Free Financial Tools
Everything you need to understand your finances and make smarter money decisions
Calculators
Financial Genome Engine
NEWGet your 4 proprietary financial scores: Purchasing Power Index, Financial Pressure Index, Liquidity Resilience Score, and Risk Expansion Window. Shareable results.
Decision Simulator
NEWSee how buying a car, buying a house, taking a loan, changing jobs, or a major expense impacts your Genome scores before you commit. 12-month projection included.
Income Calculator
PopularCalculate your projected annual income from year-to-date earnings
- YTD to annual projection
- Daily, weekly, monthly breakdown
- Max rent & car payment (30%/12% rules)
Budget Planner
Create a personalized budget using the 50/30/20 rule
- 50% Needs allocation
- 30% Wants allocation
- 20% Savings allocation
Housing Calculator
Calculate mortgage payments and housing affordability
- PITI breakdown
- 28/36 rule analysis
- Down payment calculator
Auto Loan Calculator
Calculate car payments and find what you can afford
- 12% rule affordability
- Monthly payment calculator
- Total cost of ownership
Gig Calculator
Calculate income for freelancers and gig workers
- Multiple platform income
- Self-employment tax estimate
- Net income projection
Income Streams
Track and manage multiple sources of income
- Multiple income sources
- Total income visualization
- Income breakdown by source
More Tools
Hourly to Salary
Convert any hourly wage to annual pay
Salary to Hourly
Convert annual salary to hourly rate
Rent vs. Buy
Compare renting vs buying over time
Inflation Calculator
See how inflation erodes your money
Money Personality Quiz
Discover your financial personality type
Salary Budget Guides
What you can afford on any salary
Why Choose Our Tools?
100% Free
No hidden fees, no premium tiers. All features are completely free.
No Signup
Start using tools instantly. No email, no account, no hassle.
Instant Results
Get your calculations immediately. No waiting, no loading.
Mobile Friendly
Works perfectly on any device. Calculate on the go.
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Educational Resources
Ready to Take Control of Your Finances?
Start with our most popular tool - the Income Calculator - and discover what you can truly afford.
Start Calculating