Big decision? Run the numbers.
Compare 101 everyday financial decisions with transparent, instant math.
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High-impact decisions most households run first.
What will this mortgage really cost, and what do extra payments save?
See your full monthly mortgage payment with taxes, insurance and PMI, the interest you will pay in total, and what an extra payment each month saves.
Run numbersRent or buy?
Compare buying a home with renting and investing the difference. See which leaves you with more money after the years you plan to stay.
Run numbersDoes a heat pump pay compared with oil, propane or gas?
See if a heat pump pays off against your oil, propane or gas heat. Enter your fuel use and prices and get the payback in years. Free, runs in your browser.
Run numbersWhat will this car loan really cost?
See the monthly payment, total interest and full cost of a car loan, with tax, fees and trade-in included. Free, private and no sign-up.
Run numbersDo solar panels pay for themselves?
See if solar panels pay off for your home: payback years, 25-year savings and net cost with no federal credit. Free, no sign-up, runs in your browser.
Run numbersAll calculators by category
Mortgages and housing
(8)
What will this mortgage really cost, and what do extra payments save?
See your full monthly mortgage payment with taxes, insurance and PMI, the interest you will pay in total, and what an extra payment each month saves.
When does a refinance pay for itself?
Find out how many months it takes for a lower payment to cover your refinance closing costs, and whether you will stay in the home long enough.
Do mortgage discount points pay?
See how many years it takes for mortgage points to pay for themselves through a lower payment, and what you gain or lose if you move sooner.
Pay off the mortgage early or invest the money?
Compare paying extra on your mortgage with investing the same money. See the ending wealth for each and the return investing needs to win.
HELOC or cash for home projects?
Compare paying cash with borrowing on a HELOC for a home project. See total interest, fees, ending savings and what happens if rates rise.
Rent or buy?
Compare buying a home with renting and investing the difference. See which leaves you with more money after the years you plan to stay.
Does a 15-year mortgage pay over a 30-year?
Compare a 15-year and a 30-year home loan. See the monthly payment gap, total interest saved, and if investing the gap beats the 15-year rate.
Does raising the rent pay if it risks an empty month?
Weigh a $50 to $100 monthly rent increase against the chance the tenant leaves, the empty months and the cost of turning the unit over. See what each outcome is worth and the chance of leaving where raising stops paying.
Cars
(14)
What will this car loan really cost?
See the monthly payment, total interest and full cost of a car loan, with tax, fees and trade-in included. Free, private and no sign-up.
Take the 0% financing or the cash rebate?
Compare 0% financing with a cash rebate plus your own bank loan. See which costs less in total and the bank rate where the two options tie.
Does an electric car cost less than a gas car?
See if an electric car saves you money. Enter your miles, gas price and electric rate to get yearly savings and payback time. Free, no sign-up.
Does a hybrid car pay compared with a standard gas car?
Find out if a hybrid pays for itself. Enter the price difference, your miles and the gas price to see yearly savings and years to break even.
Does fixing your car pay compared with buying a replacement?
Enter your repair quote and the car you would buy instead. See which costs less over the same years, and the repair price where replacing wins.
Does leasing or buying a car pay?
Enter your lease quote and loan terms. See whether leasing or buying costs less over the same months, and what the car must be worth for buying to win.
Does refinancing a car loan pay off?
Compare your car loan against a new loan offer. See monthly savings, total interest saved, when fees pay back, and if a longer term costs more.
Does a new car pay compared with a used one?
Compare a new car and a used car over the years you own it. See total cost after loan rates, value lost, fixes and tax. Free, no sign-up.
Does an extended car warranty pay?
See if a car plan pays for itself or if a cash fund wins. Enter the plan price, fee per shop visit and likely repairs. Free, in your browser.
Does an e-bike pay for daily commuting vs driving?
Compare an e-bike purchase, battery replacement, and gear against driving. Weighs car gas, wear, daily parking, and transit passes.
Does installing a Level 2 home EV charger pay?
Compare a 240V home charger and install cost against public fast charging. Includes slow plug-in charging losses and utility rebates.
Does AAA or roadside assistance pay for itself?
Compare a yearly roadside membership, an insurer add-on and paying for each tow, jump start or lockout. Enter how often you break down. Free, in your browser.
How many washes a month before an unlimited car wash club pays?
Enter the club price and the price of one wash. See how many washes a month break even, with a salt-season figure for winter, cancel timing, fees and a part-year plan. Free, in your browser.
Do winter tires and a second set of wheels pay for themselves versus all-season tires?
Compare one set of all-season tires all year with a winter set plus an all-season set. See the cost a year and a mile, where the extra goes (tires, swaps, storage, wheels), and the saving winter tires would need to break even. Cost only, no safety rating. Free, in your browser.
