Your finances, clearly.

Free tools to understand where you stand, where you’re going, and whether you’re on track — without confusion, noise, or guesswork.

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Big Picture

Answer 5 questions. Get a plain-English snapshot of your financial situation.

Net Worth

Assets vs. liabilities with a full breakdown and plain-English interpretation.

Cash Flow

Monthly income vs. expenses with spending breakdown and sanity checks.

Health Metrics

Savings rate, emergency fund, DTI, and investment rate — each explained clearly.

Investments

Portfolio allocation and projected growth with what the numbers actually mean.

Retirement

Retirement projection with on-track analysis and gap-closing guidance.

Big Picture

Net Worth

Cash Flow

Health Metrics

Goals

Investments

Retirement

Answer a few questions for a plain-English snapshot of your finances. Nothing is saved.

Where are you right now?

Total assets — everything you own (savings, investments, property, vehicles)

Total debts — everything you owe (loans, cards, mortgage)

Monthly take-home income — after taxes, what hits your bank each month

Monthly expenses — rent, food, bills, subscriptions, everything you spend

Emergency savings — how many months of expenses could you cover without income?

Assets

Checking & savings balance ($)?

Investments, 401k, IRA, brokerage ($)?

Home or property market value ($)?

Other assets — vehicles, valuables ($)?

Liabilities

Remaining mortgage balance ($)?

Car loan balance ($)?

Student loan balance ($)?

Credit card balance ($)?

Net worth

Total assets

Total debt

Breakdown

Cash

Investments

Property

Debt

What this means

Common mistakes

Listing assets at purchase price instead of current market value
Forgetting retirement accounts — these are real assets
Not including all debts (personal loans, medical bills)
Net worth can be negative and still improving — the direction matters more than the number

Monthly Income

Take-home pay after taxes (monthly, $)?

Side income, freelance, etc. (monthly, $)?

Monthly Expenses

Rent or mortgage payment (monthly, $)?

Groceries & dining (monthly, $)?

Transport — car, gas, transit (monthly, $)?

Subscriptions — streaming, apps (monthly, $)?

All other monthly expenses ($)?

Monthly surplus

Spending breakdown

Housing

Food

Transport

Subscriptions

Other

Enter your numbers to see your cash flow.

⚠ Sanity check

What this means

Common mistakes

Using gross (pre-tax) salary instead of take-home pay — this overstates your surplus
Forgetting annual expenses like insurance, yearly subscriptions, or car registration
Subscriptions are easy to undercount — check your bank statement
A positive surplus does not mean you are saving — it means you have room to

Each metric is independent — fill in any combination. Benchmarks shown are general guidelines, not personal advice.

Savings Rate

Monthly take-home income ($)?

Amount saved or invested monthly ($)?

—of income saved

What this means

Emergency Fund Coverage

Total cash available right now ($)?

Total monthly expenses ($)?

—months covered

What this means

Debt-to-Income Ratio

Total monthly debt payments ($)?

Monthly gross income before taxes ($)?

—DTI ratio

What this means

Investment Rate

Amount invested monthly ($)?

Monthly take-home income ($)?

—of income invested

What this means

Project a Goal

Goal name?

Target amount ($)?

Amount already saved toward this goal ($)?

Monthly contribution toward this goal ($)?

Your Projections

No projections yet. Add one above.

Common mistakes

Setting a goal without a dedicated monthly contribution — money needs a job
Not accounting for competing goals pulling from the same monthly surplus
Increasing your contribution even slightly compresses the timeline significantly

Current Portfolio

Stocks & ETFs — current value ($)?

Bonds — current value ($)?

Cash & money market ($)?

Other — crypto, REITs, etc. ($)?

Monthly Contributions

Amount added each month ($)?

Expected annual return (%)?

Total portfolio value

Allocation

Stocks — Bonds — Cash — Other —

Projected value with contributions

5 yrs

—

10 yrs

—

20 yrs

—

What this means

Common mistakes

Assuming returns are consistent — real returns vary year to year; projections are estimates
Ignoring expense ratios — even 1% annually significantly reduces long-term growth
Counting uninvested brokerage cash as invested — it is not growing at market rates
Not accounting for taxes on gains when withdrawing from taxable accounts

Savings Projection

Current savings & investments total ($)?

Monthly contribution ($)?

Expected annual return (%)?

Years to project?

Retirement Goal

Target retirement amount ($)?

Enter your numbers to see your projection.

