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Financial Calculators
Fourteen free tools with the same philosophy as the Tesserae app: real math, plain English, and an honest note about what each result papers over. Nothing you type is sent anywhere.
Growing money
How savings grow, how long a goal takes, and where your net worth stands.
Compound interest
What a balance plus monthly saving grows into — and the year growth starts out-earning your contributions.
Savings goal
Work backwards from a target: the exact monthly amount that reaches any goal by any date.
Monte Carlo retirement odds
Your plan replayed against 1,000 randomized market histories, or every real stretch since 1871 — the odds it survives, and the range of endings.
Net worth percentile by age
Where you stand vs. US households your age — with separate curves for singles and couples, from the Fed's own survey data.
Home & debt
Buying, borrowing, refinancing and paying it off.
Mortgage
The full monthly payment with taxes, insurance and PMI — plus exactly what extra payments buy back.
Refinance break-even
How long the savings take to repay the closing costs — and whether the new loan truly costs less over its life.
Rent vs. buy
The honest invest-the-difference comparison: home equity vs. an invested down payment, year by year.
Debt payoff
Your debt-free date under avalanche and snowball — and what an extra monthly payment saves in years and interest.
Retirement & tax
When you can stop saving, when to claim, and what taxes take.
Coast FIRE
The balance that makes saving optional — compounding alone carries you to retirement — and the age you'll reach it.
Social Security break-even
Claim at 62, 67, or 70? Every claiming age compared, with the break-even ages behind the longevity bet.
Roth vs. Traditional
The fair comparison and the break-even tax rate — honest that the "winner" is really a bet on future rates.
Roth conversion
The exact tax on a conversion, bracket by bracket, with fill-the-bracket amounts and a multi-year schedule.
RMD
Your required minimum distribution from age 73 — this year's amount, the tax bite, and the full schedule.
72(t) / SEPP
Penalty-free IRA income before 59½ — the payment under both IRS methods, the lock-in, and the catches.
These are one-question tools — Tesserae answers the whole thing
Net worth, budget, retirement plan with Monte Carlo odds and tax modeling, forecasts, goals — all your numbers in one place, taught in plain English as you go. Privacy-first: you enter your own numbers, and we never touch your bank login. $2.99/month after a free week.