Nine free calculators
Free calculators for
money, work, and retirement.
Enter a few assumptions and get a clear estimate. Explore emergency savings, mortgage payments, retirement, and work decisions with every formula available to inspect.
Model library
Nine useful places
to begin.
Open a focused calculation here, then carry it into Continuum when you want the full preview and a document that stays editable.
Emergency fund calculator
A useful emergency fund is not just a savings total. It is the number of essential months your remaining cash can cover after an immediate shock and any reliable replacement income.
Open calculator →02HousingMortgage repayment calculator
A mortgage payment is only one part of the housing decision. The useful view combines principal, interest, recurring property costs, and the share of household income committed each month.
Open calculator →03Work and timeReal hourly rate calculator
Your real hourly rate is monthly pay divided by all recurring time committed to the job—not only the hours printed on the contract.
Open calculator →04Independent workContractor hourly rate calculator
A sustainable contractor rate must pay for business costs, tax, and non-billable work from the smaller pool of hours a client can actually be charged for.
Open calculator →05RunwayCash runway calculator
Cash runway is the time until available cash reaches zero under an explicit burn and income assumption. If costs are changing, a fixed cash ÷ burn estimate can be misleading.
Open calculator →06Financial independenceFIRE calculator
A FIRE projection asks when an inflation-adjusted portfolio may reach annual spending divided by the chosen withdrawal rate while contributions continue.
Open calculator →07Financial independenceCoast FIRE calculator
Coast FIRE is reached when the portfolio already invested can plausibly grow to the retirement target by the retirement age without additional contributions.
Open calculator →08Long-term growthInvestment growth calculator
Investment growth should be read in two numbers: the future account balance and what that balance may buy after the inflation assumption.
Open calculator →09SaaS unit economicsLTV to CAC calculator
A useful LTV:CAC model derives lifetime value from gross profit and churn, then reads the ratio beside CAC payback instead of treating one benchmark as a verdict.
Open calculator →The method behind the models
Clear thinking is more than a result.
Use these guides when the problem is still vague and the first job is deciding what belongs in the calculation.
How do I compare outcomes when assumptions change?
Keep a baseline. Change one assumption. Compare the outcome.
Read guide Clear reasoningHow do I decide when numbers are only part of the answer?
Separate facts, assumptions, and the tradeoffs that need judgment.
Read guide Practical decision guideHow much emergency fund do I need?
Test a surprise bill alongside months of essential spending.
Read guide Practical decision guideHow long will my savings last?
See how spending and income affect your savings timeline.
Read guide Practical money guideCoast FIRE vs FIRE: two different milestones
Separate today's investment milestone from your retirement target.
Read guide Work decision guideIs a higher salary worth a longer commute?
Compare take-home pay with the time a job really takes.
Read guide Independent work guideHow much should I charge as a contractor?
Account for costs, unpaid time, and realistic billable hours.
Read guide Housing decision guideCan I afford a mortgage if costs rise?
Test the monthly housing load when rates or costs rise.
Read guide Small business guideHow long can my business run if revenue falls?
Compare cash runway with lower revenue or changing costs.
Read guide Project planningHow do I estimate a project when costs change?
Connect tasks, hours, contingency, and your rate.
Read guide