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 BudgetPaycheck Calculator
Estimate take-home pay after federal taxes, state taxes, and deductions.
Estimate PaySalary 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 BreakdownRent 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.
CompareAffordability Calculator
Find out how much house you can afford based on your income, debts, and down payment — Zillow-style DTI guidance.
Check AffordabilityMonte Carlo Simulator
Run thousands of portfolio simulations to estimate the probability of reaching your financial goals under different market scenarios.
Run SimulationAmortization Calculator
Break a mortgage into a full payment schedule — monthly principal vs. interest, remaining balance over time, and total interest cost.
CalculateOpportunity 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.
CompareBudget Calculator
Plan your monthly budget and track spending across needs, wants, and savings.
Plan BudgetPaycheck Calculator
Estimate take-home pay after federal taxes, state taxes, and deductions.
Estimate PaySalary 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 BreakdownRent 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.
CompareAffordability Calculator
Find out how much house you can afford based on your income, debts, and down payment — Zillow-style DTI guidance.
Check AffordabilityMonte Carlo Simulator
Run thousands of portfolio simulations to estimate the probability of reaching your financial goals under different market scenarios.
Run SimulationAmortization Calculator
Break a mortgage into a full payment schedule — monthly principal vs. interest, remaining balance over time, and total interest cost.
CalculateOpportunity 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