Can I Afford It?
See how a purchase affects your cash, monthly surplus and financing.
FREE CALCULATORS
Free financial calculators and money tools for smarter decisions.
Use free personal finance tools for budgeting, debt payoff, mortgages, car payments, credit cards, savings, retirement and everyday spending — all in one place.
✓ No signup required✓ Instant results✓ Private in your browser✓ Premium: up to 5 profiles
Money snapshot
Your monthly picture
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Estimated money left after expenses
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MONEY TOOLKIT
Calculators built for real life.
Pick a tool, enter a few numbers, and get a clear estimate.
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Monthly Budget
See what's left after your monthly expenses.
Paycheck Calculator
Estimate take-home pay after taxes, benefits and other paycheck deductions.
Educational estimate. Actual payroll withholding depends on your tax forms, location, employer payroll rules and benefit tax treatment.Overtime Pay
Estimate overtime earnings at 1.5× or another multiplier.
Debt Payoff
Estimate how long your debt could take to pay off.
Credit Card Interest
Estimate monthly interest and balance growth.
Loan Payment
Calculate a monthly installment payment.
Home Loan + Amortization
Estimate your mortgage payment and generate a full month-by-month amortization table.
Car Loan + Amortization
Estimate your car payment and generate a full month-by-month amortization table.
Currency Converter — FREE
Convert currencies using the latest available reference exchange rate.
Uses the latest available reference rate. Actual bank/card exchange rates and fees may differ.Rent vs. Buy
Compare estimated monthly housing costs.
Emergency Fund
See how much you should set aside to cover essential expenses during an unexpected financial emergency.
Compound Interest
Project how savings can grow with compounding.
How Long Will My Money Last?
Estimate how many years your retirement savings could last after you stop working.
401(k) Retirement
Estimate retirement savings growth from contributions.
Interest Buster
See how paying more than your minimum monthly payment can change payoff time and interest.
Debt-to-Income
Calculate monthly debt payments as a share of gross income.
Net Worth
Total your assets and subtract liabilities.
Tip Calculator
Calculate tip, total bill and amount per person.
Discount / Sale
See your sale price, savings and total after tax.
MONEY DECISION CENTER
Tools for the money decisions you make every day.
Quick, focused answers for subscriptions, purchases, financing, debt and savings — without a spreadsheet.
MOST POPULAR
Find the Leak
Enter what you spend each month on recurring subscriptions and how much of that spending you could cancel. MoneyWise shows how those cuts add up monthly, yearly, and over three years.
Spot recurring spending you could cut and see exactly what those small monthly charges add up to over time.
Monthly impactYearly savings3-year impact
Should I Buy This?
A quick purchase check based on your monthly leftover money and savings.
Cash vs. Finance
Compare the total cost of paying cash with financing a purchase.
Debt Payoff
See payoff time and interest, and how extra monthly payments change the result.
Savings Goal
Saving for something specific? See how much you need to save each month to reach your goal by your deadline.
Where Does My Money Go?
Enter your monthly take-home income and major spending categories to see where your income is going and the percentage represented by each category.
PLAN AHEAD
Plan Ahead Money Calendar
Plan for expenses that do not happen every month.
Choose an expense below or type your own, enter the total amount, then choose when you will start setting money aside and the month you need it by. MoneyWise will show how much to set aside each month for that expense.
Choose an expense:
FREE CALCULATOR
Electric vs. Gas Vehicle Monthly Cost
Compare the monthly cost of driving and insuring an electric vehicle versus a gas vehicle.
EV vs. Gas Cost Calculator
Enter the same monthly mileage for both vehicles, then compare electricity or fuel plus insurance.
⚡ Electric Vehicle
⛽ Gas Vehicle
PREMIUM MEMBERSHIP
Track every subscription in one place.
The Subscription Tracker is a members-only tool. Track recurring costs, billing dates, and renewal/cancellation dates.
✓ Monthly & yearly totals✓ Charge dates✓ Renewal / cancellation dates✓ Categories✓ Member-only
Unlock with Premium →Premium membership • $5.99/monthSUBSCRIPTION TRACKER
Your recurring expenses
SUBSCRIPTIONS / MONTH$0.00
YEARLY$0.00
SUBSCRIPTIONS TRACKED0
PREMIUM MEMBERSHIP
Keep every credit card organized.
The Credit Card Tracker is a members-only manual tracker for balances, credit limits, APRs, payment amounts, due dates and statement closing dates — all in one place.
✓ Manual card tracking✓ Balance & credit-limit tracking✓ APR & utilization✓ Due & statement dates✓ Monthly payment planning✓ Multiple cards
Unlock with Premium →Premium membership • $5.99/monthCREDIT CARD TRACKER
Your cards
Add each card below. MoneyWise will total your balances, limits, utilization and planned monthly payments.
