Finance Calculators
Mortgage, debt, insurance and investment maths done properly — the same formulas lenders and advisors use, with every assumption visible.
Refinance Calculator
Find out exactly how many months until a refinance pays for itself. Compares your current loan against a new one including closing costs, PMI and lifetime interest.
Debt Payoff Planner
Compare the debt snowball and debt avalanche methods across all your balances. See your payoff date, total interest saved and a month-by-month payment schedule.
Life Insurance Calculator
Calculate how much life insurance your family actually needs using the DIME method plus income replacement. Get a coverage figure and a recommended term length.
Rent vs Buy
Should you rent or buy? This calculator compares total wealth under both paths including maintenance, taxes, closing costs and the opportunity cost of your down payment.
Finance guides
How to Read a Loan Estimate and Spot Inflated Closing Costs
The Loan Estimate is a standardised three-page form every US lender must give you within three business days of an application. Because...
FinanceEmployer Life Insurance Isn't Enough: What the Gap Really Costs
Group life insurance through work is a genuine benefit and it is usually free. It is also, for most people with dependants, nowhere near...
FinanceDebt Consolidation Loans: Four Numbers to Check Before Signing
Debt consolidation is sold as simplification: one payment, one rate, one date. Simplification is real and worth something. But the...
FinanceIs the Mortgage Interest Deduction Worth Anything to You?
"You get the mortgage interest deduction" is one of the most persistent arguments for buying a home, and for most American households it...
FinanceCash-Out Refinance vs HELOC: Which Costs Less?
If you need to pull money out of your house, you have two mainstream options and they suit opposite situations. Choosing wrongly is...
FinanceWhy Stay-at-Home Parents Need Life Insurance (And How Much)
Insurance is usually framed as income replacement, which produces an obvious but wrong conclusion: a parent with no salary needs no cover....