Free money tools, no strings
Quick, useful calculators that run entirely in your browser — nothing you enter is saved or sent anywhere. Built by the team behind Taly.
Loans & debt
Pay down what you owe — faster, and for less interest.
Credit Card Payoff Calculator
See how long minimum payments really take — often decades, and more in interest than you borrowed — and how fast a fixed monthly amount clears the balance instead.
Open the calculator AutoAuto Loan Calculator
The real out-the-door cost — tax, fees, and trade-in rolled in — plus the long-term-loan trap and the months you'd spend underwater, owing more than the car is worth.
Open the calculator LoansLoan Comparison Calculator
Put two or three loan offers side by side and see the real cheapest — because the lowest rate or lowest monthly payment often isn't, once the term and fees are counted.
Open the calculator LoansEarly Payoff Calculator
Add an extra payment or a lump sum and see the interest you save, the years you shave off, and a full amortization schedule — plus a pay-early-vs-invest call.
Open the calculator DebtDebt Payoff Calculator
Snowball vs. avalanche on your actual debts — what each saves, when the first win lands, and an honest call on which plan you'll actually finish.
Open the calculatorHome & mortgage
Buy, refinance, or borrow against your home — with the true costs in view.
Home Affordability Calculator
How much house your income really supports — the DTI-based lender max, the PITI breakdown, and the honest gap between what you'd be approved for and what leaves room to live.
Open the calculatorRent vs. Buy Calculator
The honest call: the full cost of owning — taxes, maintenance, closing, selling, and the opportunity cost of your down payment — vs. renting and investing the difference, with the break-even year you'd have to stay.
Open the calculatorMortgage Points Calculator
Should you pay points to buy down your rate? The monthly savings, the break-even month when they pay for themselves, and whether investing that cash instead would win.
Open the calculatorMortgage Refinance Calculator
Should you refinance? Your monthly savings, the break-even month when they cover the closing costs, and the reset-the-clock trap that can cost more over the long run.
Open the calculatorHELOC Conversion Calculator
Velocity banking, measured honestly: replace your whole mortgage with a first-lien HELOC and see if paycheck parking ever beats just paying extra — backtested against real prime-rate history, with rate gap, float trick, and fees split out exactly.
Open the calculator Home equityHELOC vs. Cash-Out Refi
If you genuinely must pull cash from your home — a roof, a medical bill, crushing debt — this shows the honest cheapest way: keep your mortgage and add a HELOC, or convert it all with a refi.
Open the calculatorSaving & planning
Set a target, size your safety net, and see where you stand.
Emergency Fund Calculator
How many months you should bank, how much runway you have right now, and the monthly contribution to reach your target — sized to your situation, not a one-size rule.
Open the calculatorSavings Goal Calculator
Set a target and a date and see the monthly contribution to get there — or save a set amount and watch it compound. Splits your number into what you put in vs. growth, and nominal vs. inflation-adjusted.
Open the calculator InflationInflation Calculator
What a dollar is really worth over time — what past money equals today from real CPI history, or how future inflation quietly erodes your savings and what it takes to keep pace.
Open the calculator InvestingInvestment Growth Calculator
Project how a starting balance and monthly contributions compound — the year growth overtakes your contributions, real vs. nominal, and the lifetime drag of a fund fee.
Open the calculator CollegeCollege Cost Calculator
Project the real four-year bill with tuition inflation, see what your savings will cover, and the monthly contribution to close the gap — honest about partial funding, not just the all-or-nothing number.
Open the calculator Net worthNet Worth Calculator
Everything you own minus everything you owe, with an honest breakdown — liquid vs. tied-up, what's driving the number, and your debt-to-asset ratio.
Open the calculatorIncome & paycheck
What you earn, what you actually keep, and the free money you might be missing.
Paycheck Converter
Turn any pay rate into every other — hourly to salary and back, plus weekly, biweekly, and monthly — with your real effective hourly once unpaid time and overtime count.
Open the calculatorTake-Home Pay Calculator
What your paycheck actually keeps — 2025/2026 federal brackets, FICA, 401(k) and pre-tax benefits, marginal vs. effective rates, and what a raise is really worth.
Open the calculator 401(k)401(k) Match Calculator
Are you capturing your full employer match? See the free money left on the table, the contribution percent that grabs all of it, and what the gap costs you by retirement.
Open the calculatorRetirement & taxes
Plan the finish line — and what the IRS takes along the way.
Roth vs. Traditional Calculator
Pre-tax now or tax-free later? Compares after-tax outcomes — including investing the traditional tax break — and shows the retirement tax rate where Roth stops coming out ahead.
Open the calculatorFIRE Calculator
Your financial-independence number and how long to reach it — the 25× rule, your savings rate as the real lever, and the Coast, Lean, and Fat FIRE milestones.
Open the calculatorRetirement Calculator
See the date you can actually retire — a month-by-month simulation with Social Security timing, a 4%-rule cross-check, Coast FIRE, and exactly which levers move the date.
Open the calculatorSocial Security Calculator
When to claim — 62, full retirement age, or 70. Your monthly benefit at each, and the break-even age where waiting starts to pay off if you live long enough.
Open the calculatorRMD Calculator
Your required minimum distribution once you reach the SECURE 2.0 age — this year's amount, the IRS factor behind it, and how it climbs as you get older.
Open the calculatorMore tools are in the works. Want one in particular? Tell us.
Budgeting that does the math for you
These tools tell you what's possible. Taly makes it happen automatically — every paycheck splits itself across your budget, so the extra room just appears.