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Money Tools

Run the numbers.

Five plain calculators for the questions that actually come up — what a habit grows into, what a loan really costs, and what actually lands in your account.

A companion to the Ethan & Emily money guides.

Investment growth

What a steady monthly habit becomes when it compounds. The gap between what you put in and what you end with is the whole point.

The U.S. stock market has averaged about 10%/yr long-term (~7% after inflation). Returns aren't guaranteed and vary year to year.
$0
projected value after 30 years

Loan / debt payoff

The monthly payment on a fixed loan, and how much of what you pay is interest. Add an extra payment to see how fast that flips.

$0
per month
Total interest
$0
Total paid
$0

Savings goal

Name a goal and a deadline; see what it takes each month. A little interest along the way does some of the work for you.

A high-yield savings account is the right home for money you'll need soon — safe, and it earns a little.
$0
to set aside each month
Still to save
$0
Interest helps with
$0

Paycheck take-home

What actually hits your account after taxes and deductions — and how much of the “lost” money is really just moved into your own 401(k).

A few states (TX, FL, WA) have none — set it to match where you live.
Pre-tax — lowers income tax now (still counts for FICA), and it's money you keep.
$0
take-home per year · $0/mo · $0 per biweekly check

Credit-card payoff

How long a balance takes to clear at a fixed monthly payment — and why paying near the minimum barely moves it.

—
to pay it off at this payment
Total interest
$0
Total paid
$0