Financial calculators that show their working.

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26 calculators

15-year vs. 30-yearWhether the shorter term beats the longer one plus investing.
Amortization scheduleMonth by month, how much of each payment is principal.
Biweekly vs. monthly extraWhether biweekly payments beat simply paying a bit more.
Home affordabilityWhat price a lender's debt-to-income limits actually allow.
Mortgage paymentThe whole monthly payment, not just principal and interest.
Mortgage payoff vs. investThe return an investment must beat to top paying the house off.
Recast vs. refinance vs. extraThree ways to put a lump sum against a mortgage, compared.
Refinance breakevenHow long until the closing costs pay for themselves.
Rent vs. buyHow long you have to stay before buying comes out ahead.

True APRThe real rate once the fees are financed into the loan.
Auto loanThe payment once tax, fees and a trade-in are in the price.
Balance transfer breakevenWhether the fee is cheaper than the interest it avoids.
Car loan payoff vs. investThe return an investment must beat to top clearing the loan.
Consolidation vs. paying directWhether one loan beats paying the cards down directly.
Credit card payoffHow long a balance takes to clear, and what the minimum costs.
Snowball vs. avalancheWhich order clears your debts faster, and by how much.
Emergency fund vs. debtCash in reserve or a smaller balance: which comes first.
Savings vs. debt paydownWhether savings interest beats the rate you are paying.
Loan paymentThe payment, the total interest and the date it is gone.
Student loan payoff vs. forgivenessPaying in full against waiting for a forgiven balance.

Compound interestWhat a balance becomes, and how much of it is growth.
Inflation & purchasing powerWhat a sum will be worth after years of rising prices.
Investment growthContributions, growth and tax, each kept separate.
Savings goalThe monthly amount that reaches a target on time.

What you are trusting

How this is worked out — the modelling choices, what is deliberately left out, and how corrections are handled.