Calculators

Three money calculators that run in your browser

No sign-up. No account connection. Change the assumptions, inspect the result, and download your scenario. Every result is a hypothetical estimate; the assumptions are listed under each calculator.

Loan cost beyond the monthly payment

Runs locally

Your assumptions

Loan principal ($)Note interest rate (%)Term (months)Withheld fee (%)

Enter your assumptions to explore this scenario. Enable JavaScript to calculate.

Hypothetical fixed-rate loan with equal monthly payments. Enter note interest, not fee-inclusive APR. Origination fee is withheld from proceeds. No late fees, extra payments or daily-interest adjustments.

Inspect the calculation and schedule

Read the worked example: Loan fees and net proceeds →

Hypothetical savings growth

Runs locally

Your assumptions

Starting balance ($)Monthly deposit ($)Assumed APY (%)Years

Enter your assumptions to explore this scenario. Enable JavaScript to calculate.

Hypothetical, constant APY. Monthly compounding equivalent to APY, deposits at month end. No tax, fees, withdrawals or inflation. Not a bank rate or guaranteed return.

Inspect the calculation and schedule

Read the worked example: Account costs and conditions →

Card rewards after the annual fee

Runs locally

Your assumptions

Monthly eligible spend ($)Card reward rate (%)Annual card fee ($)No-fee card reward rate (%)

Enter your assumptions to explore this scenario. Enable JavaScript to calculate.

Hypothetical flat cash-back rates. Assumes eligible spending and payment in full; excludes interest, bonuses, caps, taxes and noncash benefits. Do not spend more to reach break-even.

Inspect the calculation and schedule

Read the worked example: Cash-back break-even →