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FinanceAppsPractical tools for smarter decisions.
A personal collection of calculators and decision tools — finance, home, and beyond. No accounts, no ads, no fluff.
37 tools available
🚗 Vehicle DecisionsCompare and evaluate vehicle purchase, lease, and loan decisions.
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EV vs Gas Comparison
Compare the total cost of buying or leasing an EV versus a gas car over time.
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Should I Pay Off My Car?
Compare interest saved vs. investment gains to decide whether to pay off your car loan early.
Vehicle DecisionsOpen →
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Total Cost of Ownership
Calculate the true cost of car ownership including depreciation, insurance, fuel, and maintenance.
Vehicle DecisionsOpen →
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Cost Per Mile
Add every cost driver — fixed, variable, one-time — and calculate your true cost per mile for any vehicle.
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💳 Debt & Loan ManagementMake strategic decisions about debt acceleration and payoff strategies.
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Depreciation & Amortization
Create annual depreciation and loan amortization schedules with straight-line calculations.
Debt & Loan ManagementOpen →
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Should I Pay Extra on My Mortgage?
Compare payoff acceleration vs. investing the difference to optimize your wealth building strategy.
Debt & Loan ManagementOpen →
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Buy vs Rent Analysis
Compare total wealth after X years for buying versus renting, including equity, investments, and all costs.
Debt & Loan ManagementOpen →
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Credit Card Payoff
Calculate payoff time and total interest if you pay a fixed amount each month.
Debt & Loan ManagementOpen →
📊 Budgeting & Cash FlowTrack spending and manage day-to-day money flows.
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Expense Splitter
Split bills and expenses with friends or roommates.
Budgeting & Cash FlowOpen →
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Cash Swap
Track the money you save by swapping expensive habits for cheaper ones. See the daily, monthly, and annual impact.
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Habit Trim
Track how cutting or reducing food habits translates into calories saved and pounds of fat lost per year.
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📈 Wealth Building & TrackingMonitor your portfolio growth and long-term financial progress.
🏡 HomeownershipSmarter home decisions via OwnIQ — buying, owning, protecting, and selling.via OwnIQ ↗
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Affordability Calculator
How much home can you actually afford? Stress-test your numbers before you commit.
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Rent vs. Buy Analyzer
Full wealth comparison — equity, opportunity cost, taxes, and all hidden costs modeled.
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True Cost of Ownership
Beyond the mortgage — taxes, insurance, maintenance, HOA, and the real monthly number.
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Offer Strength Estimator
How competitive is your offer? Model price, contingencies, and terms against market conditions.
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Closing Cost Estimator
No surprises at closing. Estimate lender fees, title, escrow, and prepaid costs before you sign.
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Appraisal Gap Calculator
If the home appraises low, how much cash do you need to cover the gap? Model your options.
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Down Payment Calculator
How does your down payment affect monthly payment, PMI, and total interest paid?
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Commute Cost Calculator
The true annual cost of your commute — gas, time, wear and tear, and what it means for home location.
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EV Commute Cost Calculator
Compare commuting by EV vs. gas — electricity costs, savings, and payback period.
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Moving Cost Estimator
Full moving cost breakdown — movers, packing, storage, travel, and hidden expenses.
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Equity Dashboard
Track your home equity as values and balances change over time.
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PMI Escape Tracker
When do you hit 20% equity and drop PMI? See the exact month and savings.
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Refi Radar
Does refinancing pencil out? Model rate, breakeven, and long-term savings.
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HELOC Decision Modeler
Should you tap your equity? Model HELOC costs, rate risk, and the ROI of what you plan to do with it.
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Renovation ROI Estimator
Which renovations actually pay off at resale? Model cost vs. value for the most common projects.
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Insurance Gap Scanner
Find coverage gaps before a claim does. Model your real replacement value.
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Home Inventory Vault
Document your belongings for insurance purposes — before you need it.
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Property Tax Appeal Helper
Is your assessment too high? Build a data-backed case to appeal your property tax bill.
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Contractor Receipt Vault
Log every improvement, repair, and upgrade. Build your cost basis and protect your capital gains exclusion.
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HomeRx Maintenance Planner
A proactive maintenance schedule based on your home's age, climate, and systems.
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Sell Now or Wait?
The biggest financial decision — modeled, not guessed. Timing, equity, and taxes.
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Net Proceeds Estimator
What will you actually walk away with? Model agent fees, mortgage payoff, taxes, and closing costs.
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Capital Gains Analyzer
Will you owe taxes when you sell? Model your exclusion, adjusted basis, and estimated tax bill.
HomeownershipOpen ↗
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Move-Up Math
Is upsizing worth it? Compare the full cost of your current home vs. a more expensive one.
HomeownershipOpen ↗
🛡️ Health & SafetyQuick-reference tools for emergencies and everyday wellbeing.