Personal finance
Everyday money decisions, made clearer
Mortgages, cars, cards, student loans, budgets, and savings goals — the same calm math and complete-results-first approach as our retirement tools, for the rest of your financial life.
Planning the retirement side instead? Head to the retirement calculators or the step-by-step planning tools.
Home & Mortgage
Home & Mortgage
Mortgage Payment
Estimate your full monthly payment — principal, interest, taxes, insurance, HOA, and PMI — plus total interest over the loan.
Home & Mortgage
Mortgage Payoff
See how extra monthly or one-time payments shorten your mortgage and cut total interest.
Home & Mortgage
Refinance Break-Even
See the monthly change, the months to recover closing costs, and — just as important — the lifetime cost of restarting your term.
Home & Mortgage
Home Affordability
Estimate a home-price range from your income, debts, and down payment using standard lending guidelines.
Home & Mortgage
Extra Payments
See exactly what adding a little to each mortgage payment does to your payoff date and lifetime interest.
Auto
Auto
Auto Loan
Estimate your monthly car payment and the true total cost of the loan, including tax and fees.
Auto
Auto Affordability
Turn a monthly payment you're comfortable with into the vehicle price it actually supports.
Auto
Auto Early Payoff
See how extra payments shorten your car loan and what they save in interest.
Auto
Cash vs. Financing
Compare paying cash with financing while your money stays invested — the honest version of the dealership pitch.
Credit Cards & Debt
Credit Cards & Debt
Snowball vs. Avalanche
Build a payoff plan across all your debts and compare the avalanche and snowball methods.
Credit Cards & Debt
Credit Card Payoff
Find your payoff date at any monthly payment — or the payment that clears the card by a date you choose.
Credit Cards & Debt
Minimum Payment Cost
See how long minimum payments really take — and what they cost — compared with a fixed payment.
Credit Cards & Debt
Consolidation Compare
Compare keeping your debts against rolling them into one loan — at the same monthly outlay, with fees included.
Credit Cards & Debt
Debt-Free Date
Enter every debt and one extra monthly amount — get the calendar date you're done, debt by debt.
Student Loans
Student Loans
Student Loan Payment
See the monthly payment and total cost of a student loan at any balance, rate, and term.
Student Loans
Student Loan Extras
See what an extra monthly amount does to your student-loan payoff date and total interest.
Student Loans
Payoff Timeline
Watch your balance fall year by year, with the milestones — halfway paid, final year, done — on a timeline.
Student Loans
Student Loan Refi
Compare your current loan with a refinance offer — including fees, term changes, and what federal borrowers give up.
Student Loans
Multi-Loan Planner
List every student loan, add one extra monthly amount, and get the payoff order, dates, and total interest.