Personal finance
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Personal finance planning tools — not financial or tax advice: savings goal contributions, emergency fund targets, debt payoff timelines, snowball and avalanche strategies, 50/30/20 budget splits, net worth snapshots, sinking funds, and FIRE number estimates from the 4% rule of thumb. Enter your assumptions; talk to a licensed advisor before major money decisions.
9 tools in this section
Savings Goal
Find monthly savings needed to reach a financial goal, or project future value from regular contributions at an assumed return. Not financial or tax advice.
Emergency Fund
Calculate an emergency fund target from monthly essential expenses and months of coverage. Popular 3–6 month guideline — not personalized financial advice.
Debt Payoff
Estimate months to pay off a loan, credit card, or other debt with a fixed monthly payment and APR. Shows total interest — planning math only, not financial or tax advice.
Debt Snowball
Model debt snowball payoff: smallest balance first while paying minimums on other debts, plus extra payment. Shows months, interest, and order — not advice.
Debt Avalanche
Model debt avalanche payoff: highest APR first while paying minimums elsewhere, plus extra payment. Often saves interest vs snowball — not financial advice.
50/30/20 Budget
Split take-home income into 50% needs, 30% wants, and 20% savings with the 50/30/20 budgeting rule. Starting template only — not personalized financial advice.
Net Worth
Calculate net worth as total assets minus total liabilities for a quick snapshot. Enter your own numbers — planning estimate only, not financial advice.
Sinking Fund
Calculate monthly savings to reach a sinking fund goal by a target date in months, with optional interest. Plan for holidays, insurance, or large purchases.
FIRE Number
Estimate a FIRE number from annual expenses and a withdrawal rate (default 4% rule of thumb). Illustration only — not financial or retirement planning advice.