The economics of your money,
in 41+ calculators.
Free. Transparent. Region-aware for Kenya, Nigeria, South Africa, the UK, and the US. Built for the kind of decisions that actually matter — buying a home, comparing offers, picking a bond, sizing a position, understanding what your country charges you.
41
Live tools
6
Categories
6
Regions
Free
Cost
Personal Money
Decisions you make in a year.
Region-aware
Loan Payoff
Build an amortization schedule, see how extra payments cut years and interest off any loan.
Universal
Rent vs Buy
Compare housing flexibility, ownership costs, and long-run net worth — with realistic transaction costs and an investment alternative.
Universal
Job Offer
Adjust two offers for tax, cost of living, commute, and layoff risk to see which one is actually worth more.
Universal
M-Pesa Fees
Send money, withdraw at an agent, or pay a bill on M-Pesa — see the exact fee, the net the recipient actually keeps, and which tariff band you fell into.
Universal
Debt Payoff
Sequence multiple debts the smart way — see what avalanche (highest rate first) actually saves over snowball (smallest first).
Universal
SACCO Loan
Reducing-balance SACCO loan: deposit-multiple eligibility, monthly instalment, total interest, and the full amortisation schedule.
Universal
Savings Goal
Target amount, deadline, expected return — what you need to save monthly, and what shifting either lever costs.
Universal
Emergency Fund
How many months of essential burn you should hold — and how long it'll take to get there at your savings rate.
Universal
Credit Card Payoff
How long to clear a credit-card balance at a given monthly payment — and how much extra would save in interest.
Universal
Auto Loan
Monthly car payment, total interest paid, and the depreciation curve — see whether the deal is good once you actually own the car.
Universal
50/30/20 Budget
Split take-home pay into needs, wants, and savings — the rule that survives every income level.
Universal
Refinance
Closing costs vs monthly savings — how many months until refinancing pays for itself.
Wealth & Retirement
Decisions that play out over decades.
Universal
Compound Interest
The most important chart in personal finance — how monthly contributions and time turn small money into real money.
Universal
FIRE
Financial Independence Retire Early. When can you stop saving (Coast FIRE) and when can you stop working (Full FIRE)?
Universal
Retirement Survival
Stress test whether your portfolio can support your spending plan with inflation eating real returns each year.
Universal
Employer Match
Compute the exact contribution rate that captures every cent of employer match — for 401(k), pension top-ups, and group provident schemes. Walk away from a 50% match on day one is one of the few free lunches in finance.
Universal
Roth vs Traditional
Compare the after-tax retirement outcome from pre-tax (Traditional / RRSP / Salary-Sacrifice) versus after-tax (Roth / ISA / Tax-Free Savings) contributions — under different tax-rate trajectories.
Region-aware
Inflation
What today's money is worth in 5, 10, 30 years — and what you need to save to keep your spending power flat.
Universal
Net Worth
Add your assets and liabilities. Get a snapshot, a debt-to-asset ratio, and the asset breakdown that matters.
Universal
College vs Retirement
Move one slider to see how a single household budget funds two competing goals at the same time.
Universal
Asset Allocation
How much equity vs bonds for your age, risk tolerance, and horizon. Three classic glide paths side-by-side.
Investing
Pricing risk, sizing positions, picking yield.
Universal
DCF
Discounted cash flow with terminal value, WACC, and a sensitivity table — the model every banker builds in their first month.
Universal
DCA vs Lump Sum
Should you invest a windfall today or spread it out? Monte Carlo across thousands of return paths to compare strategies.
Universal
Cap Rate
Underwrite a rental property — net operating income, cap rate, cash-on-cash return, debt service coverage.
Region-aware
Bond YTM
Yield to maturity, current yield, duration, and price sensitivity for any fixed-coupon bond.
Universal
Position Sizer
How much of the portfolio belongs in one trade — fixed-fractional, fixed-risk, and Kelly-lite, side by side.
Universal
CAPM
Capital Asset Pricing Model — risk-free rate, equity premium, beta. The textbook required-return formula and what it tells you.
Universal
Stock P/L
Cost basis, current value, unrealized gain/loss, and after-tax P/L for any equity position — long or short.
Universal
Sharpe Ratio
Risk-adjusted return metrics — Sharpe (total volatility) and Sortino (downside-only). The single number every fund quotes.
Universal
Tax-Loss Harvesting
Realize losses to offset gains — see the after-tax savings and how much you can recover before the wash-sale rule kicks in.
Business & SME
Run the numbers behind the company.
Universal
Financial Statements
Paste, type, or upload transactions and auto-generate an Income Statement, Cash Flow Statement, and Balance Sheet — exportable to PDF. Built for founders, bookkeepers, students, and lenders preparing a statement pack.
Universal
Cash Runway
How many months until you hit zero — with sensitivity to revenue ramp and burn changes.
Universal
Break-Even
Fixed costs, variable cost per unit, price — how many units you need to ship before profit kicks in.
Universal
Pricing & Margin
Cost, markup, margin, and target price — the four numbers that confuse half of business owners.
Universal
LTV : CAC
Customer lifetime value, acquisition cost, payback period, LTV-to-CAC ratio. The B2B SaaS health check.
Tax
What you actually keep.
Region-aware
Income Tax
Progressive-bracket income tax with reliefs and standard deductions. Region-aware: Kenya PAYE, Nigeria PIT, SA SARS, UK PAYE, US federal, or Generic.
Region-aware
Take-Home Pay
Gross to net — income tax + social security (NSSF/SHIF, NI, FICA, UIF, RSA) on a single payslip view.
Region-aware
VAT / Sales Tax
Convert net to gross, gross to net, and back out the tax slice for any standard rate.
Region-aware
Capital Gains
Short-term vs long-term gain, region-aware rate, and the actual cheque you write.
Macro & Analyst
Country-level numbers, transparently.
Universal
FX Converter
Convert between currencies, see the implied forward, and read the carry — covered interest parity made tangible.
Universal
Debt Sustainability
The debt-dynamics equation everyone quotes and few simulate. Move growth, real rate, and primary balance — see the path stabilize, fall, or explode.
Method
Built like the work, not the marketing.
Transparent inputs
Every number is built from inputs you control. We do not hide the assumptions behind a polished result.
Region-aware where it matters
Tax, social-security, and customary rates default to the right number for your country — and are still editable.
Sensitivity, not certainty
Each tool shows the shape of the answer as inputs move. The point is judgment, not a single number.