Make smarter money decisions

Uses A = P(1 + r/n)^(nt) plus monthly contributions grown at the same effective rate.

Uses standard amortization: M = P · [ r(1+r)^n / ((1+r)^n − 1) ].

Uses monthly compounding on current balance and contributions.

CAGR = (Final/Initial)^(1/Years) − 1. Losses shown in a warning color.

Savings Rate = (Income − Expenses) / Income. Aim for 20% or higher.

FIRE Number = Annual Expenses × 25 (4% safe withdrawal rule).

Principal & interest only. Taxes, insurance, and PMI not included.

If the monthly payment does not cover the interest, we warn you instead of looping forever.

Recommended = Monthly Expenses × Months of Coverage.

Net Worth = Total Assets − Total Liabilities.

A classic personal finance rule popularized by Senator Elizabeth Warren.

Future Cost = Current Cost × (1 + Rate)^Years.

Approximation: Years to Double ≈ 72 ÷ Annual Return %.

Future value of a growing annuity with monthly compounding.

DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100.

Sales tax is applied to the vehicle price. Trade-in and down payment reduce financed amount.

Break-even = Closing Costs ÷ Monthly Savings.

Coast FIRE = Full FIRE Number ÷ (1 + r)^(years to retirement).

Monthly compounding on both current balance and contributions.

Annual = Hourly × Hours × Weeks. Bi-weekly = Annual ÷ 26.

Per Person = (Bill + Tip) ÷ Number of People.

Final = (Price × (1 − Discount)) × (1 + Tax).

APY = (1 + APR/n)^n − 1.

PV = FV ÷ (1 + r)^t.