Financial Essentials Calculator

Net worth, emergency fund, FU money, FI number, and the cost of a lower credit score, all in one.

Net Worth Calculator

Your Assets

$
$
$
$
Use market value, not what you paid.
$
Market value. Don't count everyday stuff like furniture or clothes.

Your Liabilities

$
$
$
$
$

Your Net Worth

Total Assets—
Total Liabilities—
Net Worth
—

What you own minus what you owe.

Assets vs. Liabilities

Net worth is a snapshot, not a judgment — it can dip during major life events (starting a business, a job loss) before rising again.

Emergency Fund Calculator

Your Numbers

$
Rent/mortgage, utilities, food, insurance, minimum debt payments — the bare essentials.
$
What you have saved for emergencies right now.

Your Target

Minimum Target (3 months)—
Ideal Target (6 months)—
% of Minimum Target Reached—
% of Ideal Target Reached—

Emergency fund money should stay liquid — a high-yield savings account, not invested in the market.

F.U. Money Calculator

Your Numbers

$
$
What you have saved toward this goal right now.

Your Target

Minimum Target (1 year)—
Ideal Target (2 years)—
% of Minimum Target Reached—
% of Ideal Target Reached—

F.U. Money is the freedom to walk away from a toxic job, take a sabbatical, or pursue a passion project — bigger than an emergency fund, smaller than full FI.

FI Number Calculator

Your Numbers

$
In today's dollars.
%
4% is the standard assumption.
$
Total invested assets right now.

Your Target

FI Number
—

Your target portfolio: expenses ÷ withdrawal rate.

% of FI Number Reached—

This is the same FI Number used in the FI Date Estimator — use that calculator for a full timeline.

Credit Score Cost Calculator

Your Loan

$
e.g., a mortgage principal.
years
%
The rate you'd get with a lower score.
%
The rate you'd get with a higher score.

The Cost of a Lower Score

Monthly Payment (Lower Score)—
Monthly Payment (Higher Score)—
Total Interest Paid (Lower Score)—
Total Interest Paid (Higher Score)—
What the Lower Score Costs You
—

The extra interest you'd pay over the life of the loan.

Uses a standard fixed-rate amortizing loan formula. Actual rates depend on more than credit score alone (income, debt-to-income ratio, down payment, etc.).

Estimates for illustration only.

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