Tools

Free Calculators

Four calculators for the questions this blog gets asked most. They are free, they run in your browser, and nothing you type is sent anywhere.

The Tools

Pick the question you have

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Credit Card Interest Calculator

Shows daily and monthly costs of a credit card balance, how much of a payment is interest, and payoff time for minimum versus fixed payments.

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Debt Snowball vs Avalanche Calculator

Takes card balances, rates, and a monthly budget to compare the snowball and avalanche strategies, showing duration, total interest, and when the first card is cleared.

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Emergency Fund Calculator

Adds up essential monthly expenses and shows the cost of one, three, and six months of runway, as well as the time needed to build it at a chosen savings rate.

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DIY vs Shop Calculator

Takes a shop’s quote, the cost of parts and tools, and the hours a job takes you, then shows what you keep, what your time earns per hour, and how many jobs it takes for a tool to pay for itself.

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