Money-clarity platform
Understand your money in 5 minutes.
RateImpact turns confusing money questions into plain answers. See your real monthly income, fix debt faster, and know what to do next - without finance jargon.
Accurate
Clear money math grounded in real inputs.
Readable
Plain-language takeaways and next steps.
Fast
Instant results with lightweight calculators.
Featured money answers
- Net Income Calculator Income
- Credit Card Payoff Debt
- Rent vs Buy Housing
Calculator index
Browse calculators by category
Each calculator page includes the formula, an example, and related tools to help you keep exploring.
Income & Reality
See your real monthly money and where it goes.
Net Income (Paycheck) Calculator
OpenEstimate take-home pay after taxes and deductions.
Why Am I Broke? Calculator
OpenSpot your biggest money leaks and disposable income.
Salary to Hourly Calculator
OpenConvert annual, monthly, and hourly pay (before or after tax).
Emergency Fund Calculator
OpenSet 1, 3, and 6 month targets and see how long it takes to build.
Debt & Credit
Pay down balances faster and cut interest.
Credit Card Payoff Calculator
OpenSee your payoff date and total interest.
Debt Snowball vs Avalanche
OpenCompare payoff strategies and interest saved.
APR Impact Calculator
OpenSee what a 1% APR change costs you each year.
Student Loan Payoff Calculator
OpenEstimate payoff time, interest, and the impact of extra payments.
Healthcare
Plan for insurance costs and tax-advantaged medical savings.
Mortgage & Housing
Run the biggest household decisions with confidence.
Mortgage Calculator
OpenEstimate monthly payments, total interest, and loan cost.
Rent vs Buy Calculator
OpenFind your break-even year for buying a home.
Extra Mortgage Payment Calculator
OpenSee years shaved and interest saved with extra payments.
Refinance Break-Even Calculator
OpenSee how long it takes to recoup closing costs.
Auto & Personal Loans
Compare loan options and avoid expensive terms.
Taxes
Understand refunds, withholding, and quarterly payments.
Retirement
Build confidence with simple retirement projections.
Inflation & Rates
See how rates and inflation change your buying power.
Life Scenarios
Make major decisions with clear money outcomes.
Utilities
Everyday and health calculators from the original library.
Compound Interest Calculator
OpenProject future balances with contributions and compounding.
Tip Calculator
OpenSplit a bill and compute gratuity in seconds.
Percentage Calculator
OpenSolve percent of, percent change, and ratio questions.
Age & Date Calculator
OpenFind the exact difference between two dates.
Unit Converter
OpenConvert common length, weight, and temperature units.
BMI Calculator
OpenCalculate body mass index with metric or imperial units.
Calorie (TDEE) Calculator
OpenEstimate daily calorie needs based on activity.
Money clarity guides
Understand the numbers before you decide
Short, plain-English guides that translate confusing money questions into monthly math.
Paycheck and Monthly Reality
Why Am I Broke Even Though I Make $80,000?
Turn a salary into monthly take-home, fixed costs, and the real buffer.
Housing and Big Bills
How Much House Payment Can I Actually Afford Per Month?
Set a monthly housing number based on take-home and buffer, not approval.
Taxes and Withholding
Why Is My Tax Refund Big but My Paycheck Small?
Translate a big refund into the monthly cash you gave up.
Why RateImpact?
We build calculators the way search engines and humans prefer: a fast, server-rendered page with concise explanations and a focused interactive tool. That means better rankings, better clarity, and better results for you.
- - Every calculator is checked against sample scenarios.
- - Results update instantly with Vue-powered inputs.
- - Structured content makes answers easy to scan.