Personal Finance
Net worth, budgeting, an emergency fund, or how close you are to financial independence with the FIRE Calculator: the everyday household-finance toolkit, no finance background required.
Calculators & Tools
72/90 Rule Money Calculator
The Rule of 72 estimates how many years it takes to double money at a fixed annual return: divide 72 by the interest rate. At 7%, money doubles in approximately 10.3 years. The Rule of 90 applies the same logic to tripling: divide 90 by the rate. Both rules are accurate to within one year for interest rates between 5% and 12%.
Debt-to-Income Ratio Calculator
The Debt-to-Income Ratio Calculator measures the percentage of your gross monthly income that goes toward debt payments. It calculates both your front-end DTI (housing costs only) and back-end DTI (all monthly debts). Use it to check mortgage eligibility, plan debt payoff, or benchmark your financial health before applying for credit.
Savings Goal Calculator
The Savings Goal Calculator has three modes: Monthly Savings mode calculates how much you need to save per month to reach a target amount by a set date; Time to Goal mode shows how long it takes to reach your goal at a fixed monthly contribution with 25/50/75/100% milestones; Future Balance mode projects your account balance after a set number of years. All modes use compound interest (monthly compounding) and account for an existing starting balance.
Budget Calculator
The Budget Calculator applies the 50/30/20 rule or zero-based budgeting to your monthly after-tax income. Enter expenses across three buckets: needs (housing, utilities, groceries, transport, insurance, healthcare, minimum debt payments, childcare), wants (dining out, entertainment, shopping, subscriptions, personal care), and savings (savings and investments, extra debt repayment, emergency fund contributions). The results show your actual versus recommended percentage for each bucket, a monthly surplus or deficit, and a full line-item breakdown so you can see exactly where money is going.
Net Worth Calculator
The Net Worth Calculator subtracts your total liabilities from your total assets to give you a single wealth figure. Enter assets across seven categories (cash, checking, investments, retirement, real estate, vehicles, other) and liabilities across six categories (mortgage, car loans, student loans, credit cards, personal loans, other debts). The results show total assets, total liabilities, net worth, a visual assets-versus-liabilities bar, and a debt-to-asset ratio so you can see how much of what you own is offset by what you owe.
FIRE Calculator
The FIRE Calculator estimates how much money you need to achieve Financial Independence and Retire Early, and how many years it will take to get there. Enter your expected annual expenses in retirement, current portfolio value, annual investment contribution, expected return rate, and safe withdrawal rate (default 4%). The calculator outputs your FIRE number (portfolio target), progress percentage, years and projected year to reach FIRE, monthly withdrawal amount in retirement, Coast FIRE milestone, and a comparison of Lean, Regular, and Fat FIRE targets.
Emergency Fund Calculator
The Emergency Fund Calculator works out how much you should save based on your actual monthly essential expenses, employment type, number of dependents, and health costs. It applies the 3-6-9 rule with risk adjustments so freelancers and variable-income earners get a higher target than salaried employees. Enter your current savings and monthly contribution to see your funding gap, time to reach your full target, and progress through four milestones: the $1,000 starter, 1-month, 3-month, and full goal.
Car Depreciation Calculator
The Car Depreciation Calculator projects how a vehicle loses value over time using a declining balance method. Enter the original purchase price, year purchased, whether it was new or used, and a depreciation rate preset (economy 10%, average 15%, luxury 20%, or custom). The calculator shows the current estimated value, total amount and percentage lost to date, a half-value milestone year, and a full year-by-year depreciation schedule from purchase through your chosen projection period.