Credit, Debt & Money Foundations

Calculate percentages in seven modes with visible formulas, strict input validation, signed percentage change, and symmetric percentage difference.

Compare debt avalanche and snowball payoff plans with a fixed monthly budget, rolled-over payments, payoff dates, and interest estimates.

Calculate fixed-rate loan payments, total interest, amortization, and extra-principal savings. Enter principal, annual note rate, and term; fees are excluded.

Allocate exactly 100% of monthly income, compare non-negative actual spending, expose fixed-dollar extras, and review transparent balances and planning ratios.

Project a starting balance and real month-end contributions under annual, semiannual, quarterly, monthly, or daily nominal compounding, with exact deposit and interest reconciliation.

Model a 401(k) balance from current savings, annual employee and employer contributions, a whole-year horizon, and an entered net-return scenario.

Project a future savings balance, solve the month-end deposit needed for a goal, or calculate time to goal with an explicit 40-year not-reached result.

Reconcile a user-selected emergency reserve target from essential monthly outflows, chosen coverage months, a one-time buffer, and accessible savings.

Reconcile one pay statement exactly from its printed gross pay, tax withholding, pre-tax deductions, and after-tax deductions.

Build a dated net-worth statement from eight asset and liability categories, using owned values minus owed balances without liquidity or health scoring.