Real math for real decisions — debt payoff, retirement, affordability, mortgage, and savings goals. All free, all instant, no sign-up.
💳 Debt Payoff Calculator
Enter each of your debts below. Choose Avalanche (highest interest first — saves the most money) or Snowball (smallest balance first — most motivating). We'll show you your exact payoff date and total interest paid.
Debt NameBalance ($)Interest Rate (%)
—
Estimated Debt-Free Date
Total Debt
—
Total Interest Paid
—
Months to Payoff
—
Monthly Payment
—
⚠️ This is an estimate for planning purposes. Actual payoff may vary. Educational guidance only — not financial advice.
🏖️ Retirement Number Calculator
Based on the widely-cited 4% Safe Withdrawal Rule — you can withdraw 4% of your portfolio annually with a historically high probability of never running out of money. Find your number and see how close you are.
—
Your Retirement Number
Already Saved
—
Still Need
—
Years to Reach Goal
—
Monthly Income in Retirement
—
⚠️ Based on the 4% Rule. Actual results vary with market performance, inflation, and spending. Educational purposes only — not financial advice.
🤔 Can I Afford This?
Thinking about a big purchase? Enter your financial picture and the item you're considering — we'll give you an honest yes, maybe, or no with real context, not just a number.
—
SmartMoney Verdict
Monthly Surplus
—
Purchase % of Surplus
—
Emergency Fund Status
—
Months to Save Instead
—
⚠️ Educational guidance only — not financial advice. Your specific circumstances always matter most.
🏠 Mortgage Affordability Calculator
Find out how much house you can realistically afford based on your income, debts, and down payment — plus your estimated monthly payment breakdown.
—
Maximum Recommended Home Price
Monthly P&I Payment
—
Est. Monthly Taxes + Insurance
—
Total Monthly Housing Cost
—
Housing % of Income
—
Total Interest Over Loan
—
DTI Ratio
—
⚠️ Estimates only. Actual rates, taxes, and insurance vary. Get a pre-approval from a licensed lender. Educational guidance — not financial advice.
🎯 Savings Goal Calculator
Enter your savings target and deadline — we'll tell you exactly how much to save each month, and what happens if you invest it instead of letting it sit in a regular savings account.
—
Required Monthly Savings
Goal Amount
—
Already Saved
—
Still Needed
—
Interest Earned (HYSA)
—
⚠️ Interest rates change over time. Educational purposes only — not financial advice.