Calculators
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Where Should My Next Dollar Go?
Six quick questions that show where you are in the order I use for my own money.
Try it →Cost of Waiting, by Age
Tables of what a monthly investment grows to by 65 depending on when it starts, and what a 5 or 10-year delay costs.
Try it →Debt Payoff vs. Invest
Should you attack debt or invest first? See how a certain payoff compares with an assumed return at your rate.
Try it →Credit Card Paydown
See your payoff date and total interest, and whether a 0% balance transfer would actually save money.
Try it →50/30/20 Budget
Split take-home pay into needs, wants and savings, and see what the savings slice grows to.
Try it →Emergency Fund
3, 6, or 12 months of coverage, side by side, with your gap and time to goal.
Try it →Net Worth
Everything you own minus everything you owe, and how it compares to your income.
Try it →Compound Interest
See exactly what your money grows to over time, or model paying off debt.
Try it →True Cost of a Car
Compare financing, cash, and leasing, then see what the payment could become invested instead.
Try it →How Much House Can I Afford?
The 28/36 rule with today's mortgage rate, taxes, insurance and PMI, plus what a lender might stretch to.
Try it →Rent vs. Buy
A rent-vs-buy comparison that doesn't skip opportunity cost or maintenance.
Try it →Savings by Age
Compare savings to Fidelity's salary milestones for 30, 40, 50 and 60, and project where it lands by 67.
Try it →Retirement Number
Find your real retirement number and see if your current trajectory gets you there.
Try it →Markup vs. Margin
Why a 50% markup is only a 33% margin, and the price you need for a target margin.
Try it →Break-Even
Units and sales you need each month to cover fixed costs.
Try it →What a Discount Really Costs
How much more you have to sell to make up for a price cut.
Try it →Restaurant Prime Cost
Food and labor as a share of sales, next to the industry medians.
Try it →Cash Flow Forecast (52 Weeks)
A year of cash for a restaurant or small business, your tightest week, and a free Excel download.
Try it →Delivery App Commission
What a DoorDash or Uber Eats order really earns you, and the app markup that breaks even.
Try it →Card Processing Fees
What card fees cost a year, your effective rate, and what a better quote saves.
Try it →Menu Price and Plate Cost
Cost a dish by its ingredients and price it for your target food cost.
Try it →Restaurant Labor Cost
Labor as a share of sales, sales per labor hour, and the hours that hit your target.
Try it →Take-Home Pay
See what actually hits your account after taxes, your 401(k), and insurance.
Try it →Freelance Hourly Rate
Work backwards from the income you want to keep, after taxes and expenses.
Try it →Delivery Driver Real Pay
Your hourly pay after gas, car wear and taxes, and the minimum per mile to accept.
Try it →LLC vs. S-Corp
See what the S-corp election actually saves after payroll and filing costs.
Try it →Cost of an Employee
What a hire really costs: payroll taxes, benefits and insurance on top of salary.
Try it →Job Offer Comparison
Compare two offers on what they're actually worth, after tax.
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