Where your money decisions live
Know exactly what you keep.
Paychecks, bonuses, debt, and rent vs. buy — turned into the real number, in seconds. No signup, no upsell.
Start with the questions people actually ask.
What your take-home really is, whether the month adds up, and how long until the debt is gone.
The Paycheck Snapshot
See your real take-home after federal, state, and FICA taxes. Every state, using the same percentage method employers use.
The Cash Flow Lens
Check whether your monthly numbers add up — and where the pressure is. Honest about what it covers (and doesn’t).
The Debt Clock
How many months until this debt is gone, and how much sooner with an extra $50 a month. Math that respects compounding.
More tools when you need them
See all tools →Emergency Fund Sizing
How much should I keep liquid before investing more?
Open the tool →Multi-Debt Avalanche
Which debt do I pay off first to save the most interest?
Open the tool →Refi Break-Even
When does refinancing actually pay off, once you count the closing costs?
Open the tool →Rent vs. Buy
Buy at this price and rate, or keep renting? The year-by-year break-even.
Open the tool →Most financial calculators are surrounded by advertising and lead-gen. This one isn’t.
Aplomia doesn’t sell leads, doesn’t require an account, and doesn’t bury its sources. Every number is computed from publicly cited tax tables — and every result links to the source so you can verify the math yourself.
See our sources