Debt, cards and loans
(8)
What does this personal loan really cost?
Find the true yearly rate and total cost of a personal loan after the lender fee, and see how much cash you get. Free, with no sign-up.
Does consolidating your debts pay?
See if a new loan or card transfer beats your current debts. Compare fees, your new payment and months saved. Free, with no sign-up.
What is the fastest way to pay off your debts?
List your debts and compare smallest balance first with highest interest first. See your debt-free date and the interest each plan saves. Free and private.
How long will it take to pay off this credit card, and what will it cost?
See how many months it takes to pay off your credit card, how much interest it costs, and what monthly payment clears it by a date you choose. Free.
Does paying cash or using a credit card pay?
Does the cash price beat card rewards? Compare paying cash with card cash back, the grace days and interest. Free, with no sign-up.
Does paying an annual credit card fee pay for itself?
Find the yearly spend where a card with a yearly fee beats a free 2% card. Count only perks you will really use. Free, with no sign-up.
Does paying off student loans early pay over investing?
Compare paying extra on your student loan against investing that cash. Includes the tax break on loan interest and tax on your market gains.
Does a balance transfer card pay?
See if a 0% card transfer beats the up-front fee. Compare what you save on card interest and what you must pay each month to clear the debt.
Home energy and appliances
(16)
Do solar panels pay for themselves?
See if solar panels pay off for your home: payback years, 25-year savings and net cost with no federal credit. Free, no sign-up, runs in your browser.
Does a heat pump pay compared with oil, propane or gas?
See if a heat pump pays off against your oil, propane or gas heat. Enter your fuel use and prices and get the payback in years. Free, runs in your browser.
Does a home battery pay?
Does a home battery pay for itself? See bill savings from time-of-use rates and solar, and how much backup power must be worth. Free, runs in your browser.
What does it cost to run it?
See what any appliance costs to run per hour, month and year at your power rate. Check if a new one would pay for itself. Free, no sign-up.
Does a heat pump water heater pay compared with standard electric or gas?
See how much a heat pump water heater saves on your bills and how many years it takes to pay back versus electric, gas or propane. Free, in your browser.
Does attic insulation and air sealing pay?
See what attic insulation and air sealing saves on your heating and cooling bills, and how many years it takes to pay back. Free, in your browser.
Does repairing or replacing an appliance pay?
Is a repair quote worth it? Compare fixing a fridge, washer, dryer or dishwasher with buying new, including power savings and the 50% rule.
Does a smart thermostat pay?
Enter your heat and cool bills, unit price and power rebate. See yearly bill savings and how many months a smart thermostat takes to pay back.
Do new windows pay for themselves?
See how much new windows save on heat and cool bills and add at home sale. Compare full window cost against sealing drafts first. Free tool.
Does adding a battery to solar panels pay?
See if adding a battery to existing solar panels pays off. Models peak-rate bill shifts, low export credits, rebates, and backup power.
Does a metal roof pay over asphalt shingles?
Compare a standing seam metal roof with architectural shingles replaced on their own schedule, over the years you keep the house, with the break-even year and what a buyer repays if you sell early. Free tool.
Does a standby generator pay vs a home battery for backup?
Compare a gas standby generator with a home battery for backup power: cost a year, cost per outage hour, how long each runs, and bill savings.
Does a pellet or wood stove pay against heating oil?
See if a pellet or wood stove pays against heating oil. Enter your oil use, fuel prices and how much oil the stove replaces. Free, in your browser.
Does a tankless water heater pay over a tank water heater?
Compare a tankless water heater with a tank: extra install cost, fuel or power saved, upkeep, lifespan and payback, for gas, propane or electric. Free, in your browser.
Is a mini-split cheaper than window units or central air over its life?
Compare window units, a ductless mini-split and central air over 15 years: price, power, upkeep and replacement. See which costs least and the cooling hours where the mini-split wins. Free, in your browser.
Should I repair or replace my furnace, boiler or central AC?
Compare a repair quote with a new furnace, boiler or central AC. See the cost per year over the years the repair buys, the repair price where replacing wins, and the answer if fuel prices stay flat. Free, in your browser.
Everyday money and work
(24)
How should utilities be split in a duplex, and does a submeter pay?
Split duplex bills by square feet, people or rooms. See if submeters would pay for themselves. Free, runs in your browser.
Does an annual subscription pay compared with paying monthly?
See how many months a yearly plan must run to beat paying each month, and how much you save. Free, with no sign-up.
Does a warehouse club or shopping membership pay for itself?
Enter the fee and what you spend. See if a Costco, Sam's Club or similar membership pays for itself, and the yearly spending where it breaks even.
Does automation software pay for itself?
Enter what the tool costs and the hours it saves. See how many months it takes to pay for itself and what you gain in a year.
