Planning calculators
Estimate a home or car loan, retirement savings, and an emergency fund from the public Tools page. No account required.
Updated 2026-10-21 · TH
Tools in the site header and footer opens free calculators. They sketch an estimate. They are not a bank offer, and they are separate from in-app savings goals.
Calculators
- Home & joint loan (
/tools/home-loan) — monthly payment, total interest, your share versus a co-borrower, and a warning when the payment is over 40% of combined monthly income (DTI). - Car loan (
/tools/car-loan) — monthly payment, total interest, and an optional balloon or residual. - Retirement (
/tools/retirement) — projected savings from current age, retirement age, current savings, contributions, and expected yearly return. - Emergency fund (
/tools/emergency-fund) — a target of 3 months, 6 months, 12 months, or a custom number of months of expenses, plus how long it takes to fill the gap.
Steps
- Open Tools and choose a calculator.
- Enter the amounts the form asks for and pick a display currency.
- Read the Estimate. Rates, fees, and approval rules differ by lender — check them before you commit.
Tips
- You can use these pages without signing in.
- To save progress inside Budfinix, create a goal after you have an account.