Make financial decisions with clearer numbers.
Explore investing, income, budgeting, debt, savings and retirement through clear calculators, transparent assumptions and practical comparisons.
Educational tools. Transparent assumptions. No personalised financial advice.
Tools
Start with the question you actually want answered.
Each tool is designed around a decision or comparison, not a generic finance article.
Lump sum vs DCA
Compare investing all at once with gradually entering the market across different periods.
Open calculator 02 Live toolInvestment fee impact
Compare how two annual fee levels can change the long-term value of the same investment plan.
Open calculator 03 Live toolMonthly investing
Project recurring investments, separate contributions from growth, and see an inflation-adjusted ending value.
Open calculator 04 Live toolMonthly expenses
Normalise weekly, monthly and annual costs into true monthly expenses, split by essential and discretionary spending.
Open calculator 05 Live toolEmergency fund
Model a user-selected reserve horizon from essential expenses and compare it with current savings.
Open calculator 06 Live toolNet worth
Calculate assets minus liabilities and compare the full balance sheet with a user-defined liquid view.
Open calculator 07 Live tool50/30/20 budget
Compare needs, wants and savings or extra debt payments with the 50/30/20 reference framework.
Open calculator 08 Live toolSavings goal
Calculate the monthly amount required for a target and compare it with your planned contribution.
Open calculator 09 Live toolAsset allocation
Measure current portfolio percentages and compare them with targets you choose.
Open calculator 10 Live toolPersonal cash flow
Project four weeks of inflows and outflows to identify the lowest expected balance.
Open calculator 11 Live toolZero-based budget
Assign after-tax income across categories and identify any unassigned or overassigned amount.
Open calculator 12 Live toolDebt payoff
Compare smallest-balance-first and highest-interest-first payoff orders.
Open calculator 13 Live toolRetirement savings
Compare a spending-based retirement target with projected savings at retirement.
Open calculator 14 Live toolFIRE
Estimate a financial-independence number and the modeled time required to reach it.
Open calculator 15 Live toolCoast FIRE
Test whether current investments could compound to a future target without new contributions.
Open calculator 16 Live toolDebt-to-income ratio
Compare recurring monthly debt payments with gross monthly income, including a proposed new payment.
Open calculator 17 Live toolCredit card payoff
Estimate payoff time and interest, then measure the effect of a fixed extra monthly payment.
Open calculator 18 Live toolLoan repayment
Model the payment, interest and payoff time for a fixed-rate amortising loan.
Open calculator 19 Live toolHourly to salary
Convert an hourly rate into comparable gross weekly, monthly and annual pay.
Open calculator 20 Live toolPro rata salary
Scale a full-time salary using the weekly hours and paid weeks you enter.
Open calculator 21 Live toolJob offer comparison
Compare cash pay, employer-funded value, commute costs and time across two offers.
Open calculator 22 Live toolSavings interest
Project a cash balance using a fixed APY, monthly contributions and contribution timing.
Open calculator 23 Live toolSavings rate
Measure the share of after-tax income directed to cash savings, investments and extra debt principal.
Open calculator 24 Live toolSimple vs compound interest
Compare principal-only interest with interest that compounds at a chosen frequency.
Open calculator 25 Live toolCAGR
Convert a starting value, ending value and elapsed time into a compounded annual growth rate.
Open calculator 26 Live toolReturn on investment
Measure total investment return after purchase costs, selling costs and income.
Open calculator 27 Live toolReal return
Adjust a nominal return for inflation and see the change in purchasing power.
Open calculator 28 Live toolDividend income
Annualize an entered dividend and estimate income and indicated yield for a holding.
Open calculator 29 Live toolDividend reinvestment
Compare taking modeled dividends in cash with reinvesting each payment.
Open calculator 30 Live toolYield on cost
Compare current dividend income with historical cost and current market price.
Open calculator 31 Live toolBalance transfer
Compare a current card balance with a promotional transfer rate, fee and post-offer APR.
Open calculator 32 Live toolDebt consolidation
Compare existing fixed-payment debts with one consolidation loan.
Open calculator 33 Live toolLoan comparison
Compare two fixed-rate loan offers using rates, terms and upfront fees.
Open calculator 34 Live toolWithdrawal longevity
Compare fixed and inflation-adjusted withdrawals and inspect when savings run out.
Open calculatorCompare
Compare outcomes under the same assumptions.
Use the calculators to put two choices or scenarios side by side. Each result follows the inputs and limitations stated in that tool.
Methodology
Make the assumptions visible.
- Projection results are hypothetical and labelled as such.
- Fees, inflation and dividend treatment are stated when they affect a result.
- Comparisons hold the relevant assumptions consistent between scenarios.
- Each tool explains its method, assumptions and limits.
Guides and methodology
Understand the result. Then test your own case.
Focused Guides provide worked examples and context for the calculators. Use a tool to change the inputs, and read its method before treating a result as a decision.