Free Personal CFO Tools

One narrow question. One useful number.

Each tool quantifies a single decision and exposes its assumptions. Everything you enter stays in your browser.

Debt payoff planner

Measure the time and interest saved by adding a fixed amount to a loan payment.

Current payoff
Faster payoff
Time saved
Interest saved
What comes next

Before choosing the extra payment, compare the interest savings with your reserve target, employer match, and other debt rates.

This is a fixed-rate estimate. Verify variable rates, fees, prepayment terms, federal loan protections, and tax treatment before acting.

Home affordability guardrail

Find a planning range that respects both monthly cash flow and cash left after closing.

Comfortable search floor
Planning ceiling
Estimated monthly ownership
Estimated cash at closing
What comes next

Replace the assumptions with a real lender quote, local property tax, insurance, HOA, maintenance, and closing estimates before setting the search range.

This is not a lender qualification. It uses a 36% total debt ceiling, a 30-year fixed loan, and 3% closing costs. Annual ownership costs should include local tax, insurance, HOA, and maintenance estimates.

Investment fee drag analyzer

Compare the long-term effect of two annual fee levels using the same contributions and return assumption.

Option A ending value
Option B ending value
Difference from fee assumption
No-fee hypothetical
What comes next

Inventory the actual fund, advisory, platform, plan, and transaction fees before using this result in an investment review.

Returns are hypothetical and not guaranteed. This simplified estimate subtracts fees from a constant annual return and does not model taxes, trading costs, volatility, or differences in service.

Emergency runway planner

Translate liquid reserves into months of essential outflow and a household-specific planning range.

Current runway
Planning range
Cash needed for lower target
Cash needed for higher target
What comes next

Choose a reserve policy based on the risks the cash must cover, then name the accounts and approved uses for that reserve.

The suggested range is a planning heuristic, not a universal rule. It adds runway for variable income, dependents, and property or business exposure. Insurance, deductibles, job risk, and near-term commitments still need review.

Savings goal pace calculator

Find the monthly contribution required to reach a dated cash goal.

Required monthly contribution
Total new contributions
Current savings at goal date
Target date
What comes next

Before increasing the contribution, check the goal against your reserve policy, debt plan, and other dated commitments.

The yield is a constant hypothetical assumption. Verify account rates, taxes, liquidity, deposit insurance, and whether market risk is appropriate for the goal date.

The number is the start, not the decision.

The 30-Minute Quarterly CFO Review turns numbers like these into a scored review and three assigned actions.

Get the free review