plans

Compound Interest Calculator

Watch your money grow with the power of compound interest over time

Income Tax Calculator

Estimate your federal and state income taxes with bracket breakdown

Latest guides

8 min read

Renting vs Buying: The Real Math

Go beyond 'buying builds equity' and learn when renting is actually the smarter move.

7 min read

How Much House Can You Actually Afford?

The difference between what a lender approves and what's actually comfortable.

9 min read

Closing Costs Explained

Every line item on your closing disclosure demystified.

10 min read

The Math Behind Airbnb Investing

Real numbers on short-term rental profitability and what most investors get wrong.

Every calculator uses standard financial formulas with full transparency. No data collected. No accounts required. Just math.