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Money tools

Financial calculators

Pick a decision, enter the numbers you know and adjust the assumptions as you go. Every result is built to show its work.

Retirement

Financial Independence

Find your target number and see whether your accessible savings can cover an early-retirement bridge.

Investing

Investment Growth

See how contributions, returns, fees, inflation and taxes can change an account over time.

Saving

Savings Goal

Find the contribution that can put a goal within reach by your target date.

Saving

Time to Goal

See how long your current balance and ongoing contributions could take to reach a target.

Retirement

Retirement Savings

Project your workplace or individual retirement account, including contributions and employer match.

Education

College Savings / 529

Plan for college costs using your timeline, savings, expected aid and state-specific assumptions.

Resilience

Emergency Fund

Choose a cash cushion based on your essential expenses and the disruptions you want to cover.

Budgeting

Household Budget

Turn income, spending and savings into a clear monthly picture without guessing your taxes.

Planning

Inflation and Purchasing Power

See what future prices could mean for your money, or compare purchasing power across past years.

Housing

Mortgage

Estimate your payment, total interest, monthly housing cost and cash needed at closing.

Decisions

Pay Down Debt or Invest

Compare the interest you could avoid with the possible after-tax value of investing the same money.

Housing

Rent vs. Buy

Compare the long-term cost of renting and buying with numbers from your local market.

Transportation

True Cost of a Car

Look beyond the payment to see ownership cost by month and mile.

Transportation

Lease vs. Buy

Compare a real lease offer with buying the same car over the same time and mileage.

Housing

Mortgage Refinance

See whether a refinance could pay off after closing costs, rate changes and a new loan term.