Calculators that show the real numbers.
Every public-facing financial calculator is a marketing instrument. These are the honest versions — same scenarios, with the math the institution’s tool quietly skipped. All nine are live. More coming.
True cost of a mortgage
The all-in monthly carry — not the P&I line the bank quotes.
PMI, property tax, HOA, maintenance, and opportunity cost on the down payment, all on one screen.
Fee drag over 30 years
What 0.95 percentage points of fees actually costs over a working life.
Three scenarios side by side at any fee level you choose. The gap is the part the growth projector skipped.
Real APR on a loan
Stated rate vs. effective rate once fees are included.
Origination, points, and any cost rolled into the principal turn into an effective rate via an IRR solver.
True cost of minimum payments
Years to payoff and total interest — the figures the statement hides.
Month-by-month simulation that handles the floor and the asymptotic case honestly.
Real return after inflation and taxes
What an 8% headline actually keeps once the math is honest.
Holding period, marginal bracket, state tax, and inflation drag — applied to whatever return number the brokerage app shows you.
True cost of "free"
What every $0-commission / no-annual-fee product is actually charging.
Spreads, PFOF, cash-sweep underpayment, carried-balance interest, FX markup — totaled per year for your situation.
Money you're owed
Seven questions to surface federal credits and benefits you may have left on the table.
US and Canada coverage. Every claim route links to a FREE filing or claiming surface — no paid tax-prep affiliates.
Raise calculator
The honest target ask — inflation drag, merit-pool baseline, and the script in your words.
Separates what inflation took from what you're owed on top. Then writes the ask paragraph using your real numbers.
Bill slasher
Nine common bills, the leverage that works on each, and the script in plain English.
Tap your bills, edit the monthly amount, see the annual-savings range, copy the script. Save the total to your dashboard as a goal.
Money Leak Finder
Eight questions to estimate where your money is leaking every year — across seven everyday categories.
A broad scan across bank fees, card interest, subscriptions, insurance, bills, retirement fee drag, and unclaimed federal credits. Pick one category to fix first — usually pays for the rest.
Each tool ships with its formula, its assumptions, and a link back to the long-form derivation in Honest Calculators. If a number looks wrong, tell us at info@moneymolecule.com — we’d rather correct an error fast than ship one quietly.