Big money questions.
Plain-English answers.
Twelve calculators that don't just give you a number — they tell you what the number means, where it comes from, and what to do next. Written by humans, checked twice.
Every formula shown on the page. Sources: BLS, IRS, CFPB. Reviewed before publishing.
01 — THE LEDGER
Pick a question. Get a real answer.
Mortgage Calculator
Full PITI payment, PMI, total interest, payoff date and a year-by-year amortization schedule.
$400k · 30yr · 6.5% → $2,528/mo
Open →
INVESTINGCompound Interest Calculator
Project growth from a lump sum plus recurring contributions, with real (inflation-adjusted) values.
$10,000 @ 8% · 30yrs → $100,627
Open →
SAVINGSSavings Goal Calculator
Work backwards from a goal: required monthly deposit, shortfall, and progress toward the target.
$60,000 goal → $1,012/mo for 5yrs
Open →
LOANS & DEBTLoan Calculator
Monthly payment and true total cost for any fixed-rate installment loan, including extra payments.
$25,000 · 5yr · 7.9% → $505/mo
Open →
INVESTINGInflation Calculator
Convert any dollar amount between 1913 and 2026 using official CPI-U data, with average annual inflation.
$1,000 in 1980 → $4,010.92 today
Most popular this month →
RETIREMENT401(k) Calculator
Project your 401(k) balance with employer match, salary raises and compound growth — and see what the match is worth.
$70k salary · 6% match → $350/mo free
Open →
RETIREMENTRoth IRA Calculator
See tax-free compounding on Roth IRA contributions versus the same money in a taxable account.
$7,000/yr · 30yrs → tax-free growth
Open →
LOANS & DEBTCredit Card Payoff Calculator
How long to clear a card balance at your payment level, what it costs, and what minimum payments really do.
$8,400 · 22% APR → 14 months
Open →
INCOMESalary to Hourly Calculator
Convert any salary to hourly rate — or the reverse — with hours per week and paid time off factored in.
$80,000/yr = $38.46/hr
Open →
SAVINGSAPY Calculator
Convert nominal rates to true effective annual yield (APY) and project deposit growth at any frequency.
$10,000 @ 4.50% APY → $459/yr
Open →
EVERYDAYCurrency Converter
Convert between major world currencies using an indicative mid-market rate snapshot, with cross rates.
Live mid-market rate, no markup
Open →
RETIREMENTRetirement Planner
Project your nest egg at retirement, what it pays under the 4% rule, and whether it covers your target income.
$500/mo · 35yrs → $1.14M
Open →
02 — THE HUMAN MATH
Anyone can compute. We explain.
01
Show the work
Every calculator shows its formula, its assumptions, and its data source on the same page. If a bank shows you a different number, we tell you exactly why.
02
Admit the limits
No calculator predicts your life. We say what our math can't do — local taxes, your actual spending — instead of pretending it can.
03
Written, then checked
Pages are written by people who've made these decisions, then reviewed and dated. When the CPI updates, the pages update — and say they did.
Every page dated, sourced, and signed before it ships.
SOURCES: BLS · IRS · CFPB · FRED
03 — STRAIGHT FROM SEARCH
The questions you actually type.
Every one of these has a page here with the answer, the math behind it, and what to do next.