Personal Finance & Startup Tools

True annual percentage rate calculator that accounts for fees, compounding, and loan terms. Compare loan offers on an equal basis to find the lowest real cost of borrowing.

Side-by-side comparison of up to 3 loan offers with different rates, terms, and fee structures. Shows total cost over the life of each loan with amortisation schedules.

Monthly payment calculator with PMI, property tax, and insurance estimates. Adjustable down payment and term length to see how each variable affects affordability.

Break-even analysis for mortgage refinancing. Factors in closing costs, rate differential, and remaining term to show exactly when refinancing pays off.

Automatic budget allocation using the 50/30/20 framework. Input your after-tax income and expenses, and see whether your spending on needs, wants, and savings hits healthy targets.

Avalanche and Snowball strategy comparison. Enter all debts with balances, rates, and minimum payments. See the optimal payoff order, total interest saved, and your debt-free date.

Calculate your target emergency fund based on monthly expenses and risk tolerance (3, 6, or 12 months). Track progress and see how many months of coverage you currently have.

Consolidated assets minus liabilities with category breakdown. Track net worth over time with visual trends showing your trajectory toward financial independence.

Project retirement readiness using the 25x rule, expected Social Security, and current savings rate. Adjustable retirement age shows how working one more year changes the outcome.

Compound growth projections with adjustable return rates, monthly contributions, and inflation. See how your portfolio grows over 5, 10, 20, or 30 years with interactive charts.

Tax-bracket-aware analysis showing the impact of retirement contributions, capital gains, and deductions on your effective tax rate. Answers: where should I put my next dollar?

Housing decision framework comparing renting vs. buying over 5-30 years. Factors in appreciation, maintenance, opportunity cost of down payment, and tax benefits.

Minimum payment trap calculator showing how long payoff takes at minimum vs. fixed payments. Visualises total interest paid and motivates accelerated payoff.

Track multiple savings goals with target amounts, deadlines, and monthly contributions. Progress bars and projected completion dates for each goal.

Life insurance needs calculator based on income replacement, debts, dependents, and existing coverage. Answers: how much coverage do I actually need?

529 plan and education savings projector. Estimates future tuition costs with inflation and shows required monthly contributions to fully fund education.

Comprehensive scoring across 8 dimensions: emergency fund, debt-to-income, savings rate, insurance, retirement progress, and more. Colour-coded status with specific action steps.

Full 5-year financial model builder matching the standalone Financial Model Builder app. Build P&L, cash flow, hiring plans, and investor-ready projections directly within the personal finance toolkit.