Debt payoff
Credit Card Payoff Planner
Combine up to five card balances, APRs and monthly payments. See modeled interest, test extra payments, compare avalanche vs. snowball and work backward from a payoff goal.
Build a debt payoff plan →Financial Calculators
Run the simple math. Then see what the decision really means.
These quick calculators are designed as easy entry points. Get the headline answer first, then open a graph or year-by-year table if you want the path behind the number. Each calculator also points to a deeper Terra decision tool when the simple math is no longer enough.
Reviewed · Sep 24, 2026
Start with the question
Fifteen focused calculators.
No login. No black-box score. Change the assumptions, inspect the graph or table, and save a scenario to My Terra if it is worth revisiting.
Retirement income bridge · New
Retirement Balance-to-Income
Turn a 401(k), IRA or portfolio balance into first-year monthly income, add Social Security and pension income, compare spending and stress-test a retirement horizon.
What income could my balance support? →Mortgage decision · New
Buy Now vs. Wait
Compare buying now with waiting for a different rate, including rent, future home price, down-payment savings, closing costs and an optional refinance.
Compare buy now vs. wait →Mortgage structure · New
ARM vs. Fixed Mortgage
Measure the ARM's lower starting payment, then stress-test annual resets, adjustment caps, cumulative interest and the rate that would erase the modeled advantage.
Compare ARM vs. fixed →Home equity decision
HELOC vs. Home-Equity Loan
Compare a variable-rate HELOC, a fixed home-equity loan and a no-loan alternative. Stress-test the HELOC rate and see the effect of interest, fees and debt consolidation.
Compare home-equity borrowing →Mortgage decision
Mortgage Points Break-Even
Compare a zero-point mortgage with a lower-rate quote that charges discount points. See the monthly savings, break-even time and net result if you sell or refinance.
Should I pay mortgage points? →Purchasing power
Inflation & Purchasing Power
See what today's spending may require in future dollars — and what the same nominal amount may buy later.
Translate purchasing power →Insurance planning · New
Life Insurance Needs
Build a transparent coverage gap from income support, caregiving, debts, future goals, assets and existing coverage — with and without workplace insurance.
Estimate the coverage gap →Savings goals
Savings Goal
Work backward from a target amount and date to estimate the monthly saving pace, then compare it with what you're doing now.
Build a savings target →Tax-aware retirement saving
Roth vs. Traditional
See when paying tax now (Roth) or later (Traditional) leads under the same pre-tax saving budget — and where the tax-rate break-even sits.
Compare Roth vs. Traditional →Social Security
Claiming Age Comparison
Use your own SSA estimates at 62, full retirement age and 70 to compare cumulative benefits and crossover ages.
Compare claiming ages →Social Security · historical what-if
Social Security Taxes vs. S&P 500
Use your yearly Social Security earnings record to estimate employee payroll taxes, model hypothetical S&P 500 growth and compare the resulting balance with your monthly benefit.
Run the historical what-if →Growth
Compound Interest
Starting balance + monthly contributions + return + time. See how much comes from your dollars versus modeled growth.
Calculate compound interest →Growth + real-world friction
Investment Growth
Add a simplified annual cost and inflation assumption to see nominal, today's-dollar and no-cost comparison values.
Project investment growth →Workplace retirement
401(k) Employer Match
Model simple or tiered employer-match formulas, see the contribution rate that captures the full modeled match, and project the long-term difference associated with the employer contribution.
Calculate my employer match →Costs
Investment Fee
Compare two annual cost assumptions and see the direct modeled fees plus the ending-value difference from lost compounding.
Compare investment fees →Go deeper
When the simple calculator raises the next question.
Retirement Reality Check
Turn a projected balance into a retirement runway, today's-dollar value and first-year spending-coverage scenario.
Advisor True-Cost
Go beyond one fee percentage with tiers, fund expenses, tax drag, dividends, withdrawals and a return hurdle.
Tax Drag Reality Check
Estimate the tax friction created by taxable dividends, distributions and gains, or plan a new taxable investment.
401(k) Reality Check
After understanding the employer match, investigate representative fund performance, objectives and expense ratios.