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62 labs for trying your own numbers: paychecks, emergency funds, debt, and long-term growth. Free, with no account needed.
22 labs
Cash flow, pay, buffers, and debt: the money you touch every week.
How much of my paycheck do I actually take home?
$5,000 gross becomes $3,392 take-home a month
Where should each dollar of my income go this month?
$5,000 take-home sends $1,000 to savings at 50/30/20
Will my balance cover bills before the next payday?
How much cash should I hold for a bad month, and how long will it take to save?
$3,200 of essentials a month needs $19,200 to cover 6 months
Which order gets me out of debt sooner, and what does an extra $100 change?
Three debts with $200 extra a month clear in 4 yr 2 mo using the avalanche order
What moves my credit score, and by how much?
Which card earns me the most on what I already spend?
$3,000 a month on a 2% cash-back card earns $720 a year
How much more does a better savings rate pay me?
$10,000 at 4.0% instead of 0.05% earns $395 more in year one
How much do I need to save each month to hit my goal on time?
$6,000 in 18 months at 4% takes $324 a month
How much of my credit limit am I using, and what should I pay down first?
$3,300 on $8,000 of limits is 41% utilization
What is a raise worth over the next five years?
A 5% raise on $70,000 adds $17,500 over five years
What do my account fees cost me in a year?
Two common fees cost $216 a year
Which job offer leaves me with more once benefits and tax are counted?
Which repayment plan costs me least, and what is the monthly payment?
$30,000 at 6% over 10 years costs $333 a month on the standard plan
How much should I set aside for each quarterly tax payment?
Which health plan costs me least over a year, and what is its worst case?
An HSA plan at $4,000 of care costs $3,164 a year, against a PPO at $4,800
Should I settle, pay, or dispute a collection, and what does each do to my credit?
A $1,800 offer on a $4,000 collection saves $1,936 after tax on the forgiven part
Will I get a refund or owe tax, and which W-4 line changes it?
$2,500 biweekly with 20 paychecks in leaves $423 owed at filing
What will this car cost me over the years I own it?
Where does my next extra dollar go first?
How should I split a refund, bonus or inheritance?
Does my pay stub add up, and what does each line mean?
21 labs
Growth, retirement, and tax-aware choices: practice before you commit.
What will my savings be worth in 10, 20 or 30 years?
$5,000 plus $200 a month grows to $284,577 in 30 years at 7%
How is my mix of investments spread, and how risky is it?
Will my savings last through retirement?
Which moves lower my tax bill this year?
Is this stock priced fairly, and what is it earning?
Is investing a little each month better than investing all at once?
How much tax can a loss on one investment save me?
Is moving money into a Roth worth the tax bill today?
How much could my portfolio lose in a bad year, and which holdings drive it?
How much will a CD pay, and when can I get my money?
How should I split my money between stocks and bonds?
What do I buy and sell to get back to my target mix?
What would I make or lose on this options trade, and where does it break even?
How much risk can I sit through without selling in a panic?
Which account should my next dollar go into: 401(k), Roth or IRA?
How much can I take out each year without running out?
What shape is this yield curve, and what is the gap between short and long yields?
What is this company worth, and is its stock cheap or dear?
Does the standard or itemized deduction save me more?
What yield does my REIT mix pay, and does FFO cover the dividend?
What is this bond worth at today's yield, and how much does its price fall if rates rise?
19 labs
Housing and fixed income: bigger commitments with clearer numbers.
How much rent can I afford, and what will move-in cost?
$5,000 of monthly income at 30% points to $1,500 a month in rent
How much cash do I need to close on a first home, and what is left after?
A $400,000 home with 10% down needs $57,667 in cash at closing
What will my monthly payment be, and how much interest do I pay in total?
$400,000 home, 20% down, 7% for 30 years costs $2,129 a month, before tax and insurance
Will buying or renting leave me with more money in the end?
What is a bond worth, and what will it pay if I hold it?
How much life insurance does my family need?
Will this rental earn money after every cost?
Is my side hustle paying me for the time and money I put in?
Which rental property earns more for the same costs?
How much income would I need covered if I could not work?
How much extra liability cover do I need on top of my other policies?
How much cover does my home or contents need to be rebuilt?
What yield and rate risk does my bond mix carry?
How much tax will heirs owe on what I leave?
What is my estate worth, and what happens to it?
What would a trust cost, and what would it pay out?
What would my bond ladder cost, and how much cash does it pay each year?
How much of my cash comes back when I refinance, and what does the rental earn on the rest?
Will my business run out of cash while it grows, and in which month?