CentsWisdom

Free Tools

Financial Calculators

Interactive tools to run the actual numbers on your money decisions. No email required, no account needed — just plug in your numbers and see what happens.

Why these tools? Most financial calculators are buried in apps that want your email. These are free, fast, and built to answer the questions that come up after reading a CentsWisdom article.
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Compound Interest Calculator

See exactly how a lump sum + monthly contributions grow over time. Adjust the rate, timeframe, and contribution to watch the curve change in real time.

Starting Amount Monthly Contribution Interest Rate Years
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College Savings Calculator

Enter your child's age, your savings goal, and current balance to project whether you'll hit your target — and what monthly contribution gets you there.

Child's Age Target Cost Current Savings Monthly Contribution
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Budget Planner

Enter your income, fixed expenses, and variable spending categories. Get a pie chart breakdown and your savings rate compared to the 50/30/20 benchmark.

Monthly Income Fixed Expenses Variable Categories Savings Rate
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Debt Payoff Calculator

Add your debts with balances, rates, and minimums. Compare the avalanche method vs. the snowball method side by side — including payoff dates and total interest paid.

Balances Interest Rates Min Payments Extra Payment
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