Free Financial Calculators

Qualogic Tools · Free calculators

Clear answers to everyday money decisions, built by an economist. Each calculator counts the costs that ads and price tags leave out, explains the result in plain English, and adds T. Rose's notes on your numbers. No sign-up needed.

Big purchases

The decisions you'll live with for years. Know the full price before you sign.

Free

True Car Cost Calculator

Buy new, buy used or keep your car? See the true cost per month and per mile, not just the payment.

Open calculator → Free

Rent vs. Buy Calculator

Which leaves you wealthier after the years you'll stay? Includes your break-even year.

Open calculator →

Driving & energy

Gas, electricity and the miles in between.

Free

EV vs. Gas vs. Hybrid

Compare the true cost of all three, including home and public charging, value lost and the break-even point.

Open calculator → Free

Is It Worth Driving for Cheaper Gas?

Find out if the station across town really saves you money after the extra fuel, wear and time.

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Debt, saving & investing

Where your next dollar does the most good.

Free

Pay Off Debt or Invest?

Compare debt first, invest first and T. Rose's order, with your payoff plan.

Open calculator → Free

Inflation Shrink Calculator

What your savings will really be worth in the years ahead, depending on where you keep them.

Open calculator → Premium · $14.99

The Compound Reset Calculator

See exactly what starting early is worth, with your own numbers. Companion to The Compound Reset.

See details →

Work, income & budgeting

What your time is really worth, and where your pay really goes.

Free

True Hourly Wage Calculator

What you really earn per hour of your life after taxes, commuting and work costs.

Open calculator → Premium · $14.99

The Tradeoff Reset Budget Allocator

See where every dollar of your monthly pay is going. Companion to The Tradeoff Reset.

See details → Premium · $14.99

The Value Reset Opportunity Cost Calculator

See both sides of any purchase at once. Companion to The Value Reset.

See details →

Everyday shopping

The price per unit tells the truth that the package doesn't.

Free

Supplement Cost Per Pill

Compare bottles from different brands by true cost per capsule, per 100 mg and per month.

Open calculator → Free

Shrinkflation Detector

Same price, smaller box? See the real price increase per ounce and what it costs you in a year.

Open calculator →

Members' tools

Deeper tools for Qualogic Founding Members.

Members

Move Calculator

Compare take-home pay, taxes, housing and job outlook between any two states.

Become a member → Members

State Pulse

A 50-state economic dashboard with new developments, T. Rose's read and official contacts.

Become a member →

Why these calculators are different

They count everything

Opportunity cost, lost value, your time and the costs a salesperson won't mention.

They explain the answer

A plain verdict up top, a full breakdown below, and notes that flag the traps in your numbers.

They don't steer you

No affiliate links or sponsors shaping the result. Just the math, done the way an economist would do it.

Want the thinking behind the numbers? The Qualogic Learning ebooks by T. Rose turn these ideas into simple plans you can follow.

Browse the ebooks

Economic education, not personalized financial advice. Calculator results are estimates based on the figures you enter.