Four calculators
Four small tools, each answering one specific question with your own numbers.
Where is your money actually going?
Enter your take-home income and spending by category to see what's left each month before fees eat into it.
Assumptions this uses
- Uses your take-home (after-tax) income, not gross income
- Each category is shown as a dollar amount and as a percentage of income
- Left to save or clear debt is income minus every category entered
Limitations: Does not account for irregular annual costs like insurance premiums or holidays unless you divide them into a monthly twelfth yourself and add them to a category.
Runs entirely in your browser.
Ask your bank for the fee schedule, not the brochure
The marketing page shows you a debit card design and a mobile app screenshot. The fee schedule — sometimes called a 'personal deposit account agreement' — is the document that actually lists what triggers a charge. Ask for it directly, or search '[bank name] fee schedule pdf', before you open anything.
Compare two accounts' annual cost
Enter your monthly fee and any other regular charges for two accounts to see which actually costs less over a year.
Assumptions this uses
- Annual cost is monthly fee times 12, plus any other annual fees you enter
- Assumes the monthly fee is actually charged, not waived — check your waiver condition first
- Does not include interest earned on a savings-linked account
Limitations: Does not account for rewards, sign-up bonuses, or interest earned — pair this with your own estimate of those if either account offers them.
Runs entirely in your browser.
The Checking Account Fee Audit Worksheet
A fillable worksheet for auditing your account fees and deciding whether it's time to switch.
Get the free guide →Is a rewards debit or credit card worth it?
Enter your real monthly spend and a card's reward rate and annual fee to see whether the rewards actually clear the fee.
Assumptions this uses
- Rewards are calculated as reward rate x monthly spend x 12
- A typical US card APR range of roughly 20-29% is used to estimate interest cost on any carried balance
- The result compares rewards earned against the annual fee, then flags if a carried balance likely erases the gain
Limitations: Does not know the exact APR of your specific card or the exact value of any statement credits — add those manually if the card offers them.
Runs entirely in your browser.
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See no-fee account options side by side
Once you know what you're trying to avoid, comparing real no-fee accounts is the next practical step.
Compare accounts →Overdraft cost calculator
See what a recurring overdraft pattern is actually costing you over a year, in plain dollars.
Assumptions this uses
- Total cost is fee x number of times it happened, scaled to a 12-month figure based on the period entered
- A typical US overdraft fee range of $27-$35 per occurrence is used as the reference point
- Does not assume overdraft protection is in place — protection transfer fees are usually well below a standard overdraft fee
Limitations: Does not account for banks that charge multiple overdraft fees in a single day, or accounts with no overdraft fee by design — check your specific bank's fee schedule for the exact figure.
Runs entirely in your browser.
Ask your bank for the fee schedule, not the brochure
The marketing page shows you a debit card design and a mobile app screenshot. The fee schedule — sometimes called a 'personal deposit account agreement' — is the document that actually lists what triggers a charge. Ask for it directly, or search '[bank name] fee schedule pdf', before you open anything.