Tools
Calculators for everyday money questions
The same math engines behind Forth Arc, free for everyone. Nothing you type is stored or sent anywhere; every page states its assumptions. Educational only — not financial advice.
Debt payoff: snowball vs avalanche
Debt-free dates and total interest for both methods, side by side.
Loan amortization + extra payments
Payment, total interest, and what an extra monthly amount changes.
Savings goal
Months to a target and the monthly amount a date implies.
Emergency fund
How many months your cash covers, and the gap to a target.
Debt-to-income ratio
Your DTI with the commonly referenced lending levels marked.
Credit utilization
Per-card and overall utilization with the 30% reference level.
RSU vest & withholding gap
Vest schedule value and the flat-withholding-vs-marginal-rate gap.