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New: Guided calculator workflows

Calculator Flow

Instead of using one calculator at a time, follow a guided flow and get one actionable plan.

Home Buying Flow

Plan affordability, monthly payment, and long-term cash flow before making an offer.

Get a safe budget range and monthly payment target.

  1. Estimate monthly take-home and fixed expenses
  2. Check affordable home price and down payment target
  3. Simulate mortgage payment and amortization
  4. Stress-test payment for higher interest rates
Open Home Buying Flow

Debt Freedom Flow

Combine debt payoff strategy with EMI planning to lock a realistic debt-free date.

Get a payoff timeline and monthly action plan.

  1. List all debts with balance, APR, and minimum payments
  2. Compare avalanche and snowball strategies
  3. Add extra monthly payment and see payoff acceleration
  4. Validate against monthly budget for consistency
Open Debt Freedom Flow

Salary Growth Flow

Understand how gross income translates to net salary, savings, and wealth growth over time.

Get a 12-month savings roadmap from your net income.

  1. Calculate take-home pay for your country or state
  2. Set monthly savings rate and emergency fund target
  3. Project compounding with expected annual returns
  4. Track gap to your savings goal and adjust monthly plan
Open Salary Growth Flow

Emergency Fund Flow

Build a practical cash runway for layoffs, medical events, and surprise expenses.

Get your 3-month and 6-month safety targets with timeline.

  1. Estimate essential monthly living expenses
  2. Define your current emergency savings balance
  3. Set realistic monthly contribution and APY
  4. Project time to 3-month and 6-month runway
Open Emergency Fund Flow

Job Loss Survival Flow

Plan your cash runway and prioritize cuts if income suddenly stops.

Get a survival runway plan with immediate expense-cut targets.

  1. Capture emergency savings and severance buffer
  2. Separate essential and discretionary monthly costs
  3. Account for unemployment benefits and debt minimums
  4. Estimate current runway and optimized runway after cuts
Open Job Loss Survival Flow

Rent vs Buy Flow

Compare renting versus buying based on your real monthly numbers and timeline.

Get a monthly cost gap and break-even view before committing.

  1. Enter current monthly rent and expected years in home
  2. Estimate buy scenario: price, down payment, mortgage rate
  3. Add taxes, insurance, maintenance and ownership costs
  4. Compare monthly gap and break-even timeline
Open Rent vs Buy Flow

Freelancer Stability Flow

Set a defensible hourly rate and cash buffer target for irregular freelance income.

Get required rate, monthly gross target, and runway safety check.

  1. Set target monthly take-home and billable hours
  2. Reserve tax and include operating overhead
  3. Compute required gross revenue and hourly rate
  4. Check current cash buffer in months of runway
Open Freelancer Stability Flow

Weight Loss Planning Flow

Build a sustainable fat-loss plan from your BMI, calorie burn, and target timeline.

Get daily calorie target, deficit, and realistic weeks-to-goal.

  1. Capture current stats: weight, height, age, sex
  2. Estimate maintenance calories from activity level
  3. Set target weight and weekly pace of loss
  4. Compute daily calories and projected timeline
Open Weight Loss Planning Flow

Retirement Path Flow

Estimate retirement readiness from portfolio growth and safe withdrawal assumptions.

Get projected retirement income and contribution gap analysis.

  1. Set current age, retirement age, and current portfolio
  2. Add monthly investments and expected return
  3. Apply safe withdrawal rate assumptions
  4. Compare projected income versus annual spending target
Open Retirement Path Flow

Student Loan Payoff Flow

Compare standard payoff with extra payments and income-driven repayment to lock the cheapest path.

Get payoff timeline, total interest, and IDR comparison.

  1. Enter loan balance and weighted APR
  2. Set standard monthly payment and any extra you can add
  3. Add discretionary income for IDR comparison
  4. Compare payoff timeline, interest, and IDR monthly payment
Open Student Loan Payoff Flow

Car Affordability Flow

Find the safe car price using the 10/15/36 rule from your real take-home pay and existing debts.

Get a safe monthly car payment and maximum car price.

  1. Enter monthly take-home and existing debt payments
  2. Set down payment, trade-in value, and insurance estimate
  3. Pick interest rate and term (target 60 months or less)
  4. Get safe monthly payment and maximum car price
Open Car Affordability Flow

Refinance Breakeven Flow

Decide if a mortgage refinance pays off by comparing monthly savings against closing costs.

Get monthly savings, break-even months, and lifetime interest impact.

  1. Enter current loan balance, rate, and months remaining
  2. Enter the new rate, new term, and closing costs
  3. Compare current vs new monthly payment
  4. See break-even months and lifetime interest saved
Open Refinance Breakeven Flow