A taste of the engine, free to use
Real, hand-crafted finance math you can use right now. Each tool only knows what you type in; the full FinPal knows your whole picture.
For learning and planning, not financial advice. The investment return presets follow the forward-looking method of Aswath Damodaran at NYU Stern.
Available now
Debt Payoff CalculatorCompare avalanche vs snowball with your real debts, and see your debt-free date and the interest you save.Avalanche vs snowballReal datesInterest savedOpen Investment ForecasterA Monte Carlo forecast: the realistic range of where your portfolio could land, and your odds of reaching your goal.Monte CarloGoal oddsRetirementOpen Mortgage CalculatorCanada and the US: your real payment, the insurance you actually pay, and whether a lender would say yes.CMHC & PMIAffordabilityCanada + USOpen Loan CalculatorThe true cost of borrowing and the effective APR, with two offers compared head to head to find the cheaper one.Effective APRCompare offersPromo & BNPLOpen
Coming soon
Bond CalculatorYields, prices, and duration for your fixed income.Coming soon
Stock ValuationDiscounted cash flow and relative valuation, done plainly.Coming soon
Savings GoalPlan a goal with contributions and a real timeline.Coming soon
FIRE CalculatorYour financial-independence number and the path to it.Coming soon
Options & DerivativesBlack-Scholes pricing and the Greeks, explained.Coming soon
The tools are the taste. The plan is the meal.
These calculators answer one question at a time. The full FinPal pulls your whole picture together, your debts, budget, goals, and income, into one plan that adapts as life changes.
No AI. Hand-crafted math.Free, no signup.Your data stays yours.We never move your money.