Next Dollar Guide
Estimate your monthly mortgage payment and see the full amortization schedule, including how much goes to interest and principal each month and the total interest over the life of the loan.
Compare renting against buying on net worth over time. The owner builds home equity (with appreciation, net of selling costs and the loan), while the renter invests the cash they don't tie up in a down payment plus any monthly savings. The chart shows each path's net worth and the crossover year when owning pulls ahead. Estimates exclude income-tax effects.
Model the financial impact of moving: net proceeds from selling your current home, the new monthly payment, and how spending and equity compare over 10 years.
Calculate how much home you can afford based on your income and existing debts, using the common lender guidelines (28% housing ratio, 36% total DTI).
Find out how many months it takes for the monthly savings to recover a refinance's closing costs, and what the new loan does to your total interest and payoff date.
See how much private mortgage insurance adds to your monthly cost, track when you'll hit 20% equity and can request PMI removal, and calculate total PMI paid.
Compare buying a pricier home inside a strong public-school district against buying a cheaper home outside it and paying for private school. The cash you save on the cheaper home is invested, and the calculator shows which path leaves you wealthier after the school years. This compares money only. It doesn't judge school quality or your kids' experience.
See how your money grows over time with compound interest. Solve for future value, the starting amount you need, the rate required, or how long it takes to hit your goal.
Track how an asset (a car, a collectible, real estate) has gained or lost value since you bought it, and compare it with what the same money would have earned in the market.
Map your monthly income and spending to see where your money goes, and track your savings rate and debt-to-income ratio.
Calculate how much you need to save each month to reach a target by a specific date, or find out how long it takes to get there at your current savings rate.
Find out how large your emergency fund should be based on your expenses, and how long it will take to fully fund it at your current savings pace.
See what inflation does to your money's buying power, and how much you'd need in the future to keep the same standard of living.
Compare active trading (short-term capital gains tax every year) with holding an index fund (long-term tax paid once at the end), and how much the yearly tax costs over time.
See whether your spending lines up with your values. Weight how much each value matters to you, tag your monthly spending, and compare your priorities with where the money goes. The score shows how closely the two match. It doesn't tell you what to change.
Work out where your next dollar does the most good. Answer a few quick questions and you'll get a suggested next step and the calculator to run it. It follows the common "financial order of operations". It isn't personalized advice, and your situation or values may change the order.
A business can be profitable on paper and still run short of cash, because clients pay on Net 30/60/90 while payroll, rent and supplies are due now. This shows how deep that gap gets, how much cash you need in the bank to get through it, and when you're back in the clear.
Work out what a job pays per hour once the commute, unpaid lunch, after-hours work and time off are counted. Turn on Job B to compare two offers and find the raise it would take to make a longer commute worth it. Figures are gross (pre-tax) pay.
Calculate the nest egg your retirement spending needs, after inflation, Social Security, and the number of years it has to last.
Find your Coast FIRE number, the amount you need saved today so that compound growth alone funds your retirement, with no additional contributions needed.
Compare the after-tax outcome of a Roth IRA vs a Traditional IRA based on your current tax rate and your expected rate in retirement, to see which account type wins.
Enter your portfolio size and monthly withdrawal to see how long your retirement savings will last, accounting for investment growth and inflation-adjusted spending over time.
Compare claiming Social Security at 62, your full retirement age, or 70, including breakeven ages and lifetime totals, to find the strategy that pays you the most. It's built for planning the decision before you claim, so enter a current age under 62.
See what retiring early does to your savings: the smaller nest egg from fewer contribution years, how many more years you'd need to fund, and the extra monthly savings to hit an inflation-adjusted target by your early date. (The dollar figure is lost nest-egg growth; it does not by itself price the extra withdrawal years.)
Check whether you're getting the full employer match, how close you are to the IRS annual limit, and what maximizing your contributions could mean for your retirement balance.
Test your plan against market swings. Most retirement calculators assume the same return every year, but markets move around, and the order of good and bad years matters. This runs 1,000 randomized market scenarios to show the probability your money lasts and the full range of outcomes. These are modeled probabilities based on your assumptions, not guarantees.
Compare two auto loans side by side (different prices, rates, or terms) to see the difference in total cost and which deal comes out cheaper over the full loan.
Calculate what a vehicle costs you each month in payment, insurance, fuel, and maintenance, with depreciation shown alongside.
See how a vehicle loses value over time, using typical depreciation curves for different vehicle types, from trucks and SUVs to luxury and economy cars.
| Vehicle | Year 1 | Year 3 | Year 5 | Year 10 |
|---|
Find out what vehicle price fits your budget based on your take-home pay, using the 20/4/10 guideline: up to 20% down, about a 4-year loan, and payments near 10% of take-home. These are budgeting guidelines (not a lender's debt-to-income approval test), and the 20% down is a target you're measured against, not a requirement.
Compare the full cost of leasing vs buying the same vehicle over the same number of years.
Calculate the break-even point and long-term savings from switching to an EV, factoring in price premium, fuel cost differences, maintenance savings, and tax credits. Costs are compared over the ownership years and annual mileage you enter, using the fuel and electricity prices you provide; the federal EV credit is off unless you enter it.
Break a lease offer down into the numbers dealers rarely explain. Enter the money factor, residual value, and cap cost to see what you're paying for and why.
Enter your monthly spending by category to calculate whether a premium card's rewards and perks outweigh its annual fee compared to a no-fee alternative.
Find the monthly spending level where a card's extra rewards cover its annual fee, and your net advantage at what you spend now.
Calculate how long it takes to pay off any loan, see the total interest cost, and find out how much extra monthly payments save you in time and interest.
Track your student loan payoff timeline and total interest paid. Toggle the comparison to see whether aggressively paying down the loan or investing the extra amount builds more wealth.
Compare the two common payoff strategies across all your debts at once. Avalanche targets the highest interest rate first (mathematically cheapest); Snowball clears the smallest balance first (most motivating). Enter your debts and an extra monthly amount to see which gets you debt-free sooner and how much interest the avalanche saves.