Free tools
Put your numbers in
General advice is averages. Put your numbers in and you'll see what actually applies to you — most people find it more reassuring than they expect.
Not sure where to start?
I want to understand my paycheck
See where the money goes
I have credit card or other debt
Find the fastest way out
I'm thinking about buying a home
Compare rent vs. buy costs
I'm not sure if I'm saving enough
Check your retirement pace
I need to build an emergency fund
Figure out your target
I have student loans
Make sure you're on track
Debt & payoff
Credit Card Interest Calculator
See how much interest your balance is costing you, and when you'll be free of it.
Best when: If you're carrying a credit card balance — even a small one.
Open calculator →ComparisonDebt Payoff Comparison
Compare the avalanche and snowball strategies side by side and see exactly how much interest each saves.
Best when: Once you have two or more debts and want to choose a payoff strategy.
Open comparison →Student loans
Student Loan Action Checklist
Find out where your loans stand and what to do next.
Best when: When entering repayment, switching jobs, or trying to figure out forgiveness eligibility.
Open checklist →CalculatorStudent Loan Payoff Calculator
See exactly how extra payments shorten your timeline and cut interest.
Best when: If you want to see how extra monthly payments would shorten your timeline and cut total interest.
Open calculator →ComparisonFederal Loan Repayment Plan Comparison
See what your monthly payment would be under every federal repayment option, and which one costs you the least.
Best when: When deciding which repayment plan to enroll in, or wondering whether your payment could be lower.
Open comparison →Housing
Rent vs. Buy Calculator
Compare the true cost of renting and buying over your planned time horizon, including equity, PMI, and selling costs.
Best when: Before committing to a home purchase — especially if you might move within 5 years.
Open comparison →CalculatorMortgage Rate Impact Calculator
Estimate how much a rate change would add to your monthly payment.
Best when: When comparing loan offers or stress-testing your budget against rate changes.
Open calculator →Savings & retirement
Emergency Fund Calculator
Find out how much emergency savings you actually need, based on your situation and essential expenses.
Best when: If you don't have a savings cushion yet, or aren't sure how much you actually need.
Open estimator →EstimatorRetirement "Am I On Track?" Estimator
See where your current contributions are headed and exactly what to adjust if you want to get there sooner.
Best when: When starting your first job, after a raise, or any time you want a gut check on retirement progress.
Open estimator →Based on your situation
Not sure where to start? Take the 2-minute checkup