Personal finance & retirement planner

Budget a household, size an emergency fund, plan college savings, check rent-vs-buy, and stress-test a retirement or FIRE number.

personal-finance 15 items

9 hosted tools, 6 workflows

In this collection

• Personal Budget (50/30/20) Calculator
  Allocate monthly income across needs/wants/savings (50/30/20) and find your surplus or deficit and savings rate.hosted tool
• Net Worth Calculator
  Total assets minus liabilities, plus liquid net worth and debt-to-asset ratio.hosted tool
• Savings Goal Calculator
  Months to reach a savings target at a given monthly amount, or the monthly amount needed for a fixed horizon.hosted tool
• College Savings Calculator
  Project the future cost of college with education inflation and the monthly contribution needed to fund it.hosted tool
• Rent vs Buy Calculator
  Compare the N-year net cost of buying (mortgage, tax, upkeep, minus equity) vs renting, and find the breakeven year.hosted tool
• Retirement Savings Calculator
  Project your balance at retirement, or solve the monthly contribution needed to hit a target.hosted tool
• FIRE Number Calculator
  Financial-independence target from annual expenses and a safe withdrawal rate, plus lean/fat variants and years to reach it.hosted tool
• Life Insurance Needs Calculator (DIME)
  Coverage need by the DIME method: debt + income replacement + mortgage + education, minus what you already have.hosted tool
• Investment Fee Impact Calculator
  How much an expense ratio costs over time — ending balance with vs without fees, and total fee drag.hosted tool
• Size an emergency fund and track net worth
  Lay out a budget, size the emergency-fund savings goal it implies, then check the fund against overall net worth.workflow
• Plan college savings for a newborn
  Project the target college-savings balance, model its compound growth, then back into the monthly contribution needed.workflow
• Decide rent vs. buy and check the tax effect
  Compare total cost of renting vs. buying, check the tax-bracket effect of mortgage interest, then see the net-worth impact.workflow
• Build a FIRE plan
  Calculate the FIRE number, check it against a standard retirement projection, then lay out the budget that funds it.workflow
• Check life insurance need against net worth
  Estimate the life-insurance coverage a household needs, check it against current net worth, then confirm the budget can carry it.workflow
• Audit investment fees over a holding period
  Quantify how much a fund's expense ratio costs over decades, compare it to fee-free compound growth, then check the realized ROI.workflow