— The Tools
Calculators that tell the truth, not the sales pitch.
Ten free tools for the numbers behind your money. No email wall, no dark patterns. Just the math, with sources cited.
— Inflation & purchasing power
What your money was worth then, and what it's worth now.
— Rates, debt, and savings
How Fed policy reaches your mortgage, credit card, and savings account.
- Housing
Mortgage Calculator
Payment, total interest, and the lifetime cost of a 1% rate move.
- Fed policy
Fed Rate Impact
How a 25 bp move reshapes every debt you carry.
- Yield
Savings Rate Tracker
How your bank's savings APY stacks up against the 3-month T-bill and FDIC national average.
- Reference
Economic Calendar
Every Fed meeting, CPI, jobs, and GDP print — with a live countdown.
- Labor
Jobs Report Tracker
Countdown to the next nonfarm payrolls release plus the last twelve reports.
— Long-horizon planning
Retirement math, downturn scenarios, and deposit-insurance stacking.