Personal Finance
Rule of 72, hourly wage converter, latte factor, debt snowball vs avalanche, net worth milestones, HYSA compounder, and invoice generator for everyday financial decisions.
Rule of 72 / 114 / 144
Doubling, tripling, and quadrupling time for any interest rate.
Hourly Wage Converter
Convert purchase prices into hours of work and opportunity cost.
Latte Factor Calculator
Long term cost of recurring expenses vs investing instead.
Invoice Generator
Create and download professional invoices with automatic calculations.
Net Worth Milestone Tracker
Timeline and velocity to reach any net worth goal.
HYSA Compounder
After tax savings interest with monthly, yearly, and 5 year projections.
Debt Snowball vs Avalanche
Compare payoff strategies: smallest balance first vs highest rate first.
Tiered Emergency Fund
Runway at essential, reduced, and full spending levels.
Emergency Fund Burn Rate
Compare runway across essential, frugal, and normal tiers.
Cashflow Sankey
Map income to expenses with a proportional flow diagram.
Required Return Goal
Solve rate needed to reach a savings goal with contributions.
Grocery Unit Price Comparator
Compare package prices across compatible units.
Salary to Hourly Rate Calculator
Convert your annual salary into an hourly rate. See your baseline pay, your total compensation hourly rate with benefits and bonuses, and your true effective hourly rate once commute time, overtime, and after-hours work are factored in.
Freelance Day Rate Calculator
Free freelance day rate calculator. Find your minimum and recommended day rate based on your target income, business expenses, tax rate, and realistic billable days per year.
Subscription ROI Calculator
Free subscription ROI calculator. Enter the monthly cost of any subscription plus the time it saves you or the value it generates, and instantly see the effective hourly cost, annual return on investment, break-even point, and opportunity cost of every recurring charge on your card.
Savings Goal Planner
Free savings goal calculator. Enter your target amount, current balance, monthly contribution, and interest rate to see exactly how many months it takes to reach your goal, plus whether you are on track for a deadline.
Travel Cost Per Day Calculator
Free travel budget calculator. Break down flights, hotels, food, transport, and activities into a true cost-per-day figure, then compare multiple destinations side by side to find the best value trip.