Makebetterfinancialdecisions,whereverlifetakesyou.
Transparent calculators, comparisons and planning tools for retirement, taxes, housing, debt and life abroad. US-first. No signup required.
INPUTS
RESULT
Success probability
87%
Across 1,000 simulations
DECISION JOURNEYS
What are you trying to decide?
Pick a question and we'll walk you straight into the right tool — not a category page.
Can I retire?
Start journey →Can I afford a home?
Start journey →How should I pay off debt?
Start journey →What will my take-home pay be?
Start journey →Should I move or retire abroad?
Start journey →Should I sell or rent my home?
Start journey →How do I compare two job offers?
Start journey →How much should I save?
Start journey →FLAGSHIP TOOLS
Popular calculators
Retirement Monte Carlo
10,000 simulated market paths. See the probability your plan survives — and what changes it most.
Comfortable Home Affordability
Not what a lender approves — what your budget actually supports, with taxes, insurance and maintenance.
Take-Home Pay by State
Federal, state, FICA and pre-tax deductions — compare offers or a relocation in one view.
Debt Payoff Command Center
Avalanche vs snowball vs custom. A monthly plan with a payoff countdown and interest avoided.
Refinance Break-Even Watch
Enter your loan once. We alert you when the break-even falls under your threshold.
Job Offer Comparison
Salary, bonus, RSUs, benefits, cost of living and taxes — side by side, saved for the negotiation.
RATE WATCH
Current rate snapshot
Sourced, dated, and wired into every calculator. Set a watch and we'll tell you when your break-even changes.
30-yr fixed mortgage
6.48%
▼ 0.06 this week
15-yr fixed mortgage
5.71%
▼ 0.04 this week
Top high-yield savings
4.35%
▲ 0.05 this week
12-month CD (top)
4.20%
— unchanged
10-yr Treasury
4.12%
▲ 0.03 this week
EUR / USD
1.0842
▲ 0.21% this month
Illustrative values. Live rates display source and as-of date.
- SEP 15Q3 estimated-tax payment due
- OCT 15Extended filing deadline (incl. Americans Abroad)
- DEC 31401(k) contribution deadline for 2026
- DEC 31RMD deadline if you're 73+
AMERICANS ABROAD
Your US finances, anywhere on earth.
The only dedicated planning suite for US citizens living, working or retiring overseas. Keep the 401(k). Track the 330 days. Know what the euro is doing to your monthly budget.
FIVE-MINUTE CHECKUPS
Quick financial checkups
No signup. Scored transparently on the factors shown.
WHY TRUST FINANCEMONTY
Numbers you can check yourself.
Every formula documented
Open the methodology drawer on any result and see exactly how it was produced — sources, versions and limitations included.
Deterministic, never invented
Tax rates, thresholds and limits come from version-controlled rules, not language-model guesses. AI only explains — it never calculates.
Reviewed and dated
Each tool shows its applicable year, reviewer and last-updated date. If a rule changed, you'll see it flagged.