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Cash & borrowing

Savings & debt

Emergency funds, debt payoff, loans, leases, deposits, and credit cards — any currency, with clear payoff timelines.

Safety net

Emergency Fund Calculator

Months of expenses, target balance, and timeline with optional existing savings.

Months-of-expenses target
Monthly contribution timeline
Optional starting balance
Target balance + months to goalOpen
Debt

Debt Payoff Planner

Snowball vs avalanche strategies with extra payment and multi-debt ordering.

Multiple debts
Snowball or avalanche
Extra monthly payment
Payoff date + interest savedOpen
APR

Credit Card Payoff Calculator

Balance, APR, minimum % or floor, extra payment, and payoff timeline chart.

Minimum payment trap
Fixed extra payment
Total interest
Months to payoffOpen
Borrowing

Lease & Hire Purchase Calculator

Monthly installments, amortization, fees, residual value, and debt-service context in one place.

Monthly payment engine
Amortization schedule
Affordability overlay
Installment + all-in costOpen
Affordability

Loan Affordability Calculator

Income-led affordability analysis with stress-rate testing, debt ratio limits, and down payment impact.

Income-based borrowing capacity
Stress-rate scenario
Down payment impact
Max loan + stress testOpen
Loans

Loan Amortization Calculator

Principal, interest, schedule, extra payments, and refinance break-even estimate.

Monthly payment
Amortization table
Extra principal payments
Payment + total interestOpen
Housing

Mortgage Affordability Calculator

Income-based mortgage capacity with PITI-style costs and stress test.

DTI caps
Tax, insurance, HOA
Stress interest rate
Max price + paymentOpen
Cash Yield

Fixed Deposit Calculator

Compare compounding styles, maturity value, post-tax outcome, and real purchasing-power gain.

Simple or compound interest
Tax-aware maturity view
Real return after inflation
Maturity + real returnOpen
Short-Term Cash

Money Market Calculator

Built for cash parking decisions, short-duration funds, and comparing one cash rate against another.

Daily or monthly compounding
After-tax APY
Compare against an alternative rate
APY + rate spreadOpen

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Growth

Investing & portfolio

Compound growth, DCA vs lump sum, rebalancing, fees, tax-loss concepts, and long-term portfolio math.

Long horizon

Retirement & income

Retirement corpus, withdrawals, annuities, pension-style estimates, and savings goals.

Execution

Markets & trading

Equity cost basis, dividends, position risk, FX, and educational options pricing tools.

Property

Real estate

Rent vs buy, rental yield, and cap-rate style analysis.

Work

Business & freelance

Freelance rates, SaaS metrics, and small-business style planning.

Tools

Utilities & planning

Inflation, FX spreads, CAGR, XIRR, budgets, and a local net worth tracker.

Suggested path

Stability first

Emergency fund and debt payoff before optimizing investment return assumptions.

Suggested path

Wealth building

Compound growth, fee drag, and rebalancing — then pressure-test with retirement withdrawal math.

Suggested path

Markets & property

CSE cost basis and risk tools, or rent vs buy and rental yield when the asset is physical.