Free Calculators
Four calculators for the questions this blog gets asked most. They are free, they run in your browser, and nothing you type is sent anywhere.
Pick the question you have
Credit Card Interest Calculator
Shows daily and monthly costs of a credit card balance, how much of a payment is interest, and payoff time for minimum versus fixed payments.
Open calculatorDebt Snowball vs Avalanche Calculator
Takes card balances, rates, and a monthly budget to compare the snowball and avalanche strategies, showing duration, total interest, and when the first card is cleared.
Open calculatorSafe to Spend Calculator
Takes your balance, the bills due before payday, and what you save first, then shows what is safe to spend and how much that is per day. If you are short, it says by how much.
Open calculatorEmergency Fund Calculator
Adds up essential monthly expenses and shows the cost of one, three, and six months of runway, as well as the time needed to build it at a chosen savings rate.
Open calculatorDIY vs Shop Calculator
Takes a shop’s quote, the cost of parts and tools, and the hours a job takes you, then shows what you keep, what your time earns per hour, and how many jobs it takes for a tool to pay for itself.
Open calculatorA calculator answers once. The numbers keep moving.
Every tool on this page gives you a figure for today — a payoff date, an interest total, a target to reach. What it cannot do is follow the balance after you close the tab. The Forgenta budget app tracks the balances as they actually move, so the answer stays right when a rate changes or a month goes sideways.