Financial Tools for new age

Take Control of Your Financial Future

Stop scrolling FinTok. Start using real calculators. Free tools to help you make smarter money decisions.

16
Tools
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Pick Your Tool

Choose the financial tool that fits what you're trying to figure out right now

Mortgage

A REAL Mortgage Breakdown

See how much your mortgage will ACTUALLY cost you.

Essential
FIRE

Coast FIRE

Calculate when you can stop saving and let your investments compound to retirement.

Popular
RETIRE

Retirement

Get the full picture of your retirement plan.

Essential
BUDGET

Budget Analysis

Iron out your budget and get a score on its progress.

Essential
HEALTH

Financial Health Check

Get a checkup on your current financial situation.

Popular
STOCKS

Learn Stocks

Learn how stocks and the stock market operates so you can take advantage.

Advanced
HOME

Rent vs Buy

Compare the true costs of renting versus buying a home over time.

Essential
HOUSING

Can I Afford This House?

See if you can ACTUALLY afford a new place to live.

Essential
COMP

Compound Interest

See how your investments will grow over time with compound returns.

Beginner
DRIP

Divident Reinvestment

See how your investments will grow over with power of DRIP (Divident Reinvestment Plan).

Beginner
DEBT

Debt Payoff

Compare avalanche vs snowball methods and create a payoff plan.

Essential
OPT

Options Wheel

Master the covered call and cash-secured put strategy with interactive modeling tools.

Advanced
CARS

New vs Used Car

See the drastic differences between buying new vs used.

Popular
KIDS

Set Up Kids Future

Get insight into what accounts to fund for your kid.

Popular
401(k) Loan

401(k) Loan vs Withdrawal

Find out the implications of taking out a 401(k) loan vs withdrawing early.

Popular
TAXES

Federal Tax Bracket

See a breakdown of your salary and what taxes get paid in each bracket.

Popular

Why MoneyByMath?

We're tired of finance gatekeepers and overpriced "gurus." So we built something better.

No BS, Just Tools

Skip the finance-bro jargon and thousand-word blog posts. Get straight to calculating what actually matters for your money.

Actually Free

No hidden fees, no email gates, no "upgrade to premium" BS. Just genuinely useful financial tools that don't ask for your credit card.

Built for Speed

Quick calculations, clean interfaces, no unnecessary friction. Get your answer in seconds and move on with your life.

Real Math

Every calculator uses actual financial formulas, not estimates. Trust the numbers, make better decisions.

Works Everywhere

Phone, tablet, laptop-doesn't matter. No apps to download, no accounts to create. Just open and calculate.

Your Inputs Stays Yours

We don't track or sell your input data. All calculations and storage happen in your browser. Period.