Free tools
Free financial calculators & tools
Every calculator needed to plan savings, pay off debt, calculate net worth, project financial independence, and check housing or visa eligibility. All 20+ tools run entirely in your browser — no signup, no data saved, no ads.
Savings & investment
Plan what you'll have and how long it takes to get there.
Savings goal calculator
Enter a goal and either monthly amount or target date — solves for the other. Monthly compounding included.
Open →FIRE calculator
4% rule math. See your FI number, age at financial independence, and lean / regular / fat FIRE targets.
Open →Emergency fund calculator
How much cash to hold at 3-, 6-, or 12-month expense coverage.
Open →Debt & loans
Understand what you owe and how to get out faster.
Bank-statement loan calculator
Self-employed mortgage estimator based on bank-statement underwriting rules.
Open →Qualifying income calculator
How lenders calculate qualifying income from salary, bonuses, self-employment, and rental.
Open →Mortgage calculator
Monthly P&I plus full PITI with taxes and insurance. Shows year-1 vs final-year amortization.
Open →Rent vs buy calculator
Net worth comparison between buying and renting with invested down payment. Shows break-even year.
Open →Budgeting & spending
Get a plan for the money that comes in each month.
Housing & application
For rentals, mortgages, and visa/immigration needs.
Rent affordability checker
How much rent you can comfortably afford on your income and debt load.
Open →Proof-of-income checker
Does your bank statement qualify as proof of income for rent / loan / visa?
Open →Proof-of-funds calculator
How much liquid cash counts as 'proof of funds' for visa / immigration applications.
Open →Proof-of-address checker
Is your bank statement valid proof of address for the document you need?
Open →Visa funds checker
Compute the bank balance needed for common visa / immigration financial thresholds.
Open →Income stability checker
How lenders and underwriters assess income consistency and reliability.
Open →Accounting & reconciliation
For bookkeeping and reconciling bank activity against records.
Lookups
Quick reference tools for bank codes and charges.
Already have a bank statement?
Skip plugging numbers into calculators manually. Upload your bank statement PDF and get every calculator filled in with your actual data — income, spending, categories, subscriptions, and cash flow.
Upload a bank statement →