igmetricDecisions, decoded.
Big money choices hide behind small numbers. Figmetric makes the math visible — in under a minute.
Pick your decision
Thirteen calculators organized by the choice you're actually making — kill debt, buy a home, retire early.
Type your numbers
No signup, no account. Your numbers never leave your browser — type and get answers instantly.
See the answer
Side-by-side strategies, months and dollars, with the methodology shown so you can check the work.
Calculators
Thirteen free calculators, grouped by the decision you're trying to make. No signup — pick one and start typing.
Get out of debt
Avalanche vs Snowball
Compare avalanche vs snowball payoff strategies side by side — months, interest, and payoff order for each.
Run the numbers →Balance Transfer Analyzer
0% balance transfer or stay put? See the fee, interest avoided, and the payment needed to beat the promo clock.
Run the numbers →0% Promo Juggler
Juggling several 0% promos? One payment plan that clears every balance before the clocks run out.
Run the numbers →Debt vs Invest
Pay down debt or invest the extra cash? Compare net worth, interest paid, and the breakeven return.
Run the numbers →Investing & retirement
Compound Growth
What could your money grow to? Future value, year-by-year growth, and the true cost of waiting.
Run the numbers →Roth vs Traditional
Roth or Traditional retirement account? Compare after-tax values side by side at your tax rates.
Run the numbers →FIRE Number
Your FIRE number, years to financial independence, and projected FI date — from your spending and savings rate.
Run the numbers →Housing
Rent vs Buy
Renting or buying? Breakeven year, total costs, and equity built — side by side for your stay.
Run the numbers →Home Equity
How much equity do you have — and what could you borrow against it? LTV, 80% CLTV limits, HELOC estimates.
Run the numbers →Refinance Analyzer
Should you refinance? Monthly savings, breakeven point, and total interest over the years you'll stay.
Run the numbers →Mortgage Payoff
What extra mortgage payments do for you: months shaved off, interest saved, and your new payoff date.
Run the numbers →Loans & taxes
Free tools. Pro spreadsheet.
Every calculator is free forever. If you want your payoff plan as a spreadsheet you keep, there's the Pro dashboard.
Debt Payoff Planner
List your debts, pick avalanche or snowball, see your debt-free date. Delivered by email.
$0
Get the free plannerDebt Payoff Dashboard Pro
The full dashboard: track every debt, model extra payments and lump sums, compare strategies side by side, and watch your debt-free date move. Yours forever.
$9.99 one-time
Get the Pro DashboardGet the free Debt Payoff Planner spreadsheet
Our most popular calculator, as a spreadsheet you can keep: list your debts, pick avalanche or snowball, and see your debt-free date. Free — delivered by email.
No spam, ever. Unsubscribe anytime.
Guides
Plain-English explainers on the forces moving your money — then jump into the calculator that applies them.
How Bond Yields Affect You
How bond yields quietly set your mortgage rate, savings yield, and 401(k) bond value — the transmission chain in plain English.
Read the guide →Fed Rate Changes & Your Wallet
How Fed rate moves pass through to your credit card APR, HELOC payment, and savings yield.
Read the guide →Inflation, Plain English
Why inflation shrinks what each dollar buys — and how TIPS and I-bonds are designed.
Read the guide →Watch & learn
Thirty-second money explainers — the math behind the calculators, in plain English.
Minimums are a trap
Minimums are a trap
Why minimum payments cost $28k in interest on $30k of debt — and what $200 extra a month does.
The 0% transfer trap
The 0% transfer trap
A balance transfer can save $3,000+ in interest — but only if you beat the promo clock.
Time does the heavy lifting
Time does the heavy lifting
$100 a month at 7% becomes ~$122k in 30 years. Starting early beats saving more.
Real math. Real money.
Illustrated example: $30,000 across three cards — $12,000 at 24.99%, $10,000 at 19.99%, $8,000 at 14.99% APR, each with a 2.5% minimum payment. Paying minimums only (71 months, $22,539 in interest) vs. minimums + $200/month aimed at the highest rate first (46 months, $13,026 in interest). Computed by the free calculator below — your numbers will differ.
Free, always
Every calculator is free. No paywalls, no trials, no "premium results."
No signup to calculate
Open a tool and start typing. Your numbers never leave your browser.
Shows its work
Every calculator includes a methodology note with its formulas and assumptions — so you can check the math.
Figmetric may earn a commission if you apply through sponsored links on this site, at no cost to you.
Stop guessing.
Start calculating.
In the illustrated example above, the difference between minimums and a plan is $9,513. Find out what your numbers say — free, in under a minute.
FAQ
Are the Figmetric calculators really free?
Yes. Every calculator is free to use with no account or signup. We may earn a commission if you apply for a product through a sponsored link, at no cost to you.
Is Figmetric financial advice?
No. Figmetric provides educational calculators only. This is not financial, tax, or legal advice. Results are simplified estimates — verify important decisions with a qualified professional.
How accurate are the calculators?
The calculators use standard financial math — amortization, compound interest, and payoff simulations — and each one includes a methodology note showing its formulas and assumptions. Treat results as planning estimates, not bank statements.
Do I need to sign up to use the calculators?
No. You never need an account to run a calculation. An email address is only needed if you want the free Debt Payoff Planner spreadsheet delivered to you.