📊 Tools·Free, no signup

Financial calculators.

Every tool is free to use with no signup. Plan a budget, project an investment, test a retirement or pay down debt, each one built to be honest about the real-world frictions most calculators skip.

14 free tools

Planning and Budgeting

Get the foundations right: what comes in, what to keep aside, and what your time is worth.

📊
Budget Calculator
Apply the 50/30/20 rule to your income and see where your spending really goes.
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🛡️
Emergency Fund Calculator
Size the cushion you need from your expenses and personal risk factors.
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🎯
Savings Goal Calculator
Find how much to set aside, or when you will arrive, with inflation built in.
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Salary Breakdown Calculator
Break any salary down to the month, week, day, hour and second, two ways.
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Investment Tools

From the pure power of compounding to the full range of outcomes a real market produces.

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Compound Interest Calculator
See how regular contributions grow over time at a steady return.
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Investment Return Calculator
Real returns after fees, tax and inflation, with contributions and withdrawals.
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✨
Wealth Multiplier
New
The simplest view of compounding: one lump sum, and what inflation does to it.
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🎲
Monte Carlo Simulator
New
Run 1,000 markets for the odds, not one tidy projection. Growth, retirement, goals.
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🥧
Asset Allocation Calculator
Find the stock, bond and cash mix to match your risk, and how to rebalance to it.
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Growth vs Dividend Calculator
Compare growth and dividend strategies on an equal, after-tax footing.
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Financial Independence (FIRE)
Find your FI number and the years to financial freedom, in real terms.
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Debt and Mortgages

Pay down what you owe faster, and understand the true cost of a home loan.

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Debt Payoff Calculator
Compare the snowball and avalanche methods, against a minimums-only baseline.
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Mortgage Calculator
Monthly payment with full PITI plus PMI, and a complete amortization schedule.
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Country-specific

Tools built around the tax rules of a particular country.

🇧🇷
PGBL vs VGBL Calculator
Compare Brazilian private pensions with the real rules: the 12% cap, regressive table and refund.
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Account features

Connect your accounts to turn these calculators into a living picture of your money.

📁
Portfolio Tracking
Track stocks, crypto, pensions and real estate in one place with live prices.
Free with account
🎯
Goal Planning
Set financial goals and track your progress toward each milestone.
Free with account
💰
Dividend Analysis
Track dividend payments, analyse yield and project your future passive income.
Premium
🔍
ETF Analysis
Find overlaps between ETFs, map geographic exposure and sector concentration.
Premium
🏆
Achievements
Earn badges for financial milestones and stay motivated on your journey.
Free with account

For developers and bloggers

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💻
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Track your complete financial picture.

The calculators are the starting point. Create a free account to connect your accounts, track your portfolio, set goals and get personalised insights, all in one place.

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Portfolio, goals and net worth in one view
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