Loading...
Loading...
Navigation
The Catalyst Project
Money, investing, and financial freedom. FIRE timeline, compound interest, net worth, real hourly rate, lifestyle inflation, and more.
21 free tools — no account required.
Create a monthly budget allocation based on your income, goals, and spending patterns.
Open calculatorFree car affordability calculator using the 20/4/10 rule: 20% down, 4-year loan max, 10% total transportation costs. True cost of ownership including depreciation.
Open calculatorFree compound interest calculator with the formula explained: A = P(1 + r/n)^(nt) for lump sums, plus the contribution-stream formula for monthly investing. Includes rule of 72 and real-return inflation adjustment.
Open calculatorFree debt payoff calculator with the formula explained: monthly payment P = L × [r(1+r)^n] / [(1+r)^n − 1], total interest = (P×n) − L. Compares avalanche (highest APR first) vs snowball (smallest balance first).
Open calculatorFree emergency fund calculator with the formula explained: emergency_fund = essential_monthly_expenses × target_months. Single income 6mo, dual 3mo, self-employed 6-12mo, retired 12+mo.
Open calculatorSee how investment fees compound over time and eat into your returns.
Open calculatorFree FIRE number calculator with the formula explained: FIRE = annual expenses / safe withdrawal rate (4% → expenses × 25, 3.5% → expenses × 28.57). Coast FIRE = FIRE_number / (1 + r)^years_to_retirement.
Open calculatorCalculate what you should charge per hour based on your desired income, expenses, and available billable hours.
Open calculatorFree house affordability calculator using the 28/36 rule: PITI ≤ 28% of gross income, total debt ≤ 36%. Mortgage amortization formula, PITI breakdown, rate impact.
Open calculatorSee how inflation silently erodes your purchasing power, savings, and salary over time.
Open calculatorSee how inflation erodes your purchasing power over time. Calculate future costs and real returns on savings.
Open calculatorTrack how your spending grows with income increases. Identify lifestyle creep and protect your savings rate.
Open calculatorFree net worth calculator with the formula explained: net_worth = total_assets − total_liabilities. Liquid net worth = total − home equity − vehicles. Federal Reserve median benchmarks by age.
Open calculatorYour true hourly rate after commute, preparation, decompression, and work-related costs. Inspired by Your Money or Your Life.
Open calculatorFree rent vs buy calculator with the formulas explained: price-to-rent = home_price / annual_rent (<15 buy, >20 rent), 5% rule: unrecoverable ownership cost ≈ home_price × 5%. Break-even year math.
Open calculatorFree retirement calculator with the formulas explained: target = annual_expenses × 25 (4% rule), future value FV = P(1+r)^t + PMT × [((1+r)^t − 1) / r]. Real returns, sequence-of-returns risk explainer.
Open calculatorFree take-home pay calculator with the formula explained: net = gross − federal_tax (marginal brackets) − FICA (7.65% to $168,600 cap) − state_tax − pre-tax deductions. Shows marginal vs effective rate.
Open calculatorFree savings rate calculator: savings_rate = annual_savings / take_home_pay. 10% → 51 years to FI, 50% → 17 years. The dominant variable in personal finance.
Open calculatorIs your side hustle worth the time? Calculate effective hourly rate, opportunity cost, and breakeven timeline.
Open calculatorAudit your recurring subscriptions and find hidden money drains.
Open calculatorFree tax bracket calculator with the marginal-bracket method explained. 2024 US federal brackets, standard deduction, marginal vs effective rate, 401(k) tax savings.
Open calculator