TOTAL BALANCE$0.00
TOTAL CREDIT LIMIT$0
UTILIZATION—
PLANNED MONTHLY PAYMENTS$0.00
CREDIT CARDS TRACKED0
Manual tracking keeps you in control — no bank connection is required.
PREMIUM MEMBERSHIP
Keep your monthly bills organized.
Track the regular household bills that are not subscriptions or credit-card payments. See what is due, when it is due, and your total monthly bills at a glance.
✓ Rent / mortgage & utilities✓ Insurance & loan bills✓ Due dates✓ Paid / unpaid status✓ Monthly bill total✓ Included in Monthly Snapshot
Unlock with Premium →Premium membership • $5.99/monthMONTHLY BILLS TRACKER
Your monthly bills
Add recurring household bills here. Keep subscriptions and credit-card payments in their own trackers so your Monthly Snapshot does not double-count them.
MONTHLY BILLS$0.00
UNPAID THIS MONTH$0.00
BILLS TRACKED0
PREMIUM MEMBERSHIP
Your monthly expense snapshot.
This automatically combines your Subscription Tracker, Credit Card Tracker and Monthly Bills Tracker, so you can see your total tracked monthly obligations in one place.
✓ Pulls from Subscription Tracker✓ Pulls from Credit Card Tracker✓ Pulls from Monthly Bills Tracker✓ One combined monthly total✓ Updates automatically
MONTHLY EXPENSES
Premium expense summary
SUBSCRIPTIONS$0.00
CREDIT CARDS$0.00
MONTHLY BILLS$0.00
TOTAL MONTHLY OBLIGATIONS$0.00
Subscriptions are converted to a monthly amount based on billing frequency. Credit-card amounts come from planned monthly payments. Monthly bills are added from the Monthly Bills Tracker. Keep each expense in only one tracker to avoid double-counting.
PREMIUM MEMBERSHIP
Track your net worth over time.
Build a complete picture of what you own and owe. Your Credit Card Tracker balance is included automatically, and saved snapshots let you see your progress over time.
✓ Assets & liabilities✓ Credit cards included automatically✓ Saved snapshots✓ Net worth history✓ Edit & delete entries✓ Print / Save PDF
Unlock with Premium →Premium membership • $5.99/monthNET WORTH TRACKER
Your financial picture
Add assets and liabilities below. Credit-card balances from your Credit Card Tracker are included automatically.
TOTAL ASSETS$0.00
TOTAL LIABILITIES$0.00
NET WORTH$0.00
CHANGE SINCE LAST SNAPSHOT—
Assets
Liabilities
NET WORTH HISTORY
Saved snapshots
Save your first snapshot to start your history.
PREMIUM TOOL
Lease vs. Finance Calculator
Compare the real cost of leasing versus financing the same vehicle — not just the monthly payment.
🚗 Compare both pathsSee estimated monthly payments and total cash paid.Include lease residual value, fees and excess-mile charges.See estimated loan balance and vehicle equity after the same comparison period.
Unlock with Premium →Premium membership • $5.99/monthVehicle & Comparison
Enter the vehicle price and how long you want to compare the two options.
Finance
Enter the loan terms for purchasing the vehicle.
Lease
Use the figures from the lease offer. Enter either the money factor or its APR equivalent.
PREMIUM TOOL
Balance Transfer Calculator
See whether moving a credit-card balance to a promotional balance-transfer offer could save you money after the transfer fee and promotional period are included.
💡 Compare the real costCompare keeping your current card with transferring the balance.See the monthly payment needed to pay the transfer off before the promotional rate ends.Know if a remaining balance could start accruing interest after the promotion.
Unlock with Premium →Premium membership • $5.99/monthBalance Transfer Comparison
Enter your current card and the balance-transfer offer below.
Enter your balance-transfer offer to compare the costs.
PREMIUM TOOL
Debt Snowball vs. Avalanche
Paying off multiple accounts? Add your credit cards, loans, and other debts to compare Snowball vs. Avalanche payoff strategies and build a plan for tackling them all.
💡 Two Proven StrategiesSnowball: pay off the smallest balance first for quick wins.Avalanche: pay off the highest interest rate first to reduce interest.Compare both and choose the approach that fits your goals.
Unlock with Premium →Premium membership • $5.99/monthTOTAL DEBT$0.00
TOTAL MINIMUM PAYMENTS$0.00/ month
EXTRA DEBT MONEY$0.00/ month
TOTAL MONTHLY DEBT BUDGET$0.00Minimums + Extra
➕ Add a New Debt
Enter each debt below. Then click “Add Debt” to include it in your plan.
Common debt types:
☷ Your Debts
Review, edit, or delete your debts below.
📊 Ready to see your payoff plan?Add at least one debt above, then calculate your Snowball vs. Avalanche results.
Add at least one debt to build your payoff plan.
MONEYWISE TOOLS
Clear numbers. Better decisions.
Use MoneyWise Tools for estimates and educational planning. Results are not financial, tax, legal or investment advice.