Debt & Housing
Get Out of Debt. Build Real Wealth.
Avalanche vs snowball, mortgage vs rent, refinance break-even, student loans, rental property cash flow, credit card optimization, subscription audits, insurance shopping, and whether to pay off debt or invest the difference, every decision, modeled.
Debt Payoff
Avalanche vs Snowball
Compare the debt avalanche and snowball payoff methods side by side, see the difference in total interest and time to debt free.
Compare payoff strategies
Debt-Free Date Calculator
Enter your debts and monthly payments, get your exact debt free date and the interest you will pay along the way.
Find your debt-free date
Credit Card Interest Calculator
See how long it takes to pay off credit card debt at different monthly payments, and the total interest cost.
Calculate card interest
Student Loan Payoff Calculator
Model standard, accelerated, and income driven repayment options for your student loans side by side.
Model loan repayment
Debt-to-Income Ratio Calculator
Calculate your DTI ratio, and understand how lenders evaluate your ability to take on new debt.
Calculate your DTI
Pay Off Debt vs Invest
Model whether you come out ahead by paying off low interest debt early or investing the difference instead.
Model debt vs invest
Balance Transfer Savings Calculator
See how much a 0% APR balance transfer would save you, including the transfer fee, against your current APR.
Calculate transfer savings
Minimum Payment Trap Calculator
See what happens if you only pay the minimum, the decades it takes, and the full interest cost compared to paying more.
See the trap
BNPL True Cost Calculator
Klarna, Afterpay, Affirm, model the real cost of buy now pay later including late fees, interest, and missed payment impact.
Calculate BNPL cost
Extra Payment Debt Payoff Calculator
See what an extra $50, $100, or $200 per month does to your payoff date and total interest paid.
Model extra payments
Housing & Mortgage
Mortgage vs Rent Calculator
Compare the true long term cost of buying vs renting, accounting for appreciation, equity, opportunity cost, and tax benefits.
Compare buy vs rent
Refinance Break-Even Calculator
Calculate how long it takes to break even on refinancing costs with your new lower rate, and the total 10 year savings.
Calculate break-even
Rental Property Cash Flow
Analyze cap rate, cash on cash return, and monthly cash flow for any potential rental property purchase.
Analyze rental cash flow
Home Affordability Calculator
Find the max home price you can comfortably afford based on income, debt, down payment, and DTI ratios.
Calculate affordability
Extra Mortgage Payment Calculator
See how much faster you pay off your mortgage, and total interest saved, by making one extra payment per year.
Calculate extra payments
Biweekly vs Monthly Mortgage Calculator
Switch to biweekly payments for free, see how one extra payment per year shortens your loan and saves interest.
Compare payment cycles
Rent Increase Impact Calculator
See the real dollar cost of a 5% or 10% rent hike over the length of your lease, and when it makes sense to negotiate or move.
Model rent increase
Subscription & Expense Optimization
Subscription Audit Calculator
Add up every monthly subscription, the total monthly burn and annual drag on your wealth. Spot the ones to cancel today.
Audit subscriptions
Streaming Stack Optimizer
Compare cycling one streaming service at a time against stacking them all, how much you save over a year by rotating.
Optimize your stack
Gym & Fitness Cost Calculator
Calculate your real cost per visit, and compare the gym, ClassPass, home equipment, and outdoor free options.
Calculate cost per visit
Food Delivery True Cost Calculator
DoorDash, Uber Eats, and Grubhub add markup, service fees, delivery fees, and tips. See the real cost vs cooking.
Calculate delivery cost
Coffee & Lunch Leak Calculator
Your daily coffee and lunch habit, annualized and projected over a decade of compounding. The classic wealth leak.
Find the leak
Phone Plan Switch Calculator
Compare big carrier bills against MVNOs like Mint, Visible, and US Mobile. Most people save $600 to $1,200 per year.
Compare phone plans
Cable Cord-Cutting Calculator
Tally your cable bundle against the streaming lineup that replaces it. Real savings, real trade offs, all in one view.
Cut the cord
Car vs Public Transit Calculator
Total cost of ownership for your car, gas, insurance, maintenance, depreciation, vs the transit or rideshare alternative.
Compare transport costs
Credit Card & Cash Back
Credit Card Reward Calculator
Plug in your actual monthly spend by category. See which card gives you the most cash back or points, no guesswork.
Maximize rewards
Annual Fee Break-Even Calculator
Is the $95, $250, or $550 annual fee card worth it for your spend? Calculate the exact break even point.
Calculate break-even
Cash Back vs Travel Points Calculator
2% flat cash back or 3x points on travel? Compare the two approaches based on your real spending and redemption habits.
Cash back vs points
Credit Score Improvement Impact Calculator
What does boosting your credit score 50 or 100 points save you? Model the lifetime impact on mortgage and auto rates.
Calculate score impact
Credit Utilization Optimizer
Which cards should you pay down first to get the biggest credit score boost fastest? Find the optimal payoff order.
Optimize utilization
Insurance Optimization
Auto Insurance Deductible Optimizer
Compare $500, $1,000, and $2,500 deductibles against your premium savings. Find the sweet spot for your situation.
Optimize deductible
Life Insurance Needs Calculator
Calculate exactly how much term life coverage your family actually needs, income replacement, debts, kids, college.
Calculate coverage
HDHP vs PPO Plan Calculator
High deductible plan with HSA, or traditional PPO? Compare your real total cost based on expected medical usage.
Compare health plans
HSA Tax Savings Calculator
See the triple tax advantage of the HSA, federal, state, and FICA savings, plus long term compounding growth.
Calculate HSA value
Umbrella Policy Cost-Benefit Calculator
$200 a year for $1M in extra liability coverage, is it worth it for your net worth? Model the real cost benefit.
Model umbrella policy
Free Download
Get the Predictable Income Starter Bundle
The book summary, the 100+ slide Income Roadmap deck, the Consulting Services Business Examples eBook, and the Income Operator Book Summaries. Everything you need to put the framework to work.
Download Free Bundle →