pine

Personal finance, without the noise

Pine is a set of focused finance calculators for making smarter money decisions — budgeting, mortgages, retirement, and more.

Tools

Budget Calculator

Plan your monthly budget and track spending across needs, wants, and savings.

Plan Budget

Paycheck Calculator

Estimate take-home pay after federal taxes, state taxes, and deductions.

Estimate Pay

Salary Breakdown

One sheet for your whole financial picture — income and taxes (with bonus handled separately), monthly expenses in groups you define, and your savings balances.

Open Breakdown

Rent vs. Buy

Compare the true long-term cost of renting against buying, including a save-then-buy mode for modeling a purchase years down the line.

Compare

Affordability Calculator

Find out how much house you can afford based on your income, debts, and down payment — Zillow-style DTI guidance.

Check Affordability

Monte Carlo Simulator

Run thousands of portfolio simulations to estimate the probability of reaching your financial goals under different market scenarios.

Run Simulation

Amortization Calculator

Break a mortgage into a full payment schedule — monthly principal vs. interest, remaining balance over time, and total interest cost.

Calculate

Opportunity Cost Calculator

Compare saving vs. investing over time and see how much more you'd end up with by putting your money in the market.

Compare