Est. 2026 · Personal Finance, Itemized

Money math, printed plain.

Five calculators for the decisions that actually cost you money, and a blog that explains the concept in one read — no autoplay video, no "sign up to see your result," no fluff.

NO ACCOUNT NEEDED NO EMAIL REQUIRED RESULTS IN SECONDS

The calculators

Start with mortgage →

Mortgage Calculator MONTHLY P&I Monthly principal & interest, total interest paid, and full payoff cost for any loan amount, rate, and term. How Much House Can I Afford? 28/36 RULE Enter your income and debts, get a housing-budget ceiling based on the standard 28/36 lending guideline. Auto Loan Calculator MONTHLY PAYMENT See your monthly car payment and total interest before you're sitting across from a finance manager. Percent Of / Percent Increase The two percent calculations people actually search for, without the ad-choked calculator sites. Tip & Bill Split Tip amount, total, and per-person split for any size group. Budget Planner 50/30/20 Log your income and expenses, see your 50/30/20 breakdown, and export it to Excel. Glossary SEARCHABLE Plain-English definitions for common financial terms — search or browse.

From the blog

All articles →

Debt Avalanche vs. Snowball: Which Actually Gets You Out Faster DEBT The math behind both strategies, and why the "worse" one sometimes wins. What Actually Moves Your Credit Score CREDIT The five factors behind your score, weighted by how much they actually matter. How Big Should Your Emergency Fund Actually Be? SAVING Why "3-6 months" is a range, not a rule, and where to actually keep the money. The 50/30/20 Rule, Explained Without the Fluff BUDGETING What the rule actually says, where it breaks down, and how to adapt it to a real paycheck.