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Split the Bill
Split bills item-by-item with friends — tax and tip follow proportionally. No signup needed.
Split a bill →Free Tools — No Sign-Up Required
Free finance tools
Bill splitters, tax and income calculators, and savings planners — using current IRS figures and transparent rate assumptions (including an editable ~3% inflation default). Built on the same engine that will power the Spend Sense app.
Data as of March 2026. 2026 tax figures are projected/extrapolated from IRS Rev. Proc. 2024-40 and are not yet finalized by the IRS.
Splitting & Budgeting
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Is It Worth It?
See how many hours of work a purchase actually costs — enter your income and a price for an instant verdict.
Check if it's worth it →Income & Tax
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Paycheck Calculator
Estimate net pay after federal taxes, FICA, state tax, 401(k), HSA, FSA, and all pre-tax deductions. Auto-detects your state.
Calculate your paycheck →Available now
Capital Gains Tax Calculator
Calculate short-term and long-term capital gains tax using 2026 IRS brackets. Includes Net Investment Income Tax (NIIT).
Estimate capital gains tax →Available now
Self-Employment Tax Calculator
Calculate SE tax (15.3%), deductible half, and estimated quarterly payments for freelancers and business owners.
Estimate SE tax →Savings & Growth
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Compound Growth Simulator
Project investment growth with monthly contributions, variable compounding frequency, and inflation adjustment.
Project your growth →Available now
Emergency Fund Calculator
Calculate your target emergency fund based on monthly expenses and desired months of coverage.
Size your emergency fund →Available now
Savings Goal Timeline Calculator
Calculate exactly how long it takes to reach a savings goal with a set monthly contribution and interest rate.
Plan your timeline →Credit & Debt
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Debt-to-Income Ratio Calculator
Calculate your DTI ratio and understand how lenders evaluate your financial health for mortgages and loans.
Check your DTI →Available now
Credit Score Factor Simulator
Educational band estimates from utilization, payment history, inquiries, and account age — not a real FICO or VantageScore.
Simulate score factors →Available now
Loan Amortization Calculator
Full amortization schedule for any loan. Shows total interest paid and the impact of extra monthly payments.
See your amortization →Cost of Living
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Inflation & Purchasing Power Calculator
Measure how inflation erodes purchasing power over time. Defaults to a ~3% inflation estimate based on typical government data — not pulled live from government sources.
Check purchasing power →