Personal Finance Tools & Calculators
InvestingLab.com is a growing collection of free personal finance tools designed to help you explore everyday money decisions using simple, educational simulations.
Test “what-if” scenarios for budgeting, net worth, mortgage payments, rent vs buy, debt payoff vs investing, and retirement planning.
About InvestingLab.com
A clear, educational approach to personal finance tools.
InvestingLab.com provides educational tools that help users explore financial trade-offs through clear, user-driven inputs. We do not collect calculator inputs and we do not provide financial, tax, or legal advice.
Reference (educational): Consumer Financial Protection Bureau (CFPB)
What you can do here
- Build a monthly plan with a budget calculator
- Estimate net worth by tracking assets and liabilities
- Test mortgage payments and housing assumptions
- Compare rent vs buy scenarios over time
- Explore debt payoff vs investing trade-offs
- Check retirement savings growth and gaps
How to use the tools
Pick a calculator, enter your assumptions, and review the results as a “what-if” snapshot. Change one variable at a time (rate, time horizon, contribution, rent growth) to understand which inputs matter most. For methodology and limitations, see our How Calculators Work and Disclaimer.
Personal Finance Tools & Calculators
Each tool and calculator is free, runs in your browser, and is designed for educational scenario testing.
📒 Budget Planner Calculator
Organize income, expenses, savings, and debt payments into a simple monthly plan.
- Totals + category breakdown
- Surplus/deficit view
- Fast scenario testing
📊 Net Worth Calculator
Estimate net worth by listing assets and liabilities in clear categories.
- Assets vs liabilities
- Home equity view
- Liquid vs retirement split
🏠 Mortgage Calculator
Estimate payments and test assumptions like rate, term, taxes, and insurance.
- Payment estimate
- Amortization logic
- Extra payment impact
🧓 Retirement Planner Calculator
Test contributions, retirement age, and withdrawal assumptions to spot gaps.
- Goal vs projected
- Withdrawal-rate testing
- Simple scenario levers
🏘️ Rent vs Buy Calculator
Compare renting vs buying and estimate which path may lead to higher net worth.
- Rent growth & appreciation
- Ownership costs & equity
- Break-even insights
⚖️ Debt vs Invest Calculator
Compare paying down debt faster vs investing extra cash using simplified assumptions.
- Opportunity cost view
- Extra monthly cash testing
- Scenario comparison
Educational Disclaimer
InvestingLab.com provides financial tools and calculators for educational and simulation purposes only. We do not provide financial, tax, or legal advice. Results depend on user-provided assumptions and are illustrative.