Does a higher-paying job offer pay after the commute?
Compare two jobs after tax, mileage, parking and time on the road. See how much more you keep a year and what each extra commute hour costs.
Does renting or buying equipment pay?
Enter the purchase price and the rental yard's rate. See which costs less over your timeline and how many days a year you must use it to make buying pay.
Does going back to work pay after childcare?
See what a second job leaves after tax, daycare, commute costs and tax breaks. Includes 401(k) match and pay growth over the pre-school years.
Does a 1099 contract rate pay over a W-2 salary?
Compare a W-2 job with a 1099 hourly rate. Counts self-employment tax, health care, paid time off, 401(k) match and tax breaks. Free, no sign-up.
Do meal kits save money compared with groceries and takeout?
See if a weekly meal kit box saves money compared with home-cooked groceries and takeout. Counts food waste, shipping fees, and promo discounts.
Is selling your old stuff online worth your time?
See what you earn per hour selling old clothes, gear, or electronics online vs a consignment drop-off or donating. Finds your minimum item price.
Does buying in bulk really save money?
Compare bulk warehouse packs with normal store sizes. Counts food waste, faster use at home, shelf space, and cash tied up.
Which health insurance plan costs less?
Compare your HDHP with an HSA against a PPO plan across low, expected, and worst-case medical bills. Counts payroll premiums and HSA tax savings.
Does dental insurance pay?
Compare dental insurance premiums, deductibles, and the $1,500 annual cap against paying cash for cleanings, fillings, and crowns.
Does pet insurance beat a vet savings fund?
Compare monthly pet insurance bills and deductibles against a vet savings account. See how rising age rates and big vet bills change the math.
What does owning this pet really cost?
Add up first-year pet setup, monthly food and vet bills, boarding, and senior care. Compare your true monthly cost to your budget.
Do backyard chickens save money on eggs?
Compare coop, run, bird, and feed costs against the value of fresh eggs. See your cost per dozen and how many years payback takes.
Does a vegetable garden pay?
Compare raised bed, soil, fence, seed, and water costs against the grocery value of your harvest. See how many years payback takes.
How many months until a home gym pays for itself?
Compare home gym gear, floor space, and resale value against monthly gym dues. See how signup fees and drive costs change your payback.
Does DIY lawn care pay over a mowing service?
Compare buying a mower, trimmer, gas, and upkeep against a weekly mowing crew. See your 1 to 10 year savings with optional time cost.
Does a home water filter pay over bottled water?
Compare an under-sink or pitcher filter and new cartridges against bottled water. See what you save over cases or 5-gallon jug delivery.
What do youth travel sports cost vs a college fund?
Compare yearly club dues, trips, hotels, and gear against rec league fees. See what investing the difference grows to by age 18.
Does cutting cable for streaming still pay?
Compare monthly streaming apps, live TV plans, and home internet against cable. See what happens after cable promo rates expire.
Does a snowblower pay over a plow service, and how many storms until it does?
Compare buying a snowblower with paying a plow service by the visit or the season. Pick an upstate New York station or enter your own storm count. Free, in your browser.
Does buying my own modem and router pay compared with the cable company's rental fee?
Compare your provider's monthly modem, gateway or Wi-Fi fee with buying your own modem and router or a mesh set. See the months to break even, what you net over the years you keep it, and the answer if the fee never rises. Free, in your browser.
Travel & Recreation
(10)
Does driving to a cheaper airport pay?
See if driving to a farther airport saves money for your group. Compares tickets, bag fees, gas, tolls, parking, hotel nights, and drive time.
Does a season pass pay for itself?
See how many visits a ski, theme park, or zoo pass needs to beat day tickets. Counts parking, food discounts, guest passes, and blackout dates.
Does a seasonal RV campsite pay for itself?
See how many nights and trips an annual RV campsite lease needs to beat weekend bookings. Counts towing fuel, metered electric, and winter storage.
Does a vacation rental cost less than a hotel after fees and meals?
Compare a house rental with a hotel stay after cleaning fees, platform fees, resort fees, parking, tax, and kitchen meal savings.
Host the party at home or rent a venue?
Compare hosting a party at home with tent, table, and chair rentals against a venue package. Counts food, drinks, service fees, and your time.
Does a destination wedding save money?
Compare your budget and guest travel costs for a local wedding vs a trip wedding. Counts resort perks, airfare, and hotel nights.
Is a boat club cheaper than owning a boat?
Compare boat club signup fees and monthly dues against owning a boat. Includes loan, slip, insurance, upkeep, resale, and day rentals.
Does keeping a timeshare beat a hotel or rental?
Compare yearly timeshare fees, exchange dues, and special charges against hotels. See your 10-year cost vs booking trips on your own.
Does an airline credit card pay for itself in free checked bags?
