Calculators
Every calculator shows its math.
Free to use. No email required to run the numbers. Pro subscribers unlock the full result, the scenario comparisons, and the saved history.
Available now
Start with the decision you're facing.
Refund Router
5 questions. A prioritized plan for exactly where to send a refund or surprise cash — emergency fund, HSA, Roth, or where-to-park.
Open →CD / T-Bill Ladder Builder
Build a rolling 3/6/12-month ladder with live top rates. Optimized for your state's income tax.
Build your ladder →After-Tax Rate Compare
HYSA vs T-Bills vs CDs vs money market — ranked by after-state-tax yield for three time horizons.
Compare rates →Refi Readiness Score
Break-even math for refinancing your mortgage. Current rate, loan balance, closing costs — months to break even, with a verdict.
Open →HYSA Comparison
Compare high-yield savings accounts side by side — APY, minimums, FDIC, and eligibility. Filter by your state.
Compare accounts →HSA Pace
Are you on track to max your 2026 HSA? The monthly pace to hit the limit, net of your employer's contribution, with the tax saved.
Check your pace →Benefits Decoder
Enter your employer benefits — 401(k) match, HSA, FSA, ESPP, commuter. We rank what to max first by guaranteed dollar return.
Open →Net Worth Percentile
Where do you stand by age? Anonymous — built from real reader entries. Context, not a scoreboard.
See where you land →Credit Card Switch
Break-even math on a balance transfer — the 0% intro window, the transfer fee, and the new APR. Net savings in dollars.
Run the math →T-Bill Auction Tracker
Current Treasury-bill yields and the state-tax-exempt edge vs your HYSA — for your state and amount.
Compare yields →Rate Watch
Top HYSA, CD, T-Bill, and mortgage rates — updated daily, with eligibility badges and filters.
Open Rate Watch →— The MoneyBrief Team