Every Blue Papers guide comes with a free calculator. Pick the question you are trying to answer, plug in your own numbers, and read the guide around it for the context the numbers can’t give you.
All calculators run in your browser. Nothing you enter is stored or sent anywhere. Results are estimates, so use them to plan and compare, then confirm the details with your lender or plan provider.
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Lease vs Buy a Car in 2026: A Tie at 3 Years, a $13,000 Gap at 6
Lease vs buy a car in 2026: over three years they cost about the same, but buying and keeping wins by $13,000…
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Is a High-Yield Savings Account Worth It? Your Real Return After Tax and Inflation
Is a high-yield savings account worth it at 4.50% APY? After tax and 3.4% inflation, the real return is about zero. See…
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When Does PMI Go Away? The Date on Your Loan and 3 Ways to Beat It
When does PMI go away? Automatically at 78%, by request at 80%, or sooner with extra payments or a new appraisal. See…
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Sending Money to a Child Studying in the US: What It Really Costs (2026)
Sending money to a child studying in the US costs more than the fee. See the hidden exchange-rate margin, how to pay…
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RAP vs IBR: Which Student Loan Plan Costs Less in 2026?
RAP vs IBR compared with real numbers: who pays less, the RAP bracket cliff, forgiveness timelines, SAVE deadlines, and a free calculator.
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How Much House Can I Afford on $100K? About $293,000 at Today’s Rates
How much house can I afford on $100K? About $293,000 at a 7.28% rate with 10% down. See the cash you need,…
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How Much Will My Social Security Increase in 2027? Your Real Raise After Medicare
How much will my Social Security increase in 2027? See the COLA forecast, how much the Medicare Part B premium takes, who…
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Bronze Plan + HSA vs. Silver Plan: Which Really Costs Less in 2027?
Every ACA bronze plan is now HSA-eligible. See when a bronze plan HSA beats silver in 2027, how HSA deposits raise your…
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How Much to Save for Christmas: Count Paychecks, Not Months (2026)
How much to save for Christmas depends on how many paychecks you have left, not how many months. See the 2026 per-paycheck…
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How Much Rent Can I Afford? The 30% Rule Is Older Than You Think (2026)
The 30% rent rule comes from a 1969 public housing law. See how much rent you can afford based on your take-home…
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How Much to Save for College: Why One-Third Is Enough (2026)
You don’t have to save the whole sticker price. See how much to save for college each month with the one-third rule,…
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Credit Card Minimum Payment Calculator: Why $141 Takes 16 Years
A $5,000 balance at 22% APR takes 16 years on minimum payments. See your own timeline with the free calculator — and…
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401(k) Balance by Age: How Much Should You Have Saved in 2026?
The average 401k balance by age in early 2026 puts the typical number at $167,970. If that makes you feel behind, here’s…
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Roth 401k vs IRA: Which to Fund First in 2026
Roth 401k vs IRA: 2026 contribution limits, a 4-account comparison, an Australia/Korea tax comparison, and a same-cost vs. same-contribution calculator.
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How Much Car Can I Afford? The 20/4/10 Rule at 2026 Prices
The 20/4/10 rule for car buying, real 2026 loan data, and a calculator that tells you your exact affordable car price.
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How Much Should I Save for Retirement? Simple Math for How Much Money You Need (2026)
How much should I save for retirement? See the savings rate you need at every starting age, plus a free calculator for…
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50/30/20 Rule: Does It Still Fit a 2026 Budget?
The 50/30/20 rule, tested against real US spending data. See if your budget fits, how to adjust the split, and try our…
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Debt Avalanche vs Snowball: The Best Way to Pay Off Debt in 2026
Debt avalanche vs snowball: we ran both popular strategies on a real five-debt budget. See which saves more and try our free…
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Debt to Income Ratio: What’s Good in 2026 + a Simple Calculator
Free debt to income ratio calculator, plus what counts as a good DTI in 2026 and the real limits lenders use for…
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How to Build Credit From Scratch: A Simple 12-Month Plan
How to build credit from zero in 12 months: open one starter account, pay on time, keep balances under 10%, and get…
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Credit Score to Buy a House: What Counts as a Good Credit Score in 2026
The minimum credit score to buy a house is 580 for FHA and about 620 for conventional loans. See what a strong…
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Emergency Fund Calculator: How Many Months You Need in 2026
Use our free emergency fund calculator to see how many months of expenses you need, with 3-, 6- and 12-month targets and…
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Rent vs Buy Calculator 2026: The Break-Even Year
Use our free rent vs buy calculator to find your break-even year. At 7% rates, a $400K home vs $2,500 rent takes…
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Average Savings by Age (and What to Do If You’re Behind)
Average savings by age: The typical American household under 35 has about $5,400 in checking, savings and money market accounts. For ages…
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How Much House Can I Afford on $70K a Year? (2026 Numbers)
On $70,000 a year, how much house can I afford? About $210,000. That assumes a 7% mortgage rate, 10% down and a…
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How Much House Can I Afford? (2026 Calculator + Real Examples)
How much house can I afford? Most people can comfortably afford a home priced at about 2.5 to 3 times their gross…
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Net Worth by Age: Where Do You Stand in 2026?
Net worth by age: In the Federal Reserve’s latest survey, the typical (median) American household under 35 had a net worth of…
