A personal-finance calculator hub
Money, minted & understood.
Calculators for mortgages, debt, retirement, and investing — built around real historical data, side-by-side comparisons, and exports that actually look good. No sign-up. No dark patterns. Math you can audit.
Try it · Compound growth
Compounded monthly at a 7% average annual return.
Balance after 30 years
$609,985.50
$180,000.00 contributed · $429,985.50 from growth
- Balance$609,985.50
- Contributed$180,000.00
| Year 0 | balance $0.00, contributed $0.00 |
|---|---|
| Year 1 | balance $6,196.29, contributed $6,000.00 |
| Year 2 | balance $12,840.52, contributed $12,000.00 |
| Year 3 | balance $19,965.05, contributed $18,000.00 |
| Year 4 | balance $27,604.62, contributed $24,000.00 |
| Year 5 | balance $35,796.45, contributed $30,000.00 |
| Year 6 | balance $44,580.47, contributed $36,000.00 |
| Year 7 | balance $53,999.49, contributed $42,000.00 |
| Year 8 | balance $64,099.41, contributed $48,000.00 |
| Year 9 | balance $74,929.45, contributed $54,000.00 |
| Year 10 | balance $86,542.40, contributed $60,000.00 |
| Year 11 | balance $98,994.85, contributed $66,000.00 |
| Year 12 | balance $112,347.49, contributed $72,000.00 |
| Year 13 | balance $126,665.39, contributed $78,000.00 |
| Year 14 | balance $142,018.34, contributed $84,000.00 |
| Year 15 | balance $158,481.15, contributed $90,000.00 |
| Year 16 | balance $176,134.06, contributed $96,000.00 |
| Year 17 | balance $195,063.09, contributed $102,000.00 |
| Year 18 | balance $215,360.51, contributed $108,000.00 |
| Year 19 | balance $237,125.23, contributed $114,000.00 |
| Year 20 | balance $260,463.33, contributed $120,000.00 |
| Year 21 | balance $285,488.54, contributed $126,000.00 |
| Year 22 | balance $312,322.82, contributed $132,000.00 |
| Year 23 | balance $341,096.95, contributed $138,000.00 |
| Year 24 | balance $371,951.17, contributed $144,000.00 |
| Year 25 | balance $405,035.85, contributed $150,000.00 |
| Year 26 | balance $440,512.21, contributed $156,000.00 |
| Year 27 | balance $478,553.17, contributed $162,000.00 |
| Year 28 | balance $519,344.11, contributed $168,000.00 |
| Year 29 | balance $563,083.83, contributed $174,000.00 |
| Year 30 | balance $609,985.50, contributed $180,000.00 |
§ 01 · Start here
Most popular
Six good places to start — homes, investing, retirement, and debt.
Mortgage Calculator
Full PITI with PMI, taxes, insurance, and a complete amortization schedule.
OpenCompound Interest
Watch contributions compound across decades — future value, total interest, and the growth multiple.
OpenRetirement / FIRE
Your FIRE number, savings rate, and the year you could retire.
OpenCredit Card Payoff
How fast a balance disappears — and what avalanche vs snowball saves.
OpenAffordability
How much house can you afford? Income, debts, and the 28/36 rule.
OpenDCA Calculator
Backtest dollar-cost averaging with real prices — Bitcoin, Ethereum, and the S&P 500, Nasdaq-100 and total-market ETFs.
Open§ 02 · Explore
Browse by topic
Six shelves, one for each part of your financial life.
Investing
10 calculators
Growth, returns, dividends, and what waiting really costs.
BrowseMortgage
8 calculators
Payments, affordability, refinancing, and paying it off early.
BrowseRetirement
8 calculators
FIRE numbers, 401(k)s, Roth vs traditional, and drawing it down.
BrowseDebt & loans
5 calculators
Payoff plans and the true cost of borrowing.
BrowseSavings
5 calculators
Safety nets, savings goals, CDs, and comparing rates.
BrowseIncome & taxes
4 calculators
Take-home pay, hourly vs salary, raises, and your tax bracket.
Browse§ The full catalog
Every calculator, in one place.