Projected value

—

Total contributed

—

Growth from returns

—

Growth over time

5 yrs

—

10 yrs

—

20 yrs

—

What this means

Common mistakes

Using a return rate that is too optimistic — 10%+ is possible but not reliable long-term
Not accounting for inflation — $1M in 30 years buys less than $1M today
Ignoring taxes on traditional 401k/IRA withdrawals in retirement
The 25x rule is a starting point, not a guarantee — healthcare costs are often underestimated

Side-by-side scenario comparisons to help you decide, not just calculate.

Your numbers

Home purchase price ($)?

Down payment ($)?

Mortgage interest rate (%)

Monthly rent alternative ($)?

Years you would stay in the home?

Buying

—

est. total monthly cost

Renting

—

monthly cost

Analysis

Your numbers

Debt balance ($)?

Debt interest rate (%)?

Monthly amount available ($)?

Expected investment return (%)?

Pay off debt

—

guaranteed annual return

Invest instead

—

expected annual return

Analysis

Your numbers

Loan amount ($)?

15-year interest rate (%)

30-year interest rate (%)

15-Year mortgage

—

monthly payment

30-Year mortgage

—

monthly payment

What this means

Plain-English definitions. No jargon, no fluff.

Net Worth

Everything you own minus everything you owe. The single best snapshot of your financial position. It can be negative — what matters is whether it is growing.

Example: $80k in assets minus $35k in debt = $45k net worth.

Savings Rate

The percentage of your take-home income that you save or invest. A higher rate means faster wealth-building. Most financial planners suggest at least 15-20%.

Example: Save $800 on $4,000 income = 20% savings rate.

Emergency Fund

Cash set aside for unexpected expenses or job loss. Measured in months of expenses covered. The standard target is 3-6 months — more if your income is variable or your job is unstable.

Example: $9,600 in savings with $3,200/mo in expenses = 3 months covered.

Debt-to-Income Ratio (DTI)

Your total monthly debt payments divided by gross (pre-tax) monthly income. Lenders use this to evaluate loan applications. Below 36% is generally considered healthy.

Example: $600 in debt payments on $3,000 gross income = 20% DTI.

Compound Interest

Earning returns on your returns. Over time, this creates exponential growth. It is why starting early matters more than how much you contribute — time is the multiplier.

Example: $10k at 7% for 30 years grows to about $76k without adding a single dollar.

APR vs. APY

APR (Annual Percentage Rate) is the yearly interest rate without compounding effects. APY (Annual Percentage Yield) includes compounding. APY is always higher — lenders advertise APR, banks advertise APY on savings accounts.

Example: 6% APR compounded monthly equals about 6.17% APY.

Expense Ratio

The annual fee a mutual fund or ETF charges, expressed as a percentage of your investment. Even 1% annually can cost you tens of thousands over a career. Index funds typically charge 0.03-0.20%.

Example: 1% on $100k = $1,000/year in fees, every year, compounding against you.

Asset Allocation

How your investments are divided across stocks, bonds, and cash. Stocks offer higher returns but more volatility. Your allocation should reflect your timeline and ability to stomach market swings.

Example: A common guideline is "100 minus your age" in stocks. At 30: 70% stocks, 30% bonds.

The 4% Rule

A retirement guideline: you can withdraw 4% of your savings per year and the money should last 30 years. To find your retirement target, multiply your expected annual spending by 25.

Example: Need $60k/year in retirement? Target = $60k x 25 = $1.5 million.

Dollar-Cost Averaging

Investing a fixed amount on a regular schedule regardless of market conditions. This reduces the risk of investing a lump sum at the wrong time and removes emotion from the process.

Example: Investing $400 every month whether the market is up or down.

William Kloosterman

Founder, WKCalc.com

I built this website to help people get a clear, honest understanding of their finances — without confusion, noise, or guesswork.

Personal finance is not just about numbers. It is about control, stability, and creating options for your future.

A lot of goals feel out of reach at first. In reality, they are usually closer than they seem once you can actually see where you stand and where you are headed.

This site is here to simplify that process. So you can track your progress, understand your situation, and move forward with confidence.

Privacy — a real commitment, not a legal disclaimer

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No account required. You never sign up, log in, or give us an email address.

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Nothing is saved or stored. Every number you enter exists only in your browser tab. Close it and it is gone.

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Runs entirely in your browser. All calculations happen on your device. No data is ever sent anywhere.

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No trackers, no ads, no data sales. WKCalc does not profile you or share your behavior with anyone.

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This is a deliberate choice. Most finance sites make money from your data. WKCalc exists to give you clarity, full stop.

WKCalc provides calculators and general financial information for educational purposes only. Nothing on this site constitutes financial advice. Consult a licensed financial advisor for guidance on your specific situation.