Financial calculators
Plan the next money decision in minutes
Bring your own numbers and explore a decision before it becomes a commitment. Each calculator explains the result, its assumptions, and what deserves a second check.
A useful estimate starts with honest inputs
Use current balances, recent expenses, and the terms in front of you—not the version of the month you hope will happen. Rounded numbers are fine; missing commitments are what make an estimate misleading.
Save more than one scenario when the decision matters. A cautious version shows what happens when rates, costs, or timing are less friendly than expected.
Set a baseline
Enter the ordinary case using figures you can verify today.
Stress the assumption
Change the rate, cost, deadline, or contribution that carries the most uncertainty.
Verify before acting
Compare material decisions with an official quote, statement, or qualified adviser.
Explore by decision
Guides and tools that work together
Budgeting for real life
Build a realistic budget for regular bills, irregular income, annual costs, shared expenses, and everyday spending decisions.
Debt and borrowing decisions
Understand debt payments, affordability, repayment order, mortgage overpayments, and the cost of borrowing before committing.
Planning to buy a home
Plan a house deposit, buying costs, mortgage affordability, cash reserves, and overpayments without relying on the headline property price.
Investing with a clear plan
Learn investment basics, compound growth, ETFs, allocation, and portfolio rebalancing without turning projections into promises.
Start with the month in front of you
Everyday money calculators
Take stock of accounts, plan this month, understand debt, and turn a savings goal into a number you can use.
Net Worth Calculator
Add assets and liabilities to estimate your current net worth in one clean number.
Open calculatorMonthly Budget Calculator
Plan income, expenses, savings, and unassigned cash for the month.
Open calculatorSafe-to-Spend Calculator
Estimate how much you can spend before payday while protecting bills, goals, debt, and a cash buffer.
Open calculatorDebt Payoff Calculator
Estimate when a debt can be paid off and how much interest extra payments can save.
Open calculatorCompound Interest Calculator
Project investment growth from an initial balance, monthly contributions, return rate, and time.
Open calculatorSavings Goal Calculator
Calculate how long a savings goal will take and how much to save monthly to hit a target date.
Open calculatorSinking Fund Calculator
Turn annual bills, quarterly costs, and a one-off goal into one realistic monthly set-aside.
Open calculatorJoint Expense Split Calculator
Compare equal, income-weighted, and custom ways to divide shared household expenses.
Open calculatorIrregular Income Budget Calculator
Build a conservative monthly baseline from low, typical, and strong income scenarios.
Open calculatorCompare the trade-offs
Calculators for bigger decisions
Look beyond a monthly payment or rule of thumb before changing a loan, budget, subscription, or major purchase.
Loan Repayment Calculator
Estimate monthly loan payments, total interest, and the payoff impact of extra payments.
Open calculator50/30/20 Budget Calculator
Compare your needs, wants, and savings against the 50/30/20 budgeting guideline.
Open calculatorEmergency Fund Calculator
Calculate how much emergency savings you need and how long it will take to build.
Open calculatorSubscription Cost Calculator
See the annual and multi-year cost of recurring subscriptions.
Open calculatorSavings Rate Calculator
Measure how much of your income goes toward savings, investing, and debt principal.
Open calculatorCan I Afford This? Calculator
Check whether a purchase fits your cash buffer and monthly budget.
Open calculatorMortgage Overpayment Calculator
Estimate the time and interest saved by a mortgage lump sum, monthly overpayment, or both.
Open calculatorDebt-to-Income Ratio Calculator
Compare current and proposed monthly debt payments with the income basis you choose.
Open calculatorPortfolio Rebalancing Calculator
Compare current investments with a target allocation and see full or contribution-only adjustments.
Open calculatorLocal details and longer horizons
Portugal and long-term planning
Explore Portuguese salary and housing estimates alongside rent, car, and financial-independence scenarios.
Portugal Net Salary Calculator
Estimate Portuguese take-home pay with configurable IRS withholding and social security assumptions.
Open calculatorPortugal Mortgage Calculator
Estimate a mortgage payment for a Portugal property purchase, including down payment and monthly ownership costs.
Open calculatorRent Affordability Calculator
Estimate the monthly rent you can afford while keeping savings and other bills intact.
Open calculatorCar Affordability Calculator
Estimate how much car you can afford based on income, running costs, down payment, and loan terms.
Open calculatorFIRE Calculator
Estimate your financial independence target and timeline using expenses, savings, returns, and withdrawal rate.
Open calculatorHouse Deposit Goal Calculator
Combine the intended deposit, buying costs, current savings, and deadline into one house-fund target.
Open calculatorSalary Increase Calculator
Translate a percentage or fixed salary increase into annual, monthly, and estimated take-home differences.
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