Four calculators that do the math on the money you actually have — no account, no signup, nothing to install. Pick one and start typing.
Each one answers a single money question and shows its work. They're the same math Thryvest runs across your real accounts — here on one number at a time, for free.
What your balance at 0% costs you — and how much is safe to move.
It projects the gap over one, three, and five years, and separates the cash you should keep liquid from what's genuinely idle.
Open the idle cash calculator →Whether to clear the card or keep the cash, with the trade-off named.
The verdict flips to keeping the cash on the rare occasion your savings rate is higher than the card's APR — it doesn't just tell you to pay.
Open the card vs savings calculator →Your target, where you stand, and when you'll get there.
A one, two, and three-month milestone ladder shows the date you reach each level at your current savings rate.
Open the emergency fund calculator →Avalanche vs snowball, side by side.
Enter up to five debts and an extra payment; it names the real trade-off instead of declaring a winner.
Open the debt payoff calculator →These tools run on one number at a time. Connect your accounts and Thryvest runs them across everything you own — then shows the exact move, in real dollars.
Create your account →Read-only via Plaid · it never moves your money.