We'll start your simulation here and play forward to retirement.
Type literally anything. We'll generate your career path in real time.
🎯
AI-tailored career path
🧮
5 calculators built in
🏆
Graded at retirement
SAVINGS
$0
DEBT
$0
MOOD
😀 70
—
📖 Money Glossary
🧮 Financial Calculators
Your contribution %5%
Avg annual return7%
PROJECTED AT AGE 65
$0
Adjust contribution to see impact
A 401(k) is a tax-deferred retirement account. Money goes in pre-tax (lowering your tax bill now), grows tax-free, and is taxed when you withdraw in retirement. The employer match is free money — always contribute at least enough to capture it.
Annual contribution$7,000
Avg annual return7%
TAX-FREE AT 65
$0
Max contribution: $7,000/yr (under 50)
YOU'LL CONTRIBUTE
$0
GROWTH (FREE MONEY)
$0
Roth IRA: You pay tax now, growth is tax-free, withdrawals in retirement are tax-free. Best for young earners. Traditional IRA: deduct contributions now, pay tax later. Annual limit: $7,000 ($8,000 if 50+). Income limits apply.
Avg annual return7%
FINAL VALUE
$0
Total invested vs. growth →
YOU PUT IN
$0
MARKET MADE
$0
Compound interest is interest earning interest. Albert Einstein supposedly called it "the eighth wonder of the world." The S&P 500 has averaged ~10% annually over a century. After fees and inflation, 7% real return is realistic.
Interest rate7.0%
MONTHLY PAYMENT (P+I)
$0
Principal + interest only. Add ~$400–800/mo for taxes, insurance, PMI.
TOTAL INTEREST PAID
$0
TOTAL OF PAYMENTS
$0
A mortgage is one of the largest financial commitments most people make. Total cost = monthly × 1.4 (taxes, insurance, repairs). 20% down avoids PMI. A 15-year mortgage saves ~50% in interest vs 30-year but doubles the monthly payment.
Monthly payment$200
MONTHS TO PAYOFF
0
Higher payment = much less interest paid
TOTAL INTEREST
$0
TOTAL PAID
$0
Two strategies: Avalanche (pay highest-APR debts first) saves the most money. Snowball (pay smallest balances first) gives psychological wins. Math says avalanche; psychology often wins with snowball. Choose what you'll actually stick with.