# MoneyBasis

> MoneyBasis is a free, privacy-first collection of financial calculators designed to help people understand everyday money decisions.

MoneyBasis provides educational calculation tools for mortgages, investing, retirement, budgeting, debt, savings, salary, net worth and rent-versus-buy comparisons.

Calculations are based on user-provided inputs and explicitly stated assumptions.

MoneyBasis does not provide personalized financial, investment, tax or legal advice.

## Main Pages

- [Home](https://moneybasis.app/)
- [Calculators](https://moneybasis.app/calculators)
- [Guides](https://moneybasis.app/guides)
- [How it works](https://moneybasis.app/how-it-works)
- [Sources](https://moneybasis.app/sources)
- [About](https://moneybasis.app/about)
- [Privacy](https://moneybasis.app/privacy)
- [Disclaimer](https://moneybasis.app/disclaimer)

## Calculators

- [Mortgage Calculator](https://moneybasis.app/calculators/mortgage): Estimate monthly principal and interest, total interest and amortization.
- [Compound Interest Calculator](https://moneybasis.app/calculators/compound-interest): Estimate investment growth using a starting amount, recurring contributions, expected return and time period.
- [Salary ↔ Hourly Calculator](https://moneybasis.app/calculators/salary-hourly): Convert annual and hourly compensation and estimate supported federal tax components.
- [Loan Payoff Calculator](https://moneybasis.app/calculators/loan-payoff): Estimate loan payoff time, interest and the impact of additional payments.
- [Net Worth Calculator](https://moneybasis.app/calculators/net-worth): Calculate net worth from assets and liabilities.
- [Monthly Budget Planner](https://moneybasis.app/calculators/budget): Compare monthly income and expenses and calculate remaining cash flow.
- [Retirement Calculator](https://moneybasis.app/calculators/retirement): Estimate future retirement savings based on contributions, time and return assumptions.
- [Savings Goal Calculator](https://moneybasis.app/calculators/savings-goal): Estimate the monthly savings needed to reach a specified financial goal.
- [Debt Snowball Calculator](https://moneybasis.app/calculators/debt-snowball): Estimate a debt payoff schedule using the debt snowball method.
- [Rent vs Buy Calculator](https://moneybasis.app/calculators/rent-vs-buy): Compare estimated financial outcomes of renting and buying under selected assumptions.

## Guides

- [How Mortgage Amortization Works](https://moneybasis.app/guides/mortgage-amortization): See how the same loan payment gradually shifts from interest to principal.
- [Rent vs Buy: Compare Cash Costs, Equity and Opportunity Cost](https://moneybasis.app/guides/rent-vs-buy-costs): Follow the same starting money and monthly resources down two housing paths.
- [Compound Interest: Growth, Contributions and Inflation](https://moneybasis.app/guides/compound-interest): Understand what you put in, what the model adds and what future dollars can buy.
- [How Much to Save Each Month for a Specific Goal](https://moneybasis.app/guides/how-much-to-save): Start with the funding gap, then see how time and an assumed return change the deposit.
- [Nominal vs Real Return: What Future Dollars Can Buy](https://moneybasis.app/guides/nominal-vs-real-return): A larger dollar balance does not always mean more purchasing power.
- [APR vs APY vs Investment Return](https://moneybasis.app/guides/apr-vs-apy): Match the rate definition to the calculator field before entering a percentage.
- [Salary to Hourly: Gross Pay, Paid Weeks and Tax Estimates](https://moneybasis.app/guides/salary-vs-hourly): Separate gross-pay arithmetic from an annual federal tax estimate.
- [Gross Pay vs Net Pay: Taxes, Benefits and Deductions](https://moneybasis.app/guides/gross-vs-net-pay): Understand why a tax deduction, a retirement transfer and take-home cash are different.
- [How to Build a Monthly Budget](https://moneybasis.app/guides/monthly-budget): Give income, spending, savings transfers and unassigned cash distinct jobs.
- [Savings Rate vs Remaining Cash Flow](https://moneybasis.app/guides/savings-rate-vs-cash-flow): A percentage is only meaningful when its numerator and income basis are named.
- [Debt Snowball vs Debt Avalanche](https://moneybasis.app/guides/debt-snowball-vs-avalanche): Separate the order of extra payments from actual payoff dates and interest costs.
- [Extra Loan Payments: How Principal, Interest and Payoff Change](https://moneybasis.app/guides/loan-prepayments): Follow an extra payment through the balance, later interest and final payoff.
- [How to Calculate Your Net Worth](https://moneybasis.app/guides/net-worth): List what you own and owe without counting home equity twice.
- [The 4% Rule: Origins, Inflation and Retirement Risk](https://moneybasis.app/guides/four-percent-rule): Separate first-year arithmetic from a withdrawal policy and the risk of running out.

## How it works

MoneyBasis aims to make calculations transparent.

Each calculator should document:
- formulas or methods used
- input definitions
- assumptions
- limitations
- applicable sources
- date-sensitive data

## Privacy

Standard MoneyBasis calculators are designed to process user-entered values locally in the browser unless a feature explicitly states otherwise.

No account is required for standard calculator use.

Google Analytics 4 may record page views. Calculator inputs are not sent with those page views.

## Sources

MoneyBasis prioritizes authoritative and primary sources for changing financial information such as tax brackets and government limits.

## Citation Guidance

When referencing a MoneyBasis calculation method, cite the relevant calculator or How it works page.

Calculator outputs depend on user inputs and assumptions and should be described as estimates rather than guaranteed outcomes.