PFBytes Tools

Calculators

Free, interactive calculators to put our guides into practice with your own numbers. Everything runs in your browser โ€” nothing you enter is sent anywhere unless you choose to save your results to your plan.

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  • ๐Ÿ›Ÿ
    Emergency Fund Calculator

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

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  • โ„๏ธ
    Debt Payoff Calculator

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

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  • ๐Ÿ“Š
    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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  • ๐Ÿฆ
    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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    Mortgage Refinance Break-Even Calculator

    See your new payment, monthly savings, and how many months it takes to recoup refinance closing costs.

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    Home Down Payment Savings Planner

    Find your down payment goal and see how long it'll take to reach it, or what to save monthly for a target timeline.

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    Student Loan Payoff Calculator

    See your student loan payoff timeline and total interest, and how much an extra payment saves you.

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  • ๐Ÿ’ณ
    Credit Card Payoff Calculator

    See the real cost of paying only the minimum versus a fixed payment you choose, in time and total interest.

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    HSA Triple-Tax-Advantage Calculator

    See the dollar value of an HSA's pre-tax, tax-free growth, and tax-free withdrawal advantage vs a taxable account.

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  • ๐Ÿงบ
    Sinking Fund Planner

    Plan monthly set-asides for irregular expenses like car maintenance, holidays, or repairs โ€” supports multiple funds at once.

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