Money Clarity Calculators

Why clarity matters

Money gets calmer when the math is visible.

See compounding, inflation, fees, and debt schedules plainly. Small, consistent actions win over exotic strategies.

Grow

Savings Growth (with monthly contributions)

Starting balance $ Monthly add $ Annual return % Years Compounding

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Formula: FV = P(1+r/n)^(n t) + PMT * [((1+r/n)^(n t)-1)/(r/n)]. Contributions assumed end‑of‑period.

Compound

Compound Interest — Lump Sum

Initial $ Annual return % Years Compounding

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Costs

Fee Drag (expense ratio vs low‑cost)

Initial $ Monthly add $ Gross return % Years High fee % Low fee %

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Prices

Inflation & Purchasing Power

Today $ Years Annual inflation %

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Independence

FIRE & Runway

FIRE Number (4% guide)

Annual spend $ Safe withdrawal %

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Runway (months of expenses)

Cash $ Monthly spend $

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Debt

Debt & Amortization (Snowball vs Avalanche)

Balance $ APR % Monthly payment $ Extra to principal $

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If interest each month exceeds payment, the balance will grow (negative amortization). Increase payment until it falls.

Plan

Budget Balance (50/30/20 hint)

Income / month $ Needs $ Wants $ Savings $

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Snapshot

Net Worth Snapshot

Cash $ Investments $ Debts $

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Verification

Built for Clarity

Formulas are standard (shown next to each tool).
All math runs locally; no data leaves your browser.
Educational only — not investment, tax, or legal advice.

Updated: Sept 30, 2025