Tools · Personal Finance
ReckonKit · category

Personal Finance

Debt, savings, net worth, and the big personal money decisions.

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Debt payoff

debt payoff calculator

It's hard to stay motivated when the finish line is invisible. Enter your balance, rate, and monthly pay…

Loan & Amortization

loan amortization schedule calculator

Enter your loan amount, rate, and term to get your monthly payment and total interest instantly — then g…

Savings Goal

savings goal planner

Enter your goal, what you have saved, and your deadline to get the monthly amount instantly — then plan …

Retirement & FIRE

fire retirement calculator

Financial independence is a number: about 25 times your annual spending. Enter your spending, savings, a…

Net Worth

net worth tracker

Net worth is the clearest measure of financial progress: what you own minus what you owe. Enter your tot…

Hourly to Salary

hourly to salary calculator

Comparing an hourly gig to a salary is apples to oranges until you convert. Enter your rate and schedule…

Rent vs Buy

rent vs buy calculator

Buying isn't automatically cheaper than renting once taxes and upkeep are counted. Enter your rent, a ho…

Emergency Fund

emergency fund calculator

A cushion of a few months' expenses turns a crisis into an inconvenience. Enter your expenses and saving…

Credit Card Payoff

credit card payoff calculator

Minimum payments keep you in debt for years. Enter your balance, APR, and payment to see the months and …

Savings Rate

savings rate calculator

Your savings rate — the share of income you keep — matters more than your income for reaching financial …

Mortgage Payoff

mortgage payoff calculator with extra payments

Small extra payments make an outsized dent in a mortgage, because they cut principal that would have acc…

College Savings

college savings calculator

A big tuition goal is manageable when you break it into monthly amounts — and let growth do part of the …

Renovation Budget

home renovation budget calculator

Renovations run over because people forget the contingency. Enter your estimate and a buffer to see a re…

Car Ownership Cost

true cost of car ownership calculator

The price is just the start — depreciation, fuel, insurance, and upkeep are the real cost. Enter yours t…

Tax-Advantaged Savings

hsa tax savings calculator

Pre-tax contributions to accounts like an HSA or retirement plan cut your tax bill now and grow over tim…

Student Loan Payoff

student loan payoff calculator

The standard schedule is just one option — extra payments can shave off years and interest. Enter your b…

Home Affordability

home affordability calculator

Lenders cap your housing payment as a share of income, minus your other debts. Enter your numbers to see…

Event Budget

wedding and event budget calculator

Events overrun because costs hide in a dozen categories. Enter your budget, guests, and spend so far to …

Roth vs Traditional

roth vs traditional calculator

The choice comes down to your tax rate now versus in retirement. Enter your contribution, time horizon, …

Moving Cost

moving cost calculator

Moving quotes are hard to sanity-check without a baseline. Enter your estimated volume, rate per cubic f…