PFBytes Tools

Calculators

Free, interactive calculators to put our guides into practice with your own numbers. Everything runs in your browser — nothing you enter is sent anywhere.

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  • 🛟
    Emergency Fund Calculator

    Find your target emergency fund size based on your expenses, job stability, and dependents.

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  • ❄️
    Debt Payoff Calculator

    Compare the debt snowball and debt avalanche strategies side by side — months to debt-free and total interest for each.

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  • 📊
    50/30/20 Budget Calculator

    Split your take-home pay into needs, wants, and savings, or customize the percentages to fit your life.

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  • 📈
    Compound Growth & DCA Calculator

    See how an initial investment plus regular monthly contributions can grow over time, and how much is growth vs. contributions.

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  • 🏦
    Roth vs Traditional IRA Calculator

    Compare the after-tax retirement value of a Roth IRA vs a Traditional IRA based on your tax brackets now and later.

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New calculators added regularly.