Free Calculators

Financial Calculators That Connect to a Bigger Plan

Twelve of the 44 PFOS calculators, free to use — no account needed. Each one answers the question in front of you. PFOS answers what to do with that answer across your whole financial life.

Can I Afford This?A purchase checked against your monthly surplus, in hours of your work, and in what the same money could grow to. Debt-Free Date & Payoff OptimizerWhen your debt is paid off, what an extra payment changes, and whether paying it down or consolidating costs less. Job Change EvaluatorTwo offers compared on total compensation, not salary alone. New Baby CostsThe first year of a new baby, and the costs that keep going. Cost of WaitingWhat putting off saving costs by the time you retire. Retirement & FI PlannerYour financial-independence number from 10,000 market simulations, and how close you are. Fee AnalyzerWhat advisor, fund and platform fees cost over the long run. Relocation CalculatorA move between states compared on take-home pay after state tax, housing, property tax and moving costs. Buy vs RentOwning against renting, with equity, costs and the money you would invest instead. Savings Goal PlannerHow much to set aside each month to reach a goal, with growth and inflation counted. Loan AnalyzerWhat a loan really costs: the payment, the total interest, your rate against typical rates for your credit, and what extra payments save. Financial Stress IndexA 0 to 100 score of the financial pressure you carry, and what is driving it.
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