Education & Family Calculators
Big family goals reward starting early. These tools cover college saving, paying down student and consumer debt faster, and planning for the costs ahead.
529 College Savings Calculator Project how a 529 plan grows with regular contributions before college starts. Student Loan Payoff Calculator See how paying extra each month gets you out of student debt faster and cuts total interest. Credit Card Payoff Calculator See how long a credit card takes to pay off and how much extra payments accelerate it. Debt Snowball vs Avalanche Calculator Enter your debts and a monthly budget to see the snowball and avalanche side by side, with the months and interest each one costs. Life Insurance Calculator Estimate how much life insurance you need with the DIME method, adding debt, income, mortgage, and education, then subtracting what you have. Personal Loan Calculator See the monthly payment, total interest, and payoff time on a personal loan, and how much extra payments save. Debt Consolidation Calculator See whether rolling your debts into one loan lowers your monthly payment and your blended interest rate. Balance Transfer Calculator See whether a balance transfer saves more in interest than its fee costs, with the net savings and the break-even month. Loan Comparison Calculator Compare up to three loans side by side on monthly payment and total interest, and see how much the cheapest saves. Term vs Whole Life Insurance Calculator Compare term and whole life by investing the premium difference, to test whether buy term and invest the rest wins. HSA vs FSA Calculator Compare an HSA and an FSA. Both cut this year taxes, but only an HSA rolls over and grows tax-free. Cost of Raising a Child Calculator Estimate the full cost of raising a child to 18, growing each year cost by inflation, in both future and today dollars. Disability Insurance Calculator Find the monthly disability benefit you need to replace your income if you could not work, after any coverage you have. Child Tax Credit Calculator Estimate your 2026 Child Tax Credit from the number of children and your income, including the phase-out. Dependent Care FSA vs Credit Calculator Compare the Dependent Care FSA and the Child and Dependent Care Credit to see which saves more on childcare. HDHP vs PPO Calculator Compare an HDHP with an HSA against a PPO on total annual cost, including premiums, out-of-pocket, and the HSA tax break. Long-Term Care Calculator Estimate the future cost of long-term care and the gap your savings leave, so you can size coverage.