Free calculators & worksheets

Run your own numbers

Whatever you're facing, run the math with your own numbers before you decide. Free, no sign-up needed.

Calculators

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Home Affordability Calculator

What the bank will approve next to what you can actually afford on your take-home pay.

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Mortgage Calculator

Your monthly payment with principal, interest, taxes and insurance, plus the total interest over the loan.

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Rent vs Buy Calculator

Compare the real cost of renting and buying over the years you plan to stay.

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Mortgage Refinance Calculator

See your new payment, what you’d save and how long it takes to break even on closing costs.

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Savings Interest Calculator

How much a savings account or CD earns at today’s rate.

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Compound Interest Calculator

Watch money grow over time with regular contributions and compounding.

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Emergency Fund Calculator

How big your emergency fund should be, and how long it takes to build it.

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Savings Goal Calculator

How much to save each month to hit a goal by a date.

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Debt Payoff Calculator

Snowball or avalanche: your debt-free date and the interest you save.

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Credit Card Payoff Calculator

How long it takes to pay off a card, and what paying a bit more saves you.

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Car Loan Calculator

Your monthly car payment and the true total cost of the loan.

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Raise Calculator

What a raise is really worth after taxes, and a plan so it doesn’t vanish.

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Retirement Calculator

Are you on track? Project your savings to retirement age.

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Retirement Savings Needed Calculator

How much you need saved to retire on the income you want.

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401(k) Calculator

What your 401(k) could grow to, including your employer match.

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Worksheets

Free, straight to your inbox

Pick one and we'll email it to you, along with the Middle Memo. Unsubscribe anytime.

Cash Flow

Paycheck triage worksheet

Sort every bill by what has to be paid first, so the money lasts until the next paycheck.

Big Decisions

House-decision checklist

Everything to check before you sign a lease or a mortgage.

Money Mindset

Lifestyle-creep reset

A short reset to stop new income from quietly turning into new spending.