Forty tools.
All free.
No account. Nothing to install. The math runs in your browser.
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- Maaser on $5,000 a month
- $500
- Home, all in, per month
- $6,026
- Simcha catering, 150 guests
- $12,750
- $300 a month, age 25 to 65
- $1,064,457
Illustration only. Wealth assumes 8.5% a year, compounded annually. Returns are not guaranteed.
Type a number. See the answer.
Each tool answers as you type. Here is what each one says with its default numbers.
Everyday money13
- Budget plannerYour take-home against every line a frum household has, and what is left. $335left over each month, on $9,400 take-home for a family of 5 (illustration)
- Take-home payYour paycheck after 2026 federal and state tax, Social Security, Medicare and pre-tax savings, and the maaser on it. $2,289every two weeks, on an $85,000 salary (single, New York, 5% to a 401(k))
- Emergency fundHow many months to cover, your runway today and when you get there. $39,0006 months of essentials at $6,500 a month (illustration)
- Net worthWhat you own minus what you owe, and how it moves snapshot to snapshot. $199,800owning $600,000 and owing $400,200 (illustration)
- Summer money calculatorTurn summer earnings into a weekly allowance. $44a week for 10 months, from $3,000 of summer earnings
- Expense roasterType your month or upload a bank file. See where the money actually went. 1–10a spending score from your own numbers, read in your browser
- Negotiation cheat sheetWhat to ask for, and how, before you sit down. 30categories, each with levers, questions and trade-offs
- Account selectorA few questions to the kind of account that fits. 3 stepsfrom what you need to a shortlist
- Year-ahead plannerEvery cost that doesn't come monthly on one calendar, and the one amount to set aside each month or paycheck. $3,450a month covers $43,692 of tuition, Yom Tov, camp and yearly bills over the next 12 months (illustration)
- Tax refund estimatorRefund or bill in April? Your 2026 tax against what your paychecks withhold, and the W-4 change that evens it out. $1,200federal refund for 2026, married with two children on $110,000 (illustration)
- Second income worth it?What a second paycheck really adds each month and per hour, after childcare and the extra tax. $1,009a month from a $55,000 second income, after childcare and the extra tax (example)
- Grocery budgetA grocery budget for your family from USDA's official food plans, next to what frum families spend. $1,660a month for a family of five on USDA’s moderate-cost plan (September 2026 prices)
- Salary to hourlyYour pay every way: hourly, weekly, per paycheck, monthly and yearly. $40.87an hour on $85,000 a year, at 40 hours a week
Giving1
Debt3
- Debt payoffSnowball or avalanche: your debt-free date, a month-by-month schedule, and what one more step saves. $813less interest paying the highest rate first, on four example debts
- Credit card costWhat the minimum payment really costs, and what clears it faster. $9,674in interest paying only the minimum on $6,000 at 22.36%, over 18 years
- Loan calculatorPayment, total interest and the true APR on any personal, car or student loan. $497a month on $15,000 at 11.9% for 36 months, $2,910 in interest
Family and simchas10
- Education cost plannerTuition from pre-school to seminary or college, per child. $1,362,769for three children aged 3, 6 and 14, the planner’s baseline
- Simcha budget plannerEvery line of a wedding or bar mitzvah, per guest. $12,750catering for 150 guests at $85 a head (illustration)
- Simcha savings timelineEvery bar mitzvah, bat mitzvah and wedding ahead, and one monthly amount that pays for them all. $847a month for now, stepping down after the first simcha; six simchas for three children through 2047 (illustration)
- Yom tov budgetEvery chag for the year, and what to set aside each month. $10,092for a year of yom tov, Chanukah to Sukkos (illustration)
- Kollel-years budgetStipend, spouse’s income and help from parents against a growing family’s costs, year by year. Year 6savings run out, for a family of four adding a child in year 2 (illustration)
- Supporting a married childWhat helping a married child costs, now and in your retirement savings. $335,381less at 67 after supporting two couples for five years each, $168,000 in all (illustration)
- Year in IsraelSeminary or yeshiva year: the full cost and what to save each month until the flight. $2,628a month for 9 months covers a $35,650 year, flights included (illustration)
- Simcha gift budgetWhat a year of simcha gifts adds up to, and the monthly amount that covers it. $283a month for 44 simcha gifts a year (example amounts; customs vary)
- Is our budget normal?Your food, tuition, housing and debt next to what frum families reported in published surveys. 6 of 6lines in line with what frum families reported (example)
- Tuition assistance prepThe numbers a tuition committee asks for, on one private printable page. 32%of income before tax goes to tuition (example)
Home and car5
- Home purchase analyzerRent vs. own, the real monthly cost, the break-even. $6,026a month, all in, for a $750,000 home with 20% down
- Rent vs buyTwo net-worth lines over 30 years, and the year buying pulls ahead, if it does. Year 9when buying a $600,000 home passes renting at $3,400 a month (illustration)
- Car comparisonBuy, lease or used, in total dollars. $47,191to own a $30,000 car for 5 years, financed at 6.5%
- Mortgage calculatorThe payment all in, a full amortization schedule, and what paying extra saves. $3,882a month all in on a $500,000 home, 10% down, at 7.18% for 30 years
- Rent affordabilityThe rent your income supports, where it starts to squeeze, and what is left. $2,350rent or less a month on $95,000 a year, with $400 of other payments
Growing wealth7
- Wealth timelineWatch a monthly habit become a number. $1,064,457at 65, investing $300 a month from 25
- Kids savings compared529, custodial or Trump account: what each leaves after tax for yeshiva, college or anything. $32,495tax-free for yeshiva tuition from a 529, saving $200 a month for 10 years
- First $100K planA month-by-month path to your first hundred thousand. 9 yr 10 moto $100K from $5,000, saving $500 a month
- Retirement readinessAre you on track? Your savings at retirement against what you'll need on top of Social Security, and the change that closes the gap. 73%of the way to retirement at 67, saving $900 a month from 40 (illustration)
- Compound interestWhat a sum and a monthly deposit grow to, year by year. $300,851after 20 years: $10,000 plus $500 a month at 7.000000000000001% (illustration)
- CD and savings calculatorWhat a CD or high-yield account earns, the penalty for breaking it, and a ladder. $400interest on $10,000 in a 12-month CD at 4.00% APY (illustration)
- Inflation calculatorWhat a dollar from any year since 1913 is worth today. $196today for $100 of 2000 prices (BLS CPI-U)
Protecting the family1
Sample figures are illustrations computed with each tool’s own formula and default inputs. They are not advice, and returns are not guaranteed.