Tools
Free calculators for clearer money decisions
Every calculator on this page runs entirely in your browser, no login, no sign-up, nothing sent to a server. Each one shows the math it uses in plain language, applies it to the numbers you type, and links to the Nethaven app for the moment you decide you want those balances and trends to update on their own. Start with a single calculator, run the numbers, and graduate to the app when the workflow earns its place.
All calculators
11 free tools, pick one and start in seconds.
Net Worth Calculator
Add assets and liabilities and see your net worth split in seconds.
Debt Payoff Calculator
Compare snowball vs avalanche and see payoff dates side by side.
50/30/20 Budget Calculator
Split take-home pay into needs, wants, and savings - or set your own ratios.
Budget Builder
Add your own categories and watch the split update as you allocate income.
Savings Goal Calculator
Find your monthly contribution or how long a fixed deposit takes to land.
Emergency Fund Calculator
Set a target from essential expenses and see how close your savings are.
FIRE Number Calculator
Estimate your FIRE number, financial independence year, and Coast FIRE amount.
Coast FIRE Calculator
Find what you need invested today to stop contributing and still retire on time.
Rent vs Buy Calculator
See whether renting or buying leaves you richer, and the year buying pulls ahead.
Mortgage Calculator
See your monthly payment split into principal and interest, and what extra payments save.
Subscription Cost Calculator
Total up recurring charges and see what they cost per month and year.
Free to download
Keep the number live in Nethaven
A calculator is a snapshot. Track your accounts, net worth, budget, debt, and goals in Nethaven.
Not financial advice. Results are planning estimates, confirm figures with your financial institutions.