Personal finance, itemized
See the math
before you sign anything.
GoSpend turns financial decisions into line items you can actually check — mortgages, retirement, debt payoff, and taxes, worked out in the open, not summarized for you.
The calculators
24 live · 24 planned1099 Quarterly Tax Calculator
Why self-employed workers pay more in payroll tax, not less A W-2 employee and their employer…
Read more →401(k) Growth Calculator
The match is the part most calculators leave out Plenty of retirement calculators model compound growth…
Read more →Capital Gains Estimator
One year is the line that changes everything Sell an investment you’ve held for one year…
Read more →Car Lease vs. Buy Calculator
Leasing rents depreciation; buying owns it A lease payment is calculated to cover the car’s expected…
Read more →Closing Cost Estimator
Closing costs are a bundle, not one fee “Closing costs” is shorthand for a whole set…
Read more →Compound Interest Calculator
Why compounding rewards time more than timing Compound interest means you earn returns not just on…
Read more →Debt Payoff Calculator
Two strategies, one monthly budget Snowball and avalanche both work the same way mechanically: you pay…
Read more →Dollar-Cost Averaging Simulator
Two ways to deploy the same amount of money If you have a lump sum to…
Read more →Emergency Fund Target Calculator
Why “essential expenses” is the number that matters An emergency fund isn’t sized against your income…
Read more →Expense Ratio Drag Calculator
A fee you never see charged still gets paid A fund’s expense ratio is deducted directly…
Read more →FIRE Number Calculator
Where the 4% rule actually comes from Your FIRE number is your annual expenses divided by…
Read more →House Affordability Calculator
Where the 28% and 36% numbers actually come from The 28/36 rule is a conventional mortgage…
Read more →Mortgage Payment Calculator
What your mortgage payment is actually made of When lenders quote a mortgage rate, they’re usually…
Read more →Net Worth Tracker
The one number that captures your whole financial picture Income tells you what’s coming in. Spending…
Read more →PMI Drop-Off Date Calculator
PMI exists to protect the lender, not you Private mortgage insurance is required on most conventional…
Read more →Raise vs. Inflation Calculator
A raise measured in dollars can still be a pay cut Your paycheck shows a nominal…
Read more →Refinance Break-Even Calculator
A lower rate isn’t automatically a lower cost Refinancing replaces your current loan with a new…
Read more →Rent vs. Buy Calculator
Why “rent is throwing money away” misses the actual comparison The real comparison isn’t rent versus…
Read more →RMD Calculator
Tax-deferred doesn’t mean tax-free forever Traditional 401(k)s and IRAs let your money grow without annual tax…
Read more →Roth vs. Traditional IRA Calculator
Same investment, two different tax deals Traditional and Roth IRAs hold the same investments and grow…
Read more →Social Security Claiming Age Calculator
The reduction isn’t a rough estimate — it’s an exact formula Social Security applies a precise,…
Read more →State Tax Burden Comparator
The same salary, two very different outcomes State income tax is one of the largest controllable…
Read more →Student Loan Payoff Calculator
A genuinely complicated moment for federal student loan rules Federal student loan repayment is mid-overhaul in…
Read more →Take-Home Pay by State Calculator
Four deductions come out before you see a dollar A salary offer is a gross number.…
Read more →The full ledger
Everything published, by topicDebt Management Done Right
Debt Management: Taking Control of Your Financial Future Introduction Welcome to the world of debt management,…
Read more →What Is the Low-Income Communities Bonus Credit?
The IRS just released new FAQs on the Low-Income Communities Bonus Credit, a business tax credit…
Read more →Roth IRA vs Traditional IRA: A Decision Guide
In the Roth IRA vs traditional IRA choice, a Roth is funded with after-tax dollars that…
Read more →401(k) Contribution Limit 2027: What Changed
The 401(k) contribution limit 2027 rises to $25,500, up $1,000 from 2026, while the IRA limit…
Read more →How Much House Can I Afford? See Salary Examples
How much house can I afford comes down to four levers: your income, your existing debt,…
Read more →10-Year Treasury Yield Dip: What It Means for Rates
Quick answer: The 10-year Treasury yield slipped from 4.95% to 4.90% (-0.05 points) as of 11/04/2026,…
Read more →What the Working Families Tax Cuts Mean for You
Direct answer: The IRS says the Working Families Tax Cuts helped it collect a record $5.6…
Read more →What the Bisignano Trump Accounts Donation Means
Direct answer: The Bisignano Trump Accounts donation is a private, $250-per-child gift from IRS CEO Frank…
Read more →10-Year Treasury Yield Rises to 5.05%: What It Means
The 10-year Treasury yield edged up 0.06 percentage points to 5.05% as of October 28, 2026.…
Read more →New Charitable Contribution Deduction for 2026
Direct answer: Starting with 2026 tax returns filed in 2027, the IRS says taxpayers who take…
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Written by Nicholas Bulgin
Nicholas Bulgin is an entrepreneur and investor with hands-on experience across stocks, cryptocurrency, real estate, and emerging asset classes. He writes about the practical mechanics of building and managing wealth.