Tools for the financial decisions you actually make.

Not another loan calculator. Compare loans side-by-side, see how extra payments save real money, decide if borrowing actually beats paying cash — plus a fun-zie timer page for marking moments.

Compare loans→

Put two or three offers side by side. See the monthly payment, total interest, and total cost — ranked.

Amortize + extra payments→

See your full amortization schedule. Add extra monthly payments and watch the months and interest disappear.

Borrow vs invest→

The actual decision: should I borrow $8k at 5% or pay cash and miss 7% market returns? See which wins.

Timers→

Countdown to a date or count up from one. Stack as many clocks on one page as you want — shareable URL.

Decision-focused, not just computation

Loan calculators are a commodity. This site is for the moments between the math and the signature — when you actually need to decide.

Shareable URLs

Every tool state lives in the URL. Send the link to your spouse, your advisor, or yourself on your phone.

Honest methodology

No black boxes. Every assumption is on the methodology page. If the answer surprises you, the page explains why.