Emergency Fund Planner
Know exactly how much to save — and how fast you'll get there.
For anyone without 3–6 months of expenses saved.
- 3, 6, or 9-month target based on your real expenses
- Personalized monthly savings plan
- Progress log + milestones
FreedomAtlas Tools
Tools to take control of your money
Four focused calculators that turn your numbers into a plan you'll actually follow. Try any of them free — upgrade only when you want to save, track, and export.
The toolkit
Each tool solves one specific money problem. Use the one you need today.
Financial Freedom Calculator
Map your path through the four levels of financial freedom.
For long-term thinkers planning toward independence.
- Year-by-year projection to each freedom level
- Compare up to 3 scenarios side-by-side
- Downloadable Freedom Roadmap PDF
Debt Snowball Planner
Pay off your debts with a clear, ordered payoff plan.
For anyone juggling credit cards, loans, or medical debt.
- Snowball vs. avalanche comparison
- Full month-by-month payoff schedule
- See your debt-free date instantly
Budget Planner
Score your spending against the 50/30/20 rule.
For people who want to spend intentionally without spreadsheets.
- Instant 50/30/20 health score
- Category drill-down & trends
- Personalized coaching insights
Savings Goal Calculator
Plan any goal — vacation, wedding, down payment, baby.
For anyone saving toward a specific future purchase.
- Custom timeline with compounding APY
- Milestone breakdown to 25 / 50 / 75 / 100%
- See exact monthly contribution to hit the deadline
Mortgage Payoff Calculator
Pay off your mortgage years early — see exactly how.
For homeowners who want to crush years of interest.
- Extra principal, biweekly, and annual lump strategies
- See interest saved and your new payoff date
- Year-by-year balance comparison chart
Net Worth Tracker
Track the one number that proves it's working.
For anyone who wants a real picture of their financial life.
- Full assets vs. liabilities breakdown
- Benchmark vs. age × income ÷ 10 target
- Year-over-year growth trendline
Compound Interest Calculator
See how time and contributions turn into real wealth.
For long-term investors who want to see the curve do the work.
- Year-by-year growth chart with stacked contributions + interest
- Adjustable compounding frequency and contribution timing
- Effective APY, doubling time, and coaching insights
Retirement Calculator
Will your money last as long as you do?
For anyone within 30 years of retirement who wants an honest readiness check.
- Readiness score against a fully-funded target
- Social Security, inflation, and withdrawal-rate stress tests
- Year-by-year balance through life expectancy
Paint Calculator
Buy the right amount of paint, the first time.
For DIYers and homeowners planning any interior or exterior paint project.
- Gallon + primer + labor estimates by room
- Interior / exterior modes with surface-specific coverage
- Material and labor cost breakdown
Concrete Calculator
Order the right amount of concrete, the first time.
For DIYers and homeowners pouring slabs, footings, columns, or stairs.
- Cubic yards + bags for any shape
- Bagged vs ready-mix cost comparison
- Rebar and labor cost breakdown
Car Affordability Calculator
Know before you sign — 20/4/10, true monthly cost, and your max price.
For anyone shopping for a car who wants to avoid being house-poor on wheels.
- Instant 20/4/10 rule, payment-to-income, and DTI checks
- All-in monthly cost: payment + insurance + fuel + maintenance
- Reverse-solves the max vehicle price your income supports
Tax Refund Optimizer
Project your 2025 refund and stop overpaying the IRS.
For W-2 earners who want a quick read on their refund, withholding, and tax-saving moves.
- 2025 federal brackets + standard deduction baked in
- Personalized W-4 fix and 401(k)/HSA/IRA move ranker
- Effective and marginal rate at a glance
Credit Card Payoff Calculator
See your real debt-free date — and the interest you'll save with every extra dollar.
For anyone juggling multiple credit cards who wants a clear payoff plan.
- Compare avalanche, snowball, and minimums-only side by side
- Card-by-card payoff month and interest breakdown
- Coaching on extra payments and balance-transfer moves
GPA Calculator
Your real GPA in 30 seconds — term and cumulative on the standard 4.0 scale.
For college and high school students tracking academic performance.
- Standard US 4.0 scale with +/- variants
- Rolls prior cumulative credits into a new cumulative GPA
- Coaching on what your GPA unlocks (scholarships, internships, grad school)
Weighted GPA Calculator
Weighted and unweighted side by side, with Honors +0.5 and AP/IB +1.0 bonuses.
For high school students with mixed-rigor course loads.
- Honors, AP/IB, and dual-enrollment bonuses applied automatically
- Both weighted and unweighted GPA in one view
- Coaching on what admissions readers actually look at
Paycheck Budget Calculator
Turn your paycheck into a real 50/30/20 plan.
For W-2 earners who want a budget that actually fits their pay schedule.
- Weekly, bi-weekly, semi-monthly, monthly support
- Custom needs / wants / savings split
- Live gap analysis vs. today
Loan Comparison Calculator
See which loan actually costs you less.
For anyone shopping for a personal, auto, or refi loan.
- Up to 3 offers side by side
- Effective APR with fees baked in
- Extra-payment scenarios per offer
Rent vs. Buy Calculator
Run the real math over your actual hold period.
For anyone deciding between signing a lease or a mortgage.
- Full cost including maintenance, taxes, appreciation
- Opportunity cost on the down payment
- Break-even year identified
401(k) Contribution Calculator
Project your 401(k) — and never miss the match.
For anyone with an employer-sponsored 401(k).
- 2025 IRS limits + catch-up
- Employer match capture check
- Year-by-year balance to retirement
Roth IRA Calculator
Grow retirement dollars completely tax-free.
For anyone who wants tax-free withdrawals in retirement.
- 2025 contribution limits + catch-up
- Roth vs. Traditional after-tax comparison
- Long-horizon growth chart
Inflation Calculator
What is your money really worth across decades?
For researchers, writers, planners, and anyone comparing values across time.
- Official BLS CPI-U from 1913–2025
- Total and annualized inflation
- Purchasing-power loss over time
Cost of Living Calculator
See the salary you'd need in a new US city.
For anyone considering a relocation or remote-work move.
- 45+ US metros with composite index
- Category breakdown: housing, food, transport, healthcare, utilities
- Equivalent-salary delta
Family Budget Calculator
Balance two incomes, kids, and long-term savings.
For households juggling childcare, 529 contributions, and retirement.
- Dual income + dependents
- Per-person and per-kid spend breakdown
- Household savings-rate scorecard
FIRE Calculator
Model your path to Financial Independence, Retire Early.
For high-savings-rate earners planning early retirement.
- Lean / Regular / Fat / Coast / Barista FIRE variants
- 4% rule with adjustable withdrawal rate
- Target age and FIRE number
Deck Cost Calculator
Budget your deck project before you call a contractor.
For homeowners planning a new deck.
- Pressure-treated, cedar, composite, PVC, or Ipe
- Materials + labor + railings + stairs + demo
- Lifespan and ROI at resale
Save unlimited scenarios
Compare what-ifs side-by-side. Your data syncs across devices and never gets sold.
Export polished PDFs
Every tool ships a personalized PDF roadmap you can share or print.
Cancel anytime
Two clicks in the billing portal. Keep access through the end of your period.
Pricing
One plan. Every tool.
Become a Freedom Fighter and unlock every calculator, the Freedom Coach™, unlimited goals, full score history, and every future Quest — for one price.
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Freedom Fighter
$12per month
or $96/year — save 33%
See full pricing →Cancel anytime. Every tool stays free for one-shot use.