Calculators

Five tools. Every formula shown.

Built on the same math as the posts. Free, no sign-up, nothing leaves your browser.

  1. 01

    Paycheck budget

    How much of each paycheck goes to bills?

    $1,200 rent → $553.85 biweekly

    monthly × 12 ÷ paychecks per year

    ReadBiweekly Paycheck BudgetThree-Paycheck MonthsSplitting Bills by Income

  2. 02

    Take-home pay

    What actually lands in my account?

    $18/h → ≈ $1,241 biweekly

    gross − federal − FICA − state

    Read$50K Salary After Taxes (2026)$18 an Hour Take-Home Pay per Paycheck (2026)

  3. 03

    Snowball vs avalanche

    Which payoff order costs less?

    $8,000 → avalanche saves $467

    same budget, different target

    ReadDebt Snowball vs Avalanche

  4. 04

    Sinking fund

    How much per paycheck for a goal?

    $600 ÷ 4 paydays = $150

    (goal − saved) ÷ paydays left

    ReadSinking Funds30-Day No-Spend Challenge

  5. 05

    Minimum payment

    How long does the minimum take?

    $5,000 at 24% → ≈ 19.5 years

    interest = balance × APR ÷ 12

    ReadCredit Card Minimum PaymentDeferred Interest Explained

Educational content, not financial advice. Results are estimates.