Free financial calculators & AI decision tools · Reviewed by CFP®/CPA experts
The AI Financial Decision Platform

Financial calculators & AI tools for smarter money decisions

Free, accurate calculators and AI-powered guidance for every money decision — mortgages, debt, retirement and more. No account required.

Browse popular calculators Explore AI tools
Popular: Buy a home Refinance Pay off debt Retire early
Example
Mortgage decision
AI-reviewed in seconds
$2,147
Estimated monthly payment
92Decision score Strong fit
  • Within a healthy share of income
  • Leaves room for savings
  • Low payment-shock risk
Opportunity

A larger down payment could lower this by ~$183/mo.

Expert-reviewed formulas Transparent math No signup required 100% free
Start with your goal

Start with your goal,
not a calculator.

Tell us what you're trying to do — we'll line up the right calculators, comparisons, and AI tools for that decision.

Browse all calculators

Buy a home

Work out what you can afford, what you'll pay each month, and whether buying beats renting.

AffordabilityMonthly paymentRent vs buy

Buy a car

Compare leasing against buying and see how much car actually fits your budget.

Auto loanLease vs buyAffordability

Pay off debt

Build a payoff plan, pick snowball or avalanche, and see your debt-free date.

SnowballAvalanchePayoff date

Invest

Project compound growth and understand what your money could become over time.

Compound interestROIGrowth

Save money

Set a savings goal, build your emergency fund, and put your budget on rails.

Savings goalEmergency fund50/30/20

Retire early

Find your FIRE number, project your 401(k), and check if you're on track.

FIRE number401(k) growthRetirement income

For founders & side-hustlers

Business finance

Startup costs, break-even points, and ROI — make confident entrepreneurial decisions with the full toolkit.

 Explore tools
Your AI Decision Engine

Stop Guessing. Start Deciding.

Don't just crunch numbers. Ask a question, and let our AI analyze your variables to guide you to the best financial decision.

Live AI

Should I Buy or Rent?

Compare the true long-term costs of buying vs renting in your zip code, factoring in market trends and opportunity costs.

Run Analysis
Live AI

Should I Refinance?

Calculate your break-even horizon and let AI determine if current market rates make refinancing worth it for you.

Run Analysis
Live AI

Should I Lease or Buy?

Go beyond monthly payments. Evaluate depreciation, mileage limits, and tax implications to find the cheaper option.

Run Analysis
Live AI

Pay Off Debt or Invest?

Should you put extra money toward debt or the stock market? Our AI calculates the mathematically optimal path.

Run Analysis
Live AI

Roth or Traditional 401k?

Maximize your retirement nest egg. Predict future tax brackets to choose the right contribution type today.

Run Analysis
Live AI

When to Take Social Security?

Should you claim at 62, 67, or 70? Project your lifetime break-even age to maximize your total benefits.

Run Analysis
Live AI

Should I Pay Cash or Finance?

From cars to appliances, discover if paying cash or financing and investing the difference leaves you wealthier long-term.

Run Analysis
Explore Everything Mortgage

The Complete Mortgage Ecosystem

Don't just calculate your payment. Get AI insights, compare lenders, and read expert guides to navigate the entire home buying journey in one place.

  • 48 Calculators
  • 12 AI Tools
  • 26 Guides
  • 15 Comparisons
Explore Everything Mortgage Mortgage Calculator

Popular Inside

Calculators

48 Tools

Payments, affordability, refinance, and amortization tools.

Calculate

AI Decision Tools

12 Tools

AI analyzes your finances and explains the best option using transparent calculations.

Run Analysis

Guides & Education

26 Guides

Step-by-step walkthroughs for first-time buyers and owners.

Learn More

Mortgage Comparisons

15 Comparisons

Fixed vs ARM, 15 vs 30 Year, FHA vs Conventional, and lender rates.

Compare Options