Personal Finance

Money calculators built for irregular, self-employed income — the situations where standard financial advice assumes a steady paycheck you don't have. Covers retirement contributions on business profit, mortgage qualification on 1099 income, debt payoff order, and a runway-based emergency fund. Reframed for people whose income arrives in lumps, not biweekly deposits.

Available calculators

6 calculators

Debt Payoff

Find out how many months it takes to pay off a balance, and how much interest you'll pay along the way, based on your APR and monthly payment.

Emergency Fund

Find out how big your emergency fund should be, how many months of runway your current savings already cover, and how much to save each month to close the gap.

Self-Employed Mortgage

Estimate the home price a self-employed borrower can qualify for, based on a two-year income average, monthly debts, and target debt-to-income ratio.

Solo 401(k) vs SEP-IRA

Compare 2026 max contribution limits for a Solo 401(k) versus a SEP-IRA on your net self-employment income, including the age-50-and-over catch-up.

Runway

Find out how many months your savings last if your freelance income drops to zero — plus a conservative 80% runway and your true monthly burn rate.

Vacation Cost

See the real cost of taking time off as a freelancer — lost billings plus fixed costs that keep running — and how much to save monthly to cover it.