Every calculator uses the same standard formulas your bank uses — amortization, loan-to-value, break-even analysis — with results you can verify. We show you the numbers, not recommendations.
All calculations happen locally in your browser. We never see your loan balance, credit card spending, or any other financial data you enter. No account, no tracking of your inputs.
These tools came out of real questions: Should I recast after selling my old house? Does my Amex Platinum actually pay for itself? Is now a good time to refinance? The calculators are designed around the moment of decision, not abstract financial theory.
No subscription, no freemium tier, no "premium" features. We show a few ads to keep the lights on, but the full functionality of every calculator is available to anyone. Learn more about us →