Calculators

Eight calculators that run entirely inside your browser. Nothing you type is transmitted, logged or stored — there is no server involved and no account to create. Each one links back to the guide that explains what the output means.

Take-home pay split

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See how your needs, wants and savings compare with the 50/30/20 benchmark.

Take-home pay split calculator

Enter your monthly numbers to see how your split compares with the 50/30/20 benchmark.

Monthly take-home pay ($)

Needs — housing, food, transport, minimums ($)

Wants — everything optional ($)

Left for saving and extra debt payments: —
Needs share of take-home pay: —
Wants share of take-home pay: —
Savings share of take-home pay: —
Interpretation: —

NeedsWantsSavings

This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or shared. Results are simplified estimates for learning purposes and are not financial advice.

Emergency fund sizing

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Size a fund against essential costs and see how long it takes to fill.

Emergency fund calculator

Size the fund against essential costs only — not your whole budget.

Essential monthly costs ($)

Target coverage

Already saved ($)

Monthly contribution ($)

Target fund size: —
Months you can currently cover: —
Still to save: —
Time to reach the target: —
Interpretation: —

This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or shared. Results are simplified estimates for learning purposes and are not financial advice.

Debt payoff and interest saved

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Time to clear a balance, and what an extra payment removes in interest.

Debt payoff calculator

Fixed monthly payment against a single balance, interest accrued monthly.

Balance owed ($)

APR (%)

Monthly payment ($)

Extra payment ($)

Time to clear at the base payment: —
Interest paid at the base payment: —
Time to clear with the extra payment: —
Interest paid with the extra payment: —
Interest avoided: —
Interpretation: —

This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or shared. Results are simplified estimates for learning purposes and are not financial advice.

Compound growth

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Split a projected balance into contributions versus compounded growth.

Compound growth calculator

Monthly compounding, contributions added at the end of each month. Returns are assumed, not guaranteed.

Starting balance ($)

Monthly contribution ($)

Assumed annual return (%)

Years invested

Projected ending balance: —
Total you put in: —
Growth on top of contributions: —
Growth as a share of the total: —

Your contributionsCompounded growth

This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or shared. Results are simplified estimates for learning purposes and are not financial advice.

Credit utilization

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Your reported utilization, and the payment needed to reach 30% or 10%.

Credit utilization calculator

Reported utilization is normally your statement balance divided by your limit.

Total statement balances ($)

Total credit limits ($)

Current utilization: —
Pay this much to get under 30%: —
Pay this much to get under 10%: —
Interpretation: —

This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or shared. Results are simplified estimates for learning purposes and are not financial advice.

True cost of borrowing

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Monthly payment and lifetime interest on any amortising loan.

True cost of borrowing calculator

Standard amortising loan. APR is used as the annual rate, compounded monthly.

Amount borrowed ($)

APR (%)

Term (years)

Monthly payment: —
Total interest paid: —
Total repaid: —
Interest as a share of the amount borrowed: —

This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or shared. Results are simplified estimates for learning purposes and are not financial advice.

Savings goal timeline

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How long a goal takes at your deposit rate, and what finishes it faster.

Savings goal calculator

Monthly compounding at the APY you enter. Deposit rates change, so treat the yield as an assumption.

Goal amount ($)

Saved so far ($)

Monthly deposit ($)

Account APY (%)

Time to reach the goal: —
Amount still needed: —
Interest earned along the way: —
Monthly deposit to finish in 12 months: —
Monthly deposit to finish in 24 months: —

This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or shared. Results are simplified estimates for learning purposes and are not financial advice.

Housing affordability

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A 28/36-ratio ceiling on payment, loan size and purchase price.

Housing affordability calculator

Uses the conventional 28/36 ratios and assumes a 30-year term. A lender's own limits may differ.

Gross monthly income ($)

Other monthly debt payments ($)

Down payment saved ($)

Mortgage rate (%)

Rough purchase price ceiling: —
Maximum total housing payment: —
Of that, principal and interest: —
Supported loan amount: —
Interpretation: —

This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or shared. Results are simplified estimates for learning purposes and are not financial advice.

How to read these results

Every calculator here uses a simplified model. Real accounts have fees, minimum balances, promotional rates that expire, compounding schedules that differ from monthly, and tax treatment that depends on your situation. Lenders apply their own underwriting rules that no public calculator can replicate.

Use these tools to understand the shape of a decision — whether an extra $50 a month matters much, whether a difference of one percentage point is worth switching for — and then confirm the exact numbers with the institution involved before you act. Nothing here is personalized advice. See our disclaimer.