SHIP'S INSTRUMENTS
Financial calculators
The same math that runs the app's Charts tab, right here in your browser. Nothing you type is stored or sent anywhere.
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Compound interest calculator
Lump sum left alone vs. monthly contributions vs. both - side by side.
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Loan & mortgage calculator
Monthly payment, total interest, and a year-by-year amortization table.
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Refinance break-even calculator
Find out how long a refinance takes to pay for its closing costs.
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Debt payoff planner
List your debts, pick Snowball or Avalanche, and see your debt-free date.
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What if I stopped spending on…
Turn a monthly habit into its 1, 5, and 10-year value, invested or aimed at debt.
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US take-home pay calculator
Federal, state, and FICA taxes for 2026 - what actually lands in your account.
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Emergency fund calculator
How far you are from three and six months of expenses, and when you get there.
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Plan a purchase
Save up for something on purpose - by monthly amount or by target date.
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Currency exchange calculator
Convert between USD, EUR, GBP, CAD, JPY, and SEK with the day's rates.
Want these with your real numbers?
In the app, the same tools pull from your actual debts, budget, and accounts - and everything stays on your phone.