SumLoft
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Loan, Savings & Retirement Calculators
Plan more. Pay less. Build wealth.

Fast, private calculators for loan payoff, retirement, and savings goals.

Loan payoff calculator

See how extra payments shorten your payoff timeline.

Payoff dateApr 204610 years early
Interest saved$118,38339% less interest
Total interest$185,762vs $304,145 scheduled

Balance over time

Paying an extra $300 monthly can cut around 10 years from this loan.

Calculator categories

Loan payoff

Pay off debt faster

Retirement

Project your balance

Savings

Reach a goal on time

Popular tools

How we calculate your answers

1. You enter numbersYour real balances, rates, and timelines.
2. We apply the formulasStandard amortization and compound-growth math.
3. We model timeMonth by month, so extra payments and growth show up.
4. You get clarityEstimates for education, private by default. Nothing is stored.

Browse by topic

Pick a subject and every guide filed under it, counted and ready.

All walkthroughs

Money walkthrough

62 guides

Money worksheet

2 guides

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Popular guides to start with

The foundational walkthroughs most readers open first, from compounding to your first budget.

A jar filling with coins and a small plant growing beside a rising chart
Money walkthrough

Compound Interest Formula: The Power of Compound Interest

Compound interest formula explained: A = P(1 + r/n)^(nt) variable by variable, worked examples, continuous compounding, and the power of compound interest.

Read the guide
A person budgeting at a table with an open laptop and a paper notebook
Money walkthrough

How to Make a Budget (7 Steps That Actually Stick)

This worksheet builds a budget in seven steps: add up take-home pay, categorize spending, pick a method, set limits, save first, automate, and review monthly.

Read the guide
A person adding cash into a savings envelope while checking a savings balance on a phone
Money walkthrough

How to Build an Emergency Fund (6 Steps)

This worksheet builds an emergency fund in six steps: set a target, hit a starter goal, open the right account, automate the transfer, and replenish it after use.

Read the guide
Overhead view of a sheet ruled into two handwritten columns headed ASSETS and DEBTS, with a small calculator, car keys and a printed document on a desk
Money walkthrough

How to Calculate Net Worth: The Step-by-Step Formula

This walkthrough runs the net worth formula on a filled in statement: list what you own, value it fairly, total what you owe, subtract, read the result.

Read the guide
A person in their early fifties relaxing on a sunlit porch, calm and financially secure
Money walkthrough

How Much Do You Need to Retire at 55? The Real Number

This walkthrough sizes how much you need to retire at 55: spending times a multiple, the health coverage decade before 65, and the monthly saving by age.

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A person mapping out retirement plans at a wooden desk with a calculator, notepad, and laptop in warm window light
Money worksheet

How to Calculate Your Retirement Number (5 Steps)

This worksheet walks you step by step through calculating your retirement number, from annual spending to a monthly savings target, without a salary mistake.

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MONEY WALKTHROUGHS

Guides that show the math

Every number here comes with a plain-English walkthrough of the formula behind it. Newest first.

All walkthroughs
A three-storey red brick institutional building with a gabled entrance and tall chimneys, seen across a wide green lawn with a path where several people are walkingMoney walkthroughLatest

What Is a 457(b) Plan? Rules, Limits, and Withdrawals

This explainer covers the 457(b) plan: who sponsors it, the governmental and non-governmental split, deferrals, and the separation-from-service quirk.

31 min walkthrough
A hand turning a small metal dial on a wooden panel marked with a curved row of dotsMoney walkthrough

How to Fill Out a W-4 So You Don't Owe in April (7 Steps)

This worksheet shows how a W-4 turns into a withholding amount, why a second job under-withholds by default, and how to fix a refund or a bill that is wrong.

40 min
A hand turning a metal knob mounted on a wood panel, with small dots marking positions around itMoney walkthrough

How to Max Out Your 401(k) Before Year End (6 Steps)

This worksheet backs out the per-paycheck percentage that maxes out a 401(k) before year end, counting the pay periods left and guarding the employer match.

38 min
A white ceramic piggy bank on a pale wooden surface beside four stacks of coins that rise in height and a folded pile of banknotesMoney walkthrough

Retirement Withdrawal Order: Which Account to Tap First

This walkthrough covers retirement withdrawal order: why taxable money usually goes first, when bracket filling reverses it, and how RMDs override the plan.

31 min
Wooden blocks stacked into a rising staircase against a pale background, with one loose block sitting apart from the stackMoney walkthrough

What Is a CD? How Certificates of Deposit Work

This explainer covers how a certificate of deposit works, the term for rate trade, early withdrawal penalties in months of interest, CD ladders and variants.

38 min
A calculator, a stack of printed pages and a mug of coffee on a sunlit wooden deskMoney walkthrough

How to Manage Money With a Partner

This walkthrough sets up money with a partner in nine steps: the first conversation, joint or separate accounts, a proportional bill split, a solo-spend rule.

42 min
Two adults sitting side by side at a wooden kitchen table with an open laptop, loose printed sheets and a notebook, one of them writing with a penMoney walkthrough

Retirement Account Beneficiary Rules Explained

This explainer covers retirement account beneficiary rules: why the form outranks your will, primary versus contingent, per stirpes, trusts, and reviews.

34 min
Four stacks of coins rising in height on a wooden surface beside the corner of a blank calendar grid, lit against a dark blue wallMoney walkthrough

What Are I Bonds? How the Rate Is Built

This explainer covers how an I bond rate is built from a fixed rate plus a resetting inflation rate, the lock-up and forfeit, the tax split, and who it suits.

39 min
Two pairs of brown-framed reading glasses, a compartmented pill organizer, a coiled black stethoscope, a blank spiral notepad with a silver pen and a stack of pale blue folders on a light wooden tableMoney walkthrough

Healthcare Costs in Retirement: How to Plan

This walkthrough prices healthcare costs in retirement across three separate phases: the pre-Medicare bridge, the Medicare years, and long-term care risk.

33 min
HOW TO USE SUMLOFT

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Every calculator is paired with a guide that explains the formula and the assumptions, so the answer is legible, not magic.

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SumLoft is an educational tool. Every result is an illustrative estimate built on the assumptions you enter, not financial advice. Rates, tax rules, and contribution limits change, so confirm the current figures and talk to a qualified financial professional before acting on any number.

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