Free Personal Finance Calculators

Built from real banking conversations.

Max Cohen is an experienced New Hampshire banker and Certified Financial Education Instructor®. Every tool shows its assumptions and math.

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Choose the stage that matches your money today. Each step strengthens the next.

Organize your cash, reduce expensive debt, and stop interest from working against you.

How should you divide money among checking, emergency savings, CDs, and investing?

Framework: checking buffer → emergency savings → near-term goals → long-term investing.

Which debt should you pay first, and when could every balance reach zero?

Method: compares avalanche, snowball, and hybrid payoff paths with projected interest.

Will a 0% balance transfer save money after the fee and promotional period?

Method: models the transfer fee, promo APR, post-promo APR, and break-even timing.

Test the full cost before a vehicle or mortgage payment becomes part of your monthly life.

What vehicle price fits your income, down payment, trade equity, and current car payments?

Framework: 20% down, a 3-year term, and total car payments below 8% of gross income.

Would extra payments, a recast, or refinancing improve your mortgage outcome?

Method: compares amortization, fees, monthly payment, total interest, and break-even timing.

Turn monthly capacity into invested assets, then test whether the long-term plan supports retirement.

When could your investments reach $100,000, and how much faster might later milestones arrive?

Projection: current invested balance + monthly contributions + an adjustable annual return assumption.

Does your current savings path support the retirement spending goal you have in mind?

Method: combines contributions, employer match, debt timing, income sources, taxes, and simulated market paths.

Share the financial decision you want a calculator to make clearer.

The net worth tracker remains off this page until it is useful enough to launch.