Find how many round trips a year it takes for a $95 to $150 airline card to beat paying checked bag fees. Counts party size, bags, and trips on that airline. Free, with no sign-up.
Does TSA PreCheck, Global Entry or CLEAR pay for itself for how often I fly?
Compare TSA PreCheck, Global Entry and CLEAR+ with doing nothing. Enter your trips, minutes saved and the value of an hour to see the break-even trips a year, the cost per trip and the answer if fees never rise. Free, in your browser.
Education & Side Business
(13)
What does this side hustle really pay per hour?
See what a side hustle or gig really pays per hour. Counts self-employment tax, income tax, car miles, fees, and unpaid hours.
Does a degree or bootcamp pay for itself?
See how many years a degree, bootcamp, or trade school takes to pay back. Counts tuition, student loan interest, lost wages, and your pay bump.
Does a craft fair or farmers market booth pay for itself?
See how many items you must sell at a craft fair or farmers market to cover booth fees, supplies, card fees, miles, and your prep and booth hours.
Does selling on a marketplace or your own online store pay more?
Compare Etsy, eBay, or Amazon fees with your own online store. Counts monthly software fees, card processing, ad spend per order, and admin hours.
Start at community college then transfer or go to a four-year school?
Compare 2 years at a local college plus transfer with 4 years at a state school. Counts aid, room and board, lost credits, and loans.
When does an S-Corp save money over an LLC?
Compare S-Corp payroll tax savings on owner payouts against LLC taxes. Includes fair salary rules, payroll fees, state taxes, and QBI.
Does hiring help pay vs turning down work?
See if hiring an employee or contractor pays off over staying solo. Models payroll taxes, training time, and billable hours.
Should I take employer tuition help if I must pay it back when I leave?
See if employer tuition help pays when you have to repay it if you leave early. Counts the $5,250 tax-free limit, the tax on anything above it, a cliff or prorated repayment, your chance of leaving, and the extra pay an outside offer would need.
Is an income share agreement cheaper than a student loan?
Compare an income share agreement with a student loan for the same amount, on low, middle and high income paths.
Should my business buy equipment with Section 179 or lease it?
Compare buying equipment and writing it off in year 1 with leasing it and deducting the payments. See the after-tax cost, the break-even tax rate and which side wins.
Does hiring a bookkeeper pay compared with doing my own books?
Compare doing your own books in accounting software with hiring a bookkeeper. Enter the fee, your hours and what an hour of your time is worth. See the break-even value of your time. Free, in your browser.
Should I deduct business miles at the IRS rate or my actual car costs?
Compare the IRS standard mileage deduction with your actual car costs. See both deductions, the gap, what it is worth in tax, and the business miles where the answer flips. Free, in your browser.
Does a coworking desk or small office lease pay compared with working from home?
Compare working from home, a coworking desk and a small office lease. Enter the fees, your days a week and your commute. See the extra cost a month, the day-pass break-even and the hours of work that would cover the gap. Free, in your browser.
Retirement and savings
(8)
Does a 529 plan beat a regular brokerage account?
Compare state tax breaks and tax-free 529 growth against a brokerage account. Includes non-college penalty risks and Roth rollover rules.
How much more can a Solo 401(k) shelter than a SEP IRA?
Compare the most a Solo 401(k) and a SEP IRA allow at your self-employment income, the extra the Solo 401(k) shelters, and the tax that extra could save this year. Includes catch-up, Roth choice and an income table.
Does a Roth or traditional 401(k) or IRA leave more after tax?
Compare a Roth and a traditional 401(k) or IRA. See which leaves more after tax when you invest the tax break and the retirement rate where they tie.
At what age does waiting to claim Social Security pay off?
Compare claiming Social Security at 62, 67 and 70. See your monthly check at each age, the break-even age, and how investing early checks shifts it.
Should I invest my HSA and pay medical bills in cash?
Compare spending your HSA on medical bills today with paying cash, investing the HSA, and cashing in saved receipts years later tax-free. Free tool.
Should I get my 401(k) match before paying off debt?
Compare taking your employer 401(k) match first with putting every dollar on high-rate debt. Counts the match formula, vesting, tax breaks and APR.
Should I take a monthly pension or the lump sum?
Compare a monthly pension check with rolling a lump sum into an IRA. Counts survivor pay, cost-of-living raises, and the return needed to beat it.
Does a Treasury bill beat a bank CD or savings account after tax?
Compare a US Treasury bill with a bank CD or savings account after federal, state and city taxes. See the bank rate needed to beat a T-bill.
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How these calculators work
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All financial math runs locally on your device. Your numbers are never stored on a server or shared with third parties.
Editable assumptions
No black-box estimates. Every rate, lifespan, tax rule, and maintenance figure is open for you to inspect and change.
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