Spending & savings

True Cost of a PurchaseCombine purchase price, running costs, resale value, and opportunity cost to estimate the full long-term cost. 2 min Cash, Finance or LeaseCompare three ways to acquire a car using financing costs, depreciation, resale value, and investment returns. 2 min Concentrated Position: Trim or HoldStress-test a large single-stock holding and compare holding, trimming, taxes, and diversification scenarios. 2 min Idle Cash, PricedEstimate how inflation and alternative returns change the purchasing power of cash over time. 2 min The Subscription LedgerAdd recurring services into one monthly, yearly, and ten-year bill, including a return assumption. 1 min Angel Cheque SizingSize an early-stage investment against net worth, existing exposure, loss tolerance, and follow-on reserves. 2 min How Much CarEstimate an affordable vehicle price from take-home pay, loan term, rate, insurance, and running costs. 2 min Emergency Fund, SizedEstimate a cash buffer from essential spending, job stability, dependents, insurance, and refill time. 1 min Estate Liquidity GapEstimate accessible cash, immediate costs, household burn, expected benefits, and the waiting-period funding gap after a death. 2 min 3-Month Emergency FundThe starter target: essentials × 3, your gap, and the timeline. 1 min 6-Month Emergency FundThe standard target for single earners and homeowners. 1 min 8-Month Emergency FundThe freelancer and lumpy-income target. 1 min Funeral Cost, ItemizedBurial vs cremation vs direct — against the national medians, with your FTC rights. 2 min True Monthly Income CalculatorConvert taxes, annual obligations, work costs, irregular income, and confirmed benefits into spendable monthly income.2 min Cost-of-Living CalculatorBuild a household-specific cost of living from housing, food, transport, health care, care, debt, and benefits.2 min Lifestyle Inflation CalculatorShow how recurring lifestyle upgrades compound above general inflation and reduce potential investments.2 min Purchase Affordability CheckerTest a purchase against liquid savings, an emergency floor, monthly surplus, financing, and the selected lender.2 min Opportunity Cost CalculatorShow the potential future and inflation-adjusted value of money spent today or every month.2 min Inflation Impact CalculatorCompare future prices, income growth, investment growth, and purchasing power over a chosen horizon.2 min Savings Goal CalculatorCalculate the monthly contribution needed from current savings, time, return, and one-time contributions.2 min Career Change Affordability PlannerEstimate training, lost income and benefits, transition burn, assistance, savings, and the funding gap before changing careers.2 min One-Income Household CalculatorTest whether one take-home income plus confirmed benefits can cover a household after saved care and commute costs.2 min Child Cost CalculatorProject child care, food, health, activities, education saving, inflation, and confirmed family benefits.2 min Elder-Care Cost CalculatorCompare home care, family care, assisted living, residential care, insurance, and public benefits over time.2 min Pet Lifetime Cost CalculatorProject setup, food, supplies, veterinary care, insurance, emergencies, inflation, and lifespan.2 min Wedding Affordability CalculatorCompare the all-in wedding budget with savings, future contributions, family help, guests, and borrowing.2 min Divorce Financial Impact CalculatorCompare one-household and two-household cash flow, duplicated costs, support, legal fees, assets, and benefits.2 min