Bertin Cyuzuzo

Tools

Savings & compound interest

See how a starting amount plus steady contributions grows over time.

What you already have saved right now.

How much you add each period you pick below.

This is your payment frequency (P/Y on a financial calculator).

The yearly rate, before compounding is applied.

How often interest gets added to the balance (C/Y).

How long you keep going.

END is the standard setting. START adds each deposit a little earlier, so it grows slightly more.

0
projected balance
You put in$0
Growth earned$0
How this is calculated
The tool turns your annual rate into an effective yearly rate based on how often it compounds, then works out the rate for each contribution period. That is what lets compounding and payments run on different schedules, like monthly deposits with daily compounding. It starts your balance, adds each contribution, and applies interest every period. END timing means each deposit lands at the end of the period, which matches a standard financial calculator.

Debt payoff planner

Add your debts, set what you can pay each month, and see the exact date you are debt free.

The total you will put toward all debts together each month.

The month you begin this plan.

Avalanche attacks the highest interest rate first. It saves the most money.

—
debt-free date
Time to pay off—
Total interest$0
Total you'll pay$0

How this is calculated
Each month, interest is added to every balance at its APR divided by 12. You pay the minimum on every debt, then whatever budget is left over goes to one target debt. Avalanche targets the highest rate, snowball targets the smallest balance. When a debt hits zero, the money that was paying it rolls into the next target, which is what makes both methods speed up as you go. The final payment on each debt is only as large as the amount left, so it is not rounded up to a full payment.

Reminder: these tools use simplified assumptions to teach the mechanics. Real products vary. Nothing here is a recommendation.