Calculators

Run the numbers yourself

Three calculators covering the questions people ask most. Everything runs in your browser — nothing is sent anywhere and nothing is stored.

Calculator 01

Debt payoff planner

Enter your balances and rates, plus the total you can put toward debt each month. The planner compares the two standard strategies and shows what each costs in interest.

Name Balance APR % Min payment

Extra monthly payment

Calculator 02

Savings goal tracker

Pick a target and a deadline to see the monthly amount required, or set what you can afford and see when you would get there. Interest is compounded monthly.

Goal amount Already saved Months to save Annual interest rate (%)

Monthly saving required

$394

to reach $12,000 in 24 months

Still needed

$10,000

Per day

$12.95

Interest earned

Balance projection

now 24 months

At 4% annual interest, compounding monthly, roughly $0 of the total comes from interest rather than your deposits.

Calculator 03

True hourly wage

Your salary divided by 2,080 hours is not your hourly wage. Once commuting, unpaid overtime, work clothing and decompression time are counted, the real figure is usually lower — sometimes a lot lower.

Annual salary (after tax) Paid hours per week Unpaid overtime per week (hours) Commute per day (minutes, round trip) Weekly work-related costs Days worked per week

True hourly wage

$21.41

versus a nominal $27.88 — a real reduction of 23.2%

Paid hours per week	40.0
Unpaid overtime per week	5.0
Commute per week	5.0
Total committed hours per year	520 extra
Work-related costs per year	$2,340
Effective income after costs	$55,660

You commit 2600 hours a year to this job, not 2080. The gap is moderate. The main lever here is usually commute time rather than salary.

This is a diagnostic, not a reason to quit. It is most useful when comparing two offers with different salaries, commute lengths and cultures — the one with the higher number is not always the one that pays better per hour.