Calculators
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Snowball vs. Avalanche
What each debt payoff order costs, and what it buys you.
Loan Payment & Schedule
What a loan costs each month and in total, payment by payment — or how much a payment you can afford will actually borrow.
Recast vs. Refinance
Six things you could do with a lump sum and a mortgage, side by side.
Monthly Budget
What comes in, what goes out, what is left. The intake form we start a coaching session with.
Three-Paycheck Months
Which two months a year your biweekly pay lands three times — for both earners, on whatever weeks you are each paid.
Net Worth
What you own, what you owe, and what is left if you cannot touch the house.
401(k) Contributions
The paycheck and bonus elections that reach the limit without giving up any match — for per-paycheck and true-up plans.
HSA Contributions
How much room is left this year, what that is per paycheck — and whose payroll it should come out of.
CD vs. Savings
What a certificate of deposit actually pays over the savings account you already have — and what breaking it early costs.
Compound Interest
What a balance grows to with money added along the way — and how much of the end figure is interest rather than your own deposits.
Self-Escrow
Pay your own property tax and insurance: what to transfer each month, whether you need a top-up now, and what the account could earn.