Growth hub · Money

Free Money Milestone & Runway Planners

Emergency fund, multi-goal savings, subscriptions, FIRE, and freelance true-rate planners — free tools for cashflow clarity.

Prefer a guided path? Money runway workflow →

1. 1Emergency Fund & Runway PlannerEmergency fund planner with a life-shock simulator: job loss, medical bill, rent hike, or partner income gone.
2. 2Roth Conversion Tax CalculatorEstimate the extra 2026 federal tax from a Roth conversion and how much room is left in your current bracket. State tax is not included.
3. 3Social Security Claiming Age CalculatorTurn your SSA statement FRA benefit into a monthly check at 62, FRA, or 70 using official early-reduction and delayed-retirement credits.
4. 4RSU Vest Tax CalculatorEstimate federal tax when RSUs vest and compare it to the 22% supplemental withholding most brokers take.
5. 5Layoff Runway and COBRA CalculatorWalk cash, severance, unemployment, and COBRA month by month to see how long essentials stay covered after a job loss.
6. 6Medicare IRMAA CalculatorLook up 2026 Part B and Part D IRMAA from MAGI (usually the return from two years prior) and see what a Roth conversion would do to the premium.
7. 7Childcare vs Second Income CalculatorSee what a second paycheck keeps after 2026 federal tax, daycare, and work friction versus staying home.
8. 8Income-Driven Student Loan CalculatorEstimate an IBR/PAYE-style payment from AGI, household size, and a discretionary-income percent. Capped by a 10-year standard payment if you enter the balance.
9. 9BNPL Payoff CalculatorSplit an Affirm, Klarna, or Afterpay balance into installments and see the finance charge if the plan is not 0% APR.
10. 10Multi-Goal Savings PlannerMulti-goal savings timeline with a sequential vs split funding optimizer that recommends the fastest path to hit all deadlines.
11. 11Subscription Runway AuditSubscription and fixed-cost audit with a runway extension meter — pause items and see months of emergency runway gained.
12. 12Financial Freedom & Property PlannerFIRE calculator with rental property: model salary, side income, expense inflation, investment returns, rental acquisitions, and net worth milestones to your financial independence date.
13. 13FIRE Early Retirement CalculatorEstimate when you can reach financial independence using savings rate and withdrawal assumptions. Plan your FIRE number with clarity.
14. 14Compound Interest CalculatorProject investment growth with compound interest, regular contributions, and a coasting phase with zero new deposits. Visualize how time and rate multiply wealth after you stop contributing.
15. 15Freelance True-Rate PlannerFreelance true-rate planner with a fee waterfall (platform → processor → FX → tax → non-billable) and reverse invoice math.
16. 16Wedding Budget Cashflow PlannerWedding budget line-item planner with a deposit milestone cashflow calendar against your savings balance.
17. 17Baby First-Year Cost PlannerBaby first-year cost planner with a parental leave income bridge into childcare start — finds the tightest cash month.
18. 18Keep vs Lease vs Buy Car TCOThree-way car TCO planner: keep current vs lease vs buy — year-by-year matrix highlighting the cheapest option.
19. 19When Can I Retire?Plug in your age, savings, monthly investing, and the income you actually want later. The date that comes back is the first year the 4% rule (or your own withdrawal rate) covers that income—not a promise from a brochure.
20. 20How Much Money Do I Need to Retire?Start from the yearly spend you could live on, pick a withdrawal rate, and get the pile you need on day one of retirement. No age, no salary story—just the target.
21. 21How Long Will My Money Last?You already have a pile of cash or investments and a yearly spend. This walks that balance forward, growing it at your assumed return and raising spend with inflation, until the account hits zero.

Also explore Life questions, Fitness planners, Unit converters or all tools.