Should you? We ran the numbers. Worth it.
Free calculators that end every big money question with a straight answer — not twelve charts and a shrug.
Is it worth refinancing my car?
Compare your current loan to a new rate and see the real savings after fees — including the term-extension trap.
Run the numbers → CarsIs leasing worth it vs. buying?
Three-year true cost of leasing vs. financing the same car, counting the equity you'd build by owning.
Run the numbers → HomeIs buying a home worth it vs. renting?
Five-year cost of ownership — taxes, upkeep, closing costs — against renting, with the equity you'd gain.
Run the numbers → DebtWhich credit card should I pay off first?
Avalanche vs. snowball on your actual balances — months to debt-free and the interest gap between them.
Run the numbers → DebtPay off my loan early, or invest?
Same extra dollars, two futures — simulated month by month to your payoff date.
Run the numbers → HomeIs a 15-year mortgage worth it?
Higher payment against a six-figure interest gap — and the invest-the-difference case, tested.
Run the numbers → ShoppingIs an extended warranty worth it?
The price against what repairs would realistically cost — including the fine print's coverage gaps.
Run the numbers → ShoppingIs a Costco membership worth it?
Your groceries, gas fill-ups, and the Executive reward against the annual fee.
Run the numbers → HomeAre solar panels worth it?
Payback period and lifetime savings — updated for the end of the federal residential credit.
Run the numbers →How this works
Every calculator here answers exactly one question, and every one ends with a verdict: worth it, not worth it, or it depends. You get the answer first and the reasoning underneath, because you came here to decide something — not to read a finance lecture.
The math is transparent. Each page explains what it assumes, where the assumptions vary by state or situation, and which input changes the answer most. Nothing here is a sales funnel dressed as a tool: no email gate, no signup, no results held hostage.
These are estimates for education, not financial advice. Real terms depend on your lender, your credit, your state, and details no calculator can see. Use these to walk into a conversation informed, then confirm the specifics with someone who can see your whole picture.