Financial Calculators - Girl Math 🥰

Handle Your Money

Welcome to your personal finance toolkit! Our financial calculators are designed to simplify the numbers and empower you to make smarter money decisions. Whether you’re planning a budget, saving for a goal, or figuring out the best way to pay off debt, these tools have you covered.

No matter where you are in your financial journey, these calculators are easy to use, actionable, and tailored to help you achieve your goals. Ready to crunch some numbers and take charge of your money? Dive in and start planning your financial success today!

Disclaimer: These calculators are for informational and educational purposes only. The results are estimates and not guaranteed. Please consult a financial advisor for personalized financial planning.

Girl Math Financial Calculators

Should You Buy or Should You Wait?

Buy or Wait? Calculator

Item Price ($)

Buy Now Options

Credit Card APR (%)

Minimum Payment ($)

BNPL Installments

BNPL Fees ($)

Personal Loan Interest Rate (%)

Save for Later

Monthly Savings Amount ($)

Desired Timeline (months)

Opportunity Cost (Optional)

Potential Investment Return Rate (%)

Holding Off on Investing? How Much Is That Costing You?

Cost of Waiting Calculator

Goal Amount ($)

Monthly Savings Amount ($)

Waiting Period (months)

Potential Investment Return Rate (%)

How Much Could You Save if Saving was a Habit?

52-Week Savings Habit Calculator

Weekly Savings Amount ($)

Challenge Duration (weeks)

Is That Purchase Really Worth It? Try the Spend vs Invest Calculator

Spend or Invest Calculator

Purchase Amount ($)

Expected Investment Return Rate (%)

Time Horizon (years)

Emotional Value of the Purchase (1-10)

Expected Lifetime of Purchase (years)

Sinking Fund Calculators

What Should Your Sinking Fund Goal Be?

Sinking Fund Goal

Expense Category 1 Amount ($)

Savings Deadline (optional, months)

Use this Sinking Fund Calculator to find your savings routine

Sinking Fund Savings Calculator

Goal Amount ($)

Savings Deadline (months)

Current Savings ($)

Savings Frequency

Extreme Savings Calculator (ideal scenario planning)

52-Week Savings Projection

Savings Goal ($) (optional)

Starting Amount ($)

Weekly Increment ($)

Challenge Duration (weeks)

Reverse Mode Start with the largest amount first

Every Little Bit Counts: A Micro-Savings Calculator

Micro-Savings Compound Interest Calculator

Weekly Savings Amount ($)

Challenge Duration (weeks)

Annual Interest Rate (%)

Lumpsum Investment Calculators

Lumpsum Investment Growth Calculator

Initial Investment Amount ($)

Annual Return Rate (%)

Investment Duration (years)

Lumpsum vs. SIP Investment Calculator

Lumpsum Investment Amount ($)

Lumpsum Return Rate (%)

SIP Contribution Amount ($)

SIP Frequency

SIP Return Rate (%)

Investment Duration (years)

Risk Assessment-Based Lumpsum Allocation Calculator

Total Lumpsum Investment ($)

Risk Tolerance Level

Investment Duration (years)

Tax-Adjusted Lumpsum Growth Calculator

Initial Investment ($)

Annual Return Rate (%)

Tax Rate on Earnings (%)

Investment Duration (years)

Lumpsum Early Retirement Planner

Initial Investment ($)

Annual Return Rate (%)

Years Until Retirement

Annual Withdrawal Need After Retirement ($)

Retirement Savings Calculators

Retirement Gap Calculator

Desired Retirement Savings Goal ($)

Current Savings Amount ($)

Current Annual Savings ($)

Expected Annual Return Rate (%)

Years Until Retirement

Debt Payoff Calculators

Basic Debt Payoff Calculator

Debt Payoff Calculator

Current Debt Balance ($)

Annual Interest Rate (%)

Monthly Payment Amount ($)

Extra Monthly Payment ($)

Student Loan Payoff Calculator

Current Loan Balance ($)

Annual Interest Rate (%)

Monthly Payment Amount ($)

Extra Monthly Payment ($)

Budget Planning Calculators

Monthly Budget Planner

Monthly Income ($):

Category Name: Allocation Amount ($): Allocation Percentage (%):

50/30/20 Budget Planner

Monthly Income ($):

Adjust Budget Percentages (Optional):

Needs (%): Wants (%): Savings/Debt (%):

Breakdown for Each Category:

Needs Breakdown

Category: Amount ($):

Wants Breakdown

Category: Amount ($):

Savings/Debt Breakdown

Category: Amount ($):