Money

Make smarter money decisions

Calculators, decision guides, and planners for your financial life

Free money calculators and decision guides for the calls that shape your finances — what your mortgage payment really looks like, whether renting beats buying in your city, how much car you can afford, and whether you're on track for retirement. Every tool gives you real numbers in seconds; every guide helps you interpret them. Start with a calculator to get the figure, then take the matching decision quiz if you're unsure what to do with it.

Retirement Planning Hub

Plan retirement the way advisors do — number first, decision second

A connected toolkit built on verified 2026 federal rules: project your accounts, find your target, then optimize Social Security claiming, Roth conversions, and withdrawal rates against each other — year by year, not rule-of-thumb.

🧭Roth Conversion Planner 🏖Retirement Calculator 🔥FIRE Calculator 💼401(k) Calculator ⚖️Roth vs Traditional IRA 🚰Safe Withdrawal Rate 🎫Social Security Estimate 🧮Net Worth

🤔 Should You Do Roth Conversions?🎫 When to Claim Social Security 🔥 Early Retirement Readiness 📊 Are You On Track?

Start with the math: How much do I need to retire? · How much of SS is taxable? · Roth conversion taxes

Bullion & Junk Silver

Precious Metals Toolkit

Know the number before you buy or sell — value a bag of 90% silver by count or face value, see how much premium a purchase really carries, and track gold and silver together in fine-weight terms.

🪙Junk Silver Value ⚖️Bullion Premium 📊Bullion Portfolio

🔍 Is My Old Coin Silver?🦅 Junk Silver vs Eagles

Silver content quick reference

$1 face of 90% silver (any mix): 0.715 ozt worn · 0.7234 ozt unworn

Morgan / Peace silver dollar: 0.7735 ozt each

1965–70 Kennedy half (40%): 0.1479 ozt each

1942–45 war nickel (35%): 0.0563 ozt each

US Mint specifications — fixed by law, never changes.

Read the math first: How to value junk silver · Gold coins vs bars · Tracking a stack

Pricing & Profit Toolkit

Price with markup, prove it with margin

A connected toolkit for sellers, freelancers, and small businesses: set prices from cost or target margin, see markup and margin side by side, then check the price survives break-even, commission, and a fair return on what you invest.

💲Markup Calculator 💹Profit Margin 💼Break Even 💰Commission 📊ROI

💸 Are You Pricing Too Low?🏷️ Pricing Strategy Checklist 🤔 Is Your Business Idea Viable?🔍 Is This Investment Worth It?

Markup ↔ margin quick reference

50% markup: 33.33% margin · price = cost × 1.50

100% markup (keystone): 50% margin · price = cost × 2.00

To keep a 20% margin: charge a 25% markup

To keep a 30% margin: charge a 42.86% markup

Same formulas as the calculators above — margin = markup / (1 + markup).

Read the math first: How to calculate markup · Markup vs margin explained · Break-even math · How to calculate ROI · Printable markup vs margin chart