Home Finance Decisions

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

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

Plan fixed-rate mortgage payments, conventional PMI milestones, extra principal payments and remaining cash to close. Compare a separate income-based affordability scenario.

Plan a down payment, user-set closing costs, additional cash needed, a month-end savings timeline, comparison targets, and a starting PMI illustration.

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.

Compare rent-path and buy-path net worth using equal starting cash, symmetric monthly cash-flow investing, ownership costs, appreciation, and transaction costs.

Calculate total ROI and net gain or loss, then use CAGR for endpoint-only investments or money-weighted IRR for explicit year-end contributions.

Estimate US federal income tax for 2025–2026. See federal tax owed, effective and marginal rates, and after-tax income by filing status.

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

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

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.

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

Model retirement savings, inflation, user-entered Social Security, withdrawal-rate sensitivity, income gaps, and retirement-age scenarios.

Compare an amount across published 2000–2025 BLS CPI-U annual averages or model a clearly labeled constant-rate inflation scenario in either direction.

Project deterministic investment growth from a starting value and monthly contributions, with explicit beginning- or end-of-month timing and dollar reconciliation.

Simple in-browser notepad with auto-save. Write quick notes that persist in your browser. Download as text file. No signup needed.

Compare two complete quotes by dividing each total cost by its whole-unit quantity, with a signed per-unit difference and no invented scale assumptions.

Include unit costs, order costs and payment fees in a contribution-based price floor, then test operating profit and minimum whole-order sales targets.

Calculate gross profit and operating profit or loss from net revenue, cost of sales, and operating expenses for one consistent period.

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

Calculate a simplified US home-office deduction by month, or allocate eligible renter expenses, with business-income limits and saved cases.

Model the standard Schedule SE Social Security and Medicare components from explicit current factor, wage-base, wage, and rate inputs.

Allocate a current Form 1040-ES annual payment target after expected withholding, applicable credits, and confirmed estimated payments already made.

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

Reconcile adjusted basis and net proceeds, then apply explicitly entered tax-rate scenarios without selecting brackets or special treatment.

Calculate monthly side-business cash surplus, a chosen reserve and returns per recorded hour. Keep losses visible and save documented comparisons.

Separate gig cash flow from annual mileage deductions and standard-method SE tax, with dated 2025–2026 rates, wage caps and recorded working hours.