Check My Numbers: Free Calculators | Café & Finances
Free Financial Tools

Check My Numbers

Run the numbers before you make any move. Free calculators built for real decisions about debt, home buying, budgets, and retirement.

4 Live tools
200+ Topics planned
Free Always

Get Out of Debt

2 live · 4 coming soon
❄️
Live
Debt Snowball vs. Avalanche Calculator
Compare both payoff strategies side by side. See your debt-free date, total interest paid, and a month-by-month payoff schedule for each method.
Use this calculator
🔍
Live
Debt Quality Analyzer
Not all debt is bad. Enter your debts and get a quality score that classifies each one as productive, manageable, or toxic with a smart payoff strategy.
Use this calculator
💳
Coming Soon
Credit Card Payoff Calculator
See how long it takes to pay off your credit cards with minimum payments vs. extra payments, and how much interest you can save.
📈
Coming Soon
Debt-to-Income Ratio Calculator
Calculate your DTI ratio and see how lenders view your financial health before you apply for any new credit.
🎯
Coming Soon
Interest Rate Negotiation Estimator
Estimate how much you could save by negotiating lower interest rates on your existing debts.

Buy / Sell Real Estate

2 live · 4 coming soon
🏠
Live
Mortgage Payment Calculator
Get your full monthly payment estimate including principal, interest, taxes, insurance, HOA, and PMI. Updates instantly as you type.
Use this calculator
📊
Live
Amortization Calculator
See a full payment-by-payment breakdown of your loan. Know exactly how much goes to principal vs. interest every single month.
Use this calculator
🏡
Coming Soon
Home Affordability Calculator
Find out how much home you can actually afford based on your income, debts, and down payment savings.
📉
Coming Soon
Rent vs. Buy Calculator
A side-by-side comparison of renting vs. buying over 5, 10, and 30-year horizons so you can make the right call for your situation.
💰
Coming Soon
Down Payment Savings Planner
Set your target home price and see exactly how much to save each month to hit your down payment goal on schedule.

Create a Budget

4 coming soon
📋
Coming Soon
50/30/20 Budget Builder
Enter your monthly income and see exactly how to split it between needs, wants, and savings using the 50/30/20 framework.
🚨
Coming Soon
Emergency Fund Calculator
Find your personal emergency fund target based on your expenses and income stability, and build a savings plan to get there.
🧾
Coming Soon
Monthly Expense Tracker
Categorize and analyze your spending to find where your money actually goes every month.
💸
Coming Soon
Cash Flow Calculator
Calculate your monthly net cash flow and see exactly how much you have left over to save, invest, or pay down debt.

Plan for Retirement

4 coming soon
🎯
Coming Soon
Retirement Savings Goal Calculator
Enter your target retirement age and lifestyle and see exactly how much you need to save each month to get there.
📈
Coming Soon
Compound Interest Calculator
See the real power of compound interest over time and what starting to invest today vs. 5 years from now actually costs you.
🏦
Coming Soon
401(k) Contribution Optimizer
Find the ideal contribution amount to max your employer match while meeting your current budget needs.
🔑
Coming Soon
Social Security Timing Calculator
Compare claiming at 62, 67, or 70 and find the break-even point based on your health and financial situation.

Financial Literacy

3 coming soon
💡
Coming Soon
Net Worth Calculator
Add up your assets and subtract your liabilities to get a clear picture of where you stand financially today.
🔢
Coming Soon
Credit Score Impact Calculator
See how different actions (paying off a card, missing a payment, opening new credit) could impact your credit score.
📐
Coming Soon
True Cost of a Purchase Calculator
Factor in taxes, interest, opportunity cost, and ongoing expenses to find the real price of any major purchase.
🔍

No calculators found for that search. Try a different keyword or browse by category above.

Not sure where to start? Let's talk.

Ivan has helped hundreds of families in the Raleigh-Durham area build a clear, actionable financial plan. A free 30-minute consultation is your first step.

Book a Free Consultation

Disclaimer: The calculators and tools on this page are provided for educational and informational purposes only and do not constitute financial, legal, tax, or investment advice. Results are estimates based on the information you enter and may not reflect your actual financial situation. Mortgage calculations are illustrative and not a loan commitment or pre-approval. Ivan Lopez Corcino, NMLS# 1911860 is a licensed mortgage loan originator. Equal Housing Opportunity. NMLS# 1911860. Café & Finances is a financial education platform operated by Lifelong Development LLC. Always consult a qualified financial professional before making financial decisions. Equal Housing Opportunity.

CAFE AND FINANCES

Licensed mortgage guidance and financial education for families and business owners across North Carolina.

Privacy Policy | Terms of Use | NMLS Consumer Access

Licensing & Credentials

Ivan Lopez Corcino

Licensed Mortgage Professional

NMLS# 1911860 | State of North Carolina

201 Shannon Oaks Cir, Ste 202

Cary, NC 27511

(919) 593-9140

[email protected]

🔍 NMLS Consumer Access | Equal Housing Opportunity

Important Disclosures

This website provides financial education content only and does not constitute financial, legal, tax, mortgage, or investment advice.

Calculator results are estimates for planning purposes only. Individual results will vary. Always consult a licensed professional before making financial decisions.

Statistics cited reflect publicly available data and are subject to change without notice.

Educational Content Disclaimer: All content published by Café & Finances LLC — including articles, blog posts, calculators, guides, and downloadable materials — is produced for general informational and educational purposes only. Nothing on this website or in any associated materials constitutes personalized financial, legal, mortgage, tax, or investment advice, nor does it establish a client relationship of any kind. Results discussed in examples and case studies are illustrative and are not a guarantee, promise, or projection of any specific financial outcome. Individual results will vary based on income, debt balances, interest rates, creditworthiness, payment behavior, and other personal financial factors. Café & Finances LLC and Ivan Lopez Corcino are not liable for any financial decisions made in reliance on this content. Readers are encouraged to consult a licensed financial advisor, attorney, or tax professional before implementing any financial strategy. Ivan Lopez Corcino is a licensed mortgage professional (NMLS# 1911860) in the State of North Carolina. Mortgage origination services are governed by applicable state and federal law. This site is not affiliated with any government agency.

© Copyright Café and Finances LLC 2026. All rights reserved.  |  NMLS# 1911860  |  North Carolina