Free Finance Calculators
for Smart Investors

See when you'll hit $100K, $500K, $1M — with growth chart, milestone timeline, cost-of-waiting analysis, and historical S&P 500 returns.

Get your exact Freedom Day, FI number, and Monte Carlo survival rate. 4 FIRE types, 1,000 market simulations, Coast FI detector.

Your exact debt freedom date, snowball vs avalanche race, and live daily interest cost counter. 6-dimension debt health grade.

See exactly where your net worth ranks for your age using Federal Reserve SCF 2022 data. Wealth tier identity, 6-dimension Report Card, and 30-year growth projections.

The honest mortgage vs rent showdown: full amortization, PMI auto-removal, opportunity cost engine, hidden costs reveal, 5×5 sensitivity heatmap, and break-even timeline.

See the compounding cost of every raise you didn't negotiate. Career fork visualization, negotiation ROI, job-hop calculator, 6-dimension career report card.

Grade your portfolio across 6 dimensions. 8-axis radar chart, fee drag devastation calculator, efficient frontier analysis, rebalancing action plan, and historical backtest.

Calculate exact shares from risk %, entry, stop loss & take profit. 3 sizing methods, Kelly Criterion, Monte Carlo equity curve, losing streak stress test.

Interactive payoff diagrams, 16 pre-built strategies, live Greeks dashboard, P&L heatmap, probability of profit, and time decay timelapse animation.

Should you invest all at once or spread it out? 1,000 Monte Carlo simulations, S&P 500 backtesting from 1970, regret analysis, cash drag calculator, and 6-dimension strategy report card.

Discover your TRUE hourly rate after taxes, expenses, and unbillable hours. Rate waterfall chart, salary equivalence engine, billable hours breakdown, market positioning, and 6-dimension report card.

Create professional invoices with custom branding, QR payment codes, and instant PDF export. 4 premium templates, multi-currency, quality scorecard, and revenue dashboard.

Analyze any deal: cap rate, CoC return, DSCR, cash flow waterfall, 10-year equity projection, 5 investor rules, sensitivity heatmap, and 6-dimension deal report card.

Grade your spending against the 50/30/20 rule & find money leaks

See what you actually keep after SE tax, federal, state & deductions

Find your retirement gap, run Monte Carlo simulations & optimize Social Security

Compare up to 5 loans side by side — true cost, APR, equity race & rate shock simulator

See how long your credit card really takes to pay off — and how $100 extra changes everything

When will I be a millionaire? Live countdown, mountain path, peer percentile & speed-up plan

A–F letter grade for your personal finances across 10 dimensions. Age-cohort percentile, weakest-link detection, dollar-cost action plan.