Free tools

Calculators you can check

No account and no email needed. Each tool shows the formula it uses, so you can see where the answer comes from and change the assumptions.

Plan for independence

How long until your investments can carry you, and what changes the answer.

When could your investments pay your bills?

When you could stop saving for retirement

Your savings rate and years to independence

What your money will be worth in the years ahead

Cash for the unexpected, and a plan for what you owe.

How much cash to keep, and how long it takes

Avalanche or snowball, and your debt-free date

A quick look at your budget, your mix of assets and your habits.

Split your income with the 50/30/20 rule

Your mix next to a simple guide for your age

Six questions on your money habits, with a score

worthtracker keeps your net worth, monthly history, goals and savings rate in one place. You type the numbers; there are no bank connections.