Calculators for decisions that actually matter
Free, no-signup tools for the money and health questions people actually agonize over — should I get solar, which debt do I pay first, can I afford this house, how much should I be eating. Every calculator shows its work: the formula, a worked example, and what the result does and doesn't mean.
Financial calculators
Payback period and 25-year savings from your electric bill and system cost.
Debt Payoff CalculatorCompare snowball vs. avalanche across up to five debts and see your debt-free date.
Mortgage Refinance CalculatorNew payment, break-even on closing costs, and lifetime interest comparison.
Loan CalculatorMonthly payment and total interest on any fixed-rate loan, with amortization.
Home Affordability CalculatorA conservative estimate of the house price you can carry, using the 28/36 rule.
Budget CalculatorSplit your take-home pay with the 50/30/20 rule or your own percentages.
Emergency Fund CalculatorYour target cushion, the gap from today, and how long it takes to close.
Savings Goal CalculatorTime to reach a goal at your current pace, or the monthly amount a deadline requires.
Health calculators
Your maintenance calories via Mifflin-St Jeor, plus cut and bulk targets.
BMI CalculatorBody mass index, your category, and an honest note on BMI's limits.
Why these tools exist
Most calculator sites give you a number and no context. That's a problem, because the number is the easy part — the hard part is knowing whether the assumptions behind it fit your situation. A solar calculator that assumes 4% annual electricity inflation will tell a very different story than one assuming 1%, and neither will mention it.
Every tool here states its assumptions out loud, shows the formula it uses, and walks through a worked example with real numbers. If a result depends heavily on an input you're guessing at, the page says so. And where a calculator genuinely can't answer the question — like BMI for muscular people, or affordability rules for irregular income — the page tells you that too, instead of pretending.
The site is free and supported by advertising. There are no accounts, no email capture, and nothing is stored — every calculation runs in your browser and disappears when you leave. More about the site and where the formulas come from is on the about page.
From the blog
Which strategy actually gets you debt-free faster — with a worked example.
Is Solar Worth It in 2026?An honest look at payback periods now that the incentive picture has changed.
How Big Should Your Emergency Fund Be?Why "6 months" is a starting point, not an answer.
TDEE vs. BMRThe difference between the two numbers, and which one to base your diet on.