Money tools

Run the numbers before you decide.

Savings, a small business, a debt, a job offer. Change any number and the answer updates.

Compound interest

What steady saving grows into. Monthly compounding; the rate is a guess about the future, so try a lower one too.

Starting amount ($)Added each month ($)Yearly return (%)Years

After 20 years: $176,472. You put in $77,000; growth did the other $99,472.

How many sales a month cover your fixed costs, before you pay yourself a dollar of profit.

Fixed costs / month ($)Price per sale ($)Cost per sale ($)

54 sales a month ($6,480 in revenue) to break even. Each sale leaves $75 toward fixed costs.

How long a balance takes to clear at the payment you choose, and what it costs in interest.

Balance ($)APR (%)Monthly payment ($)

Paid off in 37 months (3.1 years), costing $3,083 in interest.

Salary is not the whole number. Benefits add to it; the commute is unpaid time that comes out of it.

Offer ASalary ($)Benefits / year ($)Hours / weekCommute, round trip (min)Office days / week

Offer BSalary ($)Benefits / year ($)Hours / weekCommute, round trip (min)Office days / week

Offer A really pays $33/hour, offer B $36/hour, counting benefits and commute time. Offer B is worth more per hour of your life.

Estimates, not financial advice. Nothing you type here leaves your browser.