Financial planning calculators

Choose a calculator for everyday money decisions, investing or financial independence. No account is needed, and submitted inputs are not saved.

• Rule of 72 — get an approximate time to double at a steady return.
• Net-worth benchmark — compare with the Millionaire Next Door shortcut.
• 50/30/20 budget — give your after-tax income a simple plan.
• Emergency fund — plan a cash buffer for life’s surprises.
• Wealth ladder — explore wealth bands and the 0.01% spending / 1% earning thresholds.
• Financial runway — see how long available savings could cover a drop in income.
• Investment growth — explore deposits, growth and rising prices.
• Age-based allocation — compare the Rules of 100, 110 and 120 together.
• FIRE number — estimate an investment target for making work optional.
• Withdrawal-rate scenarios — compare yearly spending assumptions.
• Coast FIRE — explore reaching a future target without adding more money.
• FIRE date — explore when you could reach that target.

Every result explains its assumptions and limits. Rules of thumb are starting points, not personal recommendations or guaranteed outcomes.