Free financial tools

Calculators we built because we needed them ourselves. All free, no signup, nothing saved. If you want an app that does the hard part automatically, that's Spew.

Mortgage affordability calculator

How much house can you afford? Max home price, monthly PITI, and readiness across Conventional, FHA, VA, and USDA loans.

For first-time buyers and anyone shopping for a mortgage
Refinance calculator

Should you refinance? See new payment, monthly savings, break-even month, and optional cash-out or debt consolidation scenarios.

For homeowners considering a refi
Paycheck calculator

Estimate your take-home pay after federal, state, FICA, and pre-tax deductions. All 50 states.

For salary and hourly workers
Freelance hourly rate calculator

Find the minimum hourly rate you need to charge to hit your target income after expenses, taxes, and non-billable time.

For freelancers, contractors, and gig workers
Rent vs buy calculator

Compare the true monthly cost of renting versus owning, including taxes, maintenance, insurance, and opportunity cost.

For anyone weighing a home purchase
Debt payoff calculator (snowball vs avalanche)

See how long it will take to pay off your debts with the snowball or avalanche method, and how much interest each one saves.

For anyone with credit card or loan debt
Hourly to salary converter

Convert between hourly rate and annual salary both ways, with or without paid time off.

For job offers, rate negotiations, and sanity checks

See it for yourself

The live demo runs in your browser. No signup, no card, nothing saved.

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