Smart, simple tools to help you make better money and life decisions. Click any active card to get started.
💰 Finance & Debt Management
Credit Card Payoff
See exactly when you’ll be debt-free and how much interest you’ll save.
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Mortgage Payment
Calculate PITI, amortization, and compare loan offers.
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Personal Loan EMI
Monthly installment, total interest, and payment breakdown.
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Compound Interest
See how your money grows over time with regular contributions.
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Student Loan Refinance
Compare current vs. new rates. See interest saved and break‑even.
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Auto Loan Calculator
Monthly payment, total interest, and true cost of your car loan.
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Crypto Profit/Loss
Net gain or loss on any crypto trade, with fees.
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🏡 Real Estate & Investing
Home Affordability
How much house can you afford based on income and debt?
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Rental Property ROI
Cap rate, cash-on-cash return, and monthly cash flow analysis.
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Mortgage Refinance
Break‑even point, monthly savings, and total interest saved.
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❤️ Health & Life Planning
BMI Calculator
Body Mass Index and healthy weight range analysis.
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Calorie Deficit
Daily calorie target for weight loss based on BMR & activity.
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Due Date Calculator
Estimate your baby’s arrival date based on your LMP.
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Life Insurance Needs
Calculate how much coverage your family actually needs.
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📊 Business & Marketing
ROAS Calculator
Measure your ad campaign profitability. See if your spend is working.
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Freelance Hourly Rate
Find your minimum sustainable rate. Stop undercharging.
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AI Token Cost
Compare API costs for GPT‑4o, Claude, and Gemini.
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Break‑Even Analysis
Units needed to cover fixed and variable costs.
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⚖️ Legal & Insurance
Personal Injury Settlement
Estimate claim value. Medical bills, lost wages & pain multiplier.
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Car Insurance Estimator
Monthly premium estimate. Age, record, vehicle & coverage.
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More high-accuracy tools added monthly. Built by theshirlshirl.com — boring, useful, profitable.