Big decisions.
Clear numbers.
A home, a car, a little more set aside. Explore the numbers behind your next move with free calculators that show the costs, the assumptions, and the possibilities.
Example only, not an offered rate. Constant 4% APY; deposits at month-end; no withdrawals, taxes, or fees. Change the assumptions in the full calculator.
Make it your savings planStart with a question.
Leave with a plan.
Explore an estimate, change an assumption, and see what moves. Every tool explains the limits of its result.
Mortgage
See the monthly cost beyond principal and interest. Include taxes, insurance, HOA, and extra payments.
Payment + amortization ↗Auto loan
Unpack the dealer's numbers: price, sales tax, fees, trade equity, and the true amount financed.
Itemized loan comparison ↗Savings goal
Work backward from your goal. Find the monthly deposit needed and see your progress year by year.
Target + monthly deposit ↗Investment
Compare a range of outcomes. Make fees, inflation, and changing contributions part of the picture.
Scenarios, not predictions ↗A home is more than a monthly payment.
Work through four different questions before making one big decision. Carry your own figures between the tools; each measures a different part of the purchase.
Explore the complete toolkitWhat will it cost each month?
Separate the loan payment from tax, insurance, HOA, and mortgage insurance.
Does it fit the life you want?
Protect essentials, debt payments, savings, and a buffer in your household cash flow.
What cash do you need upfront?
Reconcile the down payment, closing estimate, prepaids, moving costs, and credits.
What if you keep renting?
Compare net housing costs over your expected stay, including the cost of selling.
A useful number starts
with a better question.
Short, practical workbooks for the parts a calculator cannot decide for you.
How much of a buffer feels like enough?
Build an emergency-fund target from essential spending, income stability, and household risk.
Work out your target 02 / Saving consistentlyThe small details behind compound interest.
Follow worked calculations for APY, monthly rates, and the timing of each deposit.
Explore the examples 03 / Planning with uncertaintyA range is more honest than a forecast.
Separate nominal returns, inflation, and fees before relying on a long-term projection.
Choose your assumptionsKnow where your numbers come from.
I'm Bojan, a Production Technician and independent web developer. I build these tools around reproducible calculations and visible assumptions. I am not a licensed financial adviser.
- Inspect the methodFormulas, test cases, rounding rules, and known limitations are documented publicly.
- Keep control of your inputsCalculations run in your browser. No account or bank connection is required.
- Help make a correctionFound a mismatch? Send the inputs and expected result so it can be reproduced.
Three questions. Reproducible answers.
Original scenario studies with transparent inputs, generated calculation tables and examples you can open in the tools. These are educational cases, not forecasts or customer stories.
When the housing answer reverses
Compare cash cost with equal-budget investing and follow each year of one reproducible housing case.
Reproduce the analysis ↗ Original / Calculation studyA lower payment can cost more
Separate the effects of rate, fees and repayment term in two independent written-offer scenarios.
Reproduce the analysis ↗ Original / Calculation studyDeposit or interest rate?
Separate additional contributions from extra interest in a controlled ten-year savings experiment.
Reproduce the analysis ↗New: calculate your emergency reserve and funding timeline · Compare two complete car-loan offers