Free financial calculators - no login required

Financial Calculators

Free calculators reveal hidden costs. Compare tools require Basic tier.

Auto Loan Calculator

Calculate total interest and see the real cost of your car loan

What you'll discover:

• True total cost of your auto loan
• How much goes to interest vs. principal
• Impact of loan term on total payments
• Money-saving scenarios and strategies

Example: $25K loan typically costs $4,200+ in interest

Credit Card Payoff Calculator

See the real impact of minimum payments on payoff time

What you'll discover:

• How long minimum payments really take
• Total interest you'll pay over time
• Power of accelerated payment strategies
• Debt elimination optimization tips

Example: $5K at 23% APR takes 25+ years with minimum payments

Mortgage Calculator

Calculate lifetime interest and the shocking true cost of your home loan

What you'll discover:

• Total interest over life of loan
• Monthly principal & interest breakdown
• True cost vs home price comparison
• Refinance savings opportunities

Example: $400K mortgage typically costs $400K+ in interest

Brokerage Returns Calculator

Calculate real returns after management fees, advisory fees, and taxes

What you'll discover:

• Gross gains before any fees
• Total fees paid to advisors/platforms
• Tax impact on your returns
• Net gains waterfall visualization

Example: Fees can eat 20-40% of your investment returns

Whole Life Transparency Calculator

Reveal hidden fees and true cost of your whole life insurance policy

What you'll discover:

• How much of your premium builds cash value
• Hidden fees and insurance charges
• True growth rate vs. stated dividend rate
• Premium efficiency over time

Example: Often 70-80% of premiums go to fees, not cash value

Advanced Comparison Tools

Compare scenarios side-by-side with personalized recommendations. Requires Basic or Pro tier.

BASIC

Loan vs Lease Comparison

Side-by-side analysis: Which saves you more money?

• Monthly payment comparison
• Total cost over term
• Ownership equity analysis
• Personalized recommendations

BASIC

Mortgage Refinance Analysis

Should you refinance? Break-even analysis and savings calculator

• Current vs new rate comparison
• Closing cost break-even point
• Monthly & lifetime savings
• Refinance recommendation engine

Ready for Complete Financial Analysis?

These calculators are just the beginning. Get comprehensive analysis of your entire financial picture with portfolio dashboards and advanced optimization tools.

✨ Basic Plan - $5/month

• Portfolio-level financial dashboards
• Document upload & fee analysis
• Account connections (Plaid integration)
• Comprehensive debt & investment analysis

🚀 Pro Plan - $15/month

• Everything in Basic
• Smart Compare educational scenarios
• Advanced wealth-building models
• Educational investment insights

No charges for 14 days • Cancel anytime • No commitment