Free Tools
Big money choices need clear math.
Free calculators for the decisions that shape your money. No account, no email, and no numbers sent anywhere.
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Financial calculators
Each tool gets its own focused page, plain-language breakdown, and shareable link.
Mortgage calculator
Estimate principal, interest, taxes, insurance, HOA fees, PMI, and the yearly path to payoff.
Retirement calculator
Project what your savings become by retirement, in today's dollars, and the monthly income they support.
Mortgage payoff calculator
See how extra monthly, yearly, or one-time principal payments cut the interest and the years off your loan.
Useful first, flashy second.
Every result shows the inputs, assumptions, and math behind the number.
Your inputs stay put.
Calculations run on the page. Pocketwatch never asks for an account to use them.
Beyond the estimate
Put the real numbers in one place.
Pocketwatch connects the payment to the rest of your budget, accounts, debt, and net worth.