About
About Smart Money Calculator
Free tools for exploring financial planning scenarios clearly and independently.
Last reviewed: 6 August 2026
Who maintains the site
Smart Money Calculator is maintained by 0xandybarlow.
Why it exists
The site provides free calculators for comparing debt, investing, retirement, mortgage, pension, and wealth scenarios. It is designed to make assumptions and trade-offs easier to explore before you decide what further research you need.
How calculator inputs are handled
Calculator inputs are processed locally in your browser to show results. You can read the privacy policy for more about data, analytics, and advertising.
What the tools can and cannot do
The calculators provide scenario modelling, not financial advice. Their results depend on the assumptions entered and may simplify real-world rules or circumstances. For the terms that apply to use of the site, see the terms of use.
How the work is reviewed
Read the methodology to understand how calculation sources, testing, reviews, and corrections are approached.