What's inside
Compound Growth Calculator
What could your money grow to? A year-by-year projection at a growth rate you choose, with taxes and inflation. No goal, no withdrawals.
Try it — free →Freedom Date Calculator
When could work become optional? The year your investments could cover the yearly spending you want, in today's dollars.
Try it — free →Roth IRA for Kids Calculator
A child with a paycheck can have a Roth IRA. See what a few years of contributions could grow to, tax-free, by retirement.
Try it — free →Custodial Account Calculator
Invest for your child from day one (UTMA/UGMA). See what they'd have when they take it over, and what it becomes if they leave it alone.
Try it — free →Teen Account Calculator
A teen investing their own money (13 to 17), with an optional parent match. See what a few hundred dollars from a summer job can become.
Try it — free →Emergency Fund Calculator
How much cash to keep for a rough patch, and how long until you have it.
Try it — free →Debt Payoff Calculator
When your card or loan will be paid off, what an extra payment saves, and what that payment could grow to after.
Try it — free →True Cost of a Purchase Calculator
The price tag is what you pay today. The true cost is what that money would have grown to.
Try it — free →Mortgage Amortization Calculator
Where every mortgage payment goes: mostly interest at first. See what extra principal payments save.
Try it — free →Invest-First Home Budget Calculator
Not how much house a bank will lend you: how much fits after you've invested for your future first.
Try it — free →Rent vs Buy Calculator
Which leaves you wealthier after the years you'll stay: buying, or renting and investing the difference.
Try it — free →Pay Off the Mortgage or Invest? Calculator
Same extra money each month (and a yearly bonus): pay down the mortgage, or invest it. See which comes out ahead, after inflation.
Try it — free →529 College Savings Calculator
Will your 529 cover college? See the share it pays for, and the monthly amount that would cover it all.
Try it — free →Trump Account Calculator
The new account for kids: a $1,000 government deposit for babies born 2025 to 2028, up to $5,000 a year, and what it grows to.
Try it — free →Credit Card Benefit Tracker
Log the credits and perks on your Amex Platinum, Sapphire Reserve and more, so nothing resets unused. See at a glance whether each card is worth its fee on the way you actually use it.
Sign in to use →Card Offers
A browsable reference of current Amex Offers and Chase Offers — filter by card, category and channel. No sign-in needed.
Browse offers →Free vs Pro
Free
Free with an account
Create a free account to save your work and track your cards. New accounts get 14 days of Pro, free.
- Compound Growth CalculatorRun a projection, save it, tweak it later and share a read-only snapshot.
- Credit Card Benefits TrackerEvery credit and perk on every card, tracked before it resets.
- Card OffersCurrent Amex and Chase Offers in one filterable list. No account needed.
- Family data sharingInvite family to share your saved calculations, Credit Card Benefit Tracker and donations, and plan together.
- Freedom Date CalculatorWhen could your paycheck become optional? No account needed.
Paycheck Paradox Pro
$5 a month or $50 a year, with a 14-day free trial. Cancel anytime. Everything in the free account, plus:
- Weekly Market BriefOnce a week: the overall market plus specific stocks to watch, without the noise. Also a podcast episode.
- Moves That Matter: the analysis + audioThe news is free to read. Pro adds why each move matters, what to watch next, and audio summaries you can play one by one or all at once.
- Our trades, updated hourlyEvery trade including the last 30 days, with share counts and prices. In the app, get an alert when we make a new one.
- Our portfolio allocationEach stock's share of everything we hold, all our accounts combined, updated hourly. Percentages only.
- Market Calendar: every date, synced to your phoneThe next 7 days are free. Pro sees every earnings report, economic release, Fed meeting and big IPO ahead, past results, and adds the calendar to your phone's calendar app.
- On Our Radar: the deeper lookThe stocks our screen flags as oversold are free to see. Pro adds the few we're digging deeper on: our conviction, why each could recover, and the risk to watch.
- Stock pagesEvery stock we mention, in one place: the chart, key stats, financial statements from SEC filings, the analysts' 12-month forecast and our own view.
- Donation TrackerLog every gift with its receipt and photos, find any U.S. charity in seconds, and send your tax professional one tidy file. Family members you share with can use it too.
- Always GrowingWe add new tools regularly, included in your membership.