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The real cost of
life's biggest decisions

Most financial calculators show you the obvious numbers. DecisionCalc shows you everything—including what most people miss by 40% or more.

Explore the calculators
Built on BLS & Census data GDPR & CCPA compliant Instant results, no account
14
free calculators
100%
private — no data stored
$0
no sign-up required
2 min
avg. time to clarity

Pick your life event

Each tool covers a situation where the real cost surprises nearly everyone.

Career

Remote Work True Cost Calculator

Commute savings, home office costs, meals, clothing — see your real annual net.

Avg. $6,100/yr savings
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Starting Out

Salary Negotiation Calculator

See the lifetime earnings impact of negotiating and compare to BLS market benchmarks by field.

Lifetime impact: $150K–$500K
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Starting Out

Debt Payoff Calculator

Avalanche vs. snowball comparison with your real debts — total interest saved and months to debt-free.

Avg. credit card APR: 21.76%
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Starting Out

Emergency Fund Planner

Personalized target based on job stability, income type, and health situation — with savings plan.

Median EF: $3,000 (too low)
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Career

FIRE Calculator

FIRE number, years to financial independence, Social Security impact, and portfolio projection.

$1.5M–$3M typical FIRE target
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Real Estate

Rent vs. Buy Calculator

True 5 & 10-year comparison with opportunity cost, appreciation, break-even timeline, and net wealth.

Break-even typically 5–8 years
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Growing Family

Wedding Cost Calculator

Itemized budget estimate by guest count, region, and style — with real data from 12,000+ couples.

US avg. wedding: $35,000
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Growing Family

Having a Baby True Cost Planner

State-specific year-one estimate: childcare, medical, gear, and parental leave lost wages.

Avg. $21,000–$50,000 yr 1
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Growing Family

Pet Cost Calculator

Year-one setup, annual recurring costs, and lifetime total — including the vet bills most people miss.

Dogs: $15,000–$55,000 lifetime
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Building Wealth

Car True Cost of Ownership

True 5-year cost: depreciation, insurance, fuel, maintenance, and financing. New vs. used vs. EV.

New cars lose 20% yr 1
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Building Wealth

Home Buying True Cost Calculator

Closing costs, PMI, property taxes, HOA, insurance, and maintenance — the complete year-one picture.

$29,500 avg. yr-one hidden costs
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Building Wealth

College True Cost Calculator

Tuition, room & board, loan interest, and opportunity cost — the real 4-year total.

Avg. $190,000–$320,000 true total
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Health

Chronic Illness Annual Cost Calculator

Beyond copays — medications, lost work, and lifestyle changes. The true annual burden.

Up to $12,000+ hidden costs
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Later Life

Aging Parent Care Financial Planner

In-home care, assisted living, memory care — and the career impact on the family caregiver.

Avg. $54,000/yr assisted living
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Find tools for where you are in life

Built differently

Real data sources

Every default value cites BLS, Census Bureau, EPI, or peer-reviewed research — not a "reasonable estimate" from thin air.

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Everything runs in your browser. We never see your numbers. No account, no tracking of your inputs, ever.

Ready in 2 minutes

Pre-loaded with national averages. Change only what applies to you. Results update instantly as you type.

Start with your most pressing decision

All tools are free, forever. No email required.