DollarShuffle
Today's rates
  • 30Y fixed7.24%
  • 15Y fixed6.60%
  • CPI YoY3.74%
  • Fed funds3.88%
  • 10Y Treasury4.94%
  • 60M new auto7.54%
As of Oct 29, 2026

24 free calculators

Calculators for the money decisions you actually make.

Every input adjustable. Every output shown in full: schedules, charts, and the formula behind them. Compare scenarios side by side or bring your own numbers in by CSV.

Coverage
United States, all 50 states
Tax year
2026
Market data
Refreshed weekly from public sources
Account needed
None. Scenarios save to a link.

New: our flagship planner

Life Trajectory

Forecast your net worth for the rest of your life. Every account, home, business and debt, plus college, a first home, marriage, children, divorce and retirement, with real federal and state taxes each year. See when you reach financial independence and which choices matter most.

Map your trajectory

Housing

4 tools
  1. 01MortgageWhat will the house cost me every month, and over the life of the loan?PITI, PMI end date, amortization
  2. 07AmortizationWhere does each payment go, month by month?Full schedule, extra payment savings
  3. 13Home affordabilityHow much house can I responsibly buy?Max price, DTI ratios, cash to close
  4. 16RefinanceDoes refinancing pay off, and when?Break-even month, lifetime savings

Pay & tax

6 tools
  1. 02PaycheckWhat actually lands in my account each pay period?Net pay, withholding, FICA, state tax
  2. 08Income taxWill I owe or get a refund this year?Federal and state liability, refund
  3. 11SalaryWhat is this rate worth per hour, week, or year?Pay conversions, net equivalents
  4. 21RSUWhat will my vesting stock really net, and will I owe at tax time?Vest schedule, withholding, tax gap
  5. 22ESPPWhat is my employee stock purchase worth, and when should I sell?Purchase price, discount gain, sale tax
  6. 23Stock optionsWhat will exercising my ISOs or NSOs cost in tax, and will I owe AMT?Exercise tax, AMT, AMT-free shares

Borrowing & debt

5 tools
  1. 03LoanWhat does this loan cost, and how fast can I clear it?Payment, total interest, payoff schedule
  2. 05Auto loanWhat is the real monthly cost of this car?Payment, taxes and fees, trade-in effect
  3. 12InterestHow much interest does this amount earn or cost?Simple and compound interest
  4. 17Credit card payoffHow long until this card is paid off?Payoff date, interest at each payment level
  5. 18Debt payoffSnowball or avalanche: which clears my debts first?Strategy comparison, debt-free date

Saving & investing

5 tools
  1. 04Compound interestWhat does steady saving grow into?Future value, contributions vs growth
  2. 06InflationWhat is a dollar from then worth now?CPI-adjusted value, cumulative rate
  3. 14InvestmentWhat return do I need to reach my target?End balance, required rate, timeline
  4. 15Savings & CDWhich account or CD term earns the most?APY growth, ladder comparison
  5. 19Savings bondWhat are my US savings bonds worth today?Redemption value, interest earned

Retirement & planning

4 tools
  1. 09RetirementAm I on track, and how long will it last?Projected balance, drawdown, shortfall
  2. 10401(k)What do contributions and the match add up to?Balance at retirement, match value
  3. 20BudgetWhere should each dollar of income go?Category split, surplus or gap
  4. 24Life TrajectoryWhere is my net worth headed, and what changes it most?Net worth by year, milestones, life event effects