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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.

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.

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.

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