# MoneyLens
> See your finances with clarity

Free financial calculators — mortgage, auto loan, compound interest, investment returns, retirement planning, debt payoff, and savings goal. Real formulas, instant results, modern fintech design.

## Financial Calculators (31 total)
- [Compound Interest Calculator](https://money.thicket.sh/compound-interest): See how money grows over time with compound interest and regular contributions.
- [Investment Returns Calculator](https://money.thicket.sh/investment): Project investment growth with annual returns, contributions, and dividend reinvestment.
- [Retirement Calculator](https://money.thicket.sh/retirement): Plan how much to save monthly to reach your retirement goal by your target age.
- [Savings Goal Calculator](https://money.thicket.sh/savings-goal): Calculate how much to save monthly to reach any financial goal by your deadline.
- [Debt Payoff Calculator](https://money.thicket.sh/debt-payoff): Find when you'll be debt-free and how much interest extra payments save.
- [Stock Average Calculator](https://money.thicket.sh/stock-average): Calculate weighted average cost per share across multiple buy transactions.
- [DCA Calculator](https://money.thicket.sh/dca): Project dollar cost averaging returns and compare against lump sum investing.
- [DRIP Calculator](https://money.thicket.sh/drip): Calculate how dividend reinvestment compounds portfolio growth over time.
- [Stock Profit Calculator](https://money.thicket.sh/stock-profit): Calculate stock profit/loss including commissions, capital gains tax, and ROI.
- [Dividend Income Calculator](https://money.thicket.sh/dividend): Estimate annual and monthly dividend income with growth projections.
- [Personal Loan Calculator](https://money.thicket.sh/personal-loan): Calculate payments and total cost for personal loans at various rates and terms.
- [Auto Loan Calculator](https://money.thicket.sh/auto-loan): Estimate monthly car payments with trade-in value, down payment, and loan term options.
- [Student Loan Calculator](https://money.thicket.sh/loan/student): Compare federal and private student loan payments and total interest.
- [Home Equity Calculator](https://money.thicket.sh/loan/home-equity): Calculate available equity and monthly payments for home equity loans.
- [Debt Consolidation Calculator](https://money.thicket.sh/loan/debt-consolidation): Compare current debt payments vs a single consolidated loan.
- [Loan Refinance Calculator](https://money.thicket.sh/loan/refinance): See monthly savings, break-even, and total interest saved by refinancing.
- [Loan Payoff Calculator](https://money.thicket.sh/loan/extra-payment): Calculate how extra payments reduce your loan term and total interest.
- [Loan Affordability Calculator](https://money.thicket.sh/loan/affordability): Find the maximum loan you can afford based on your income and debts.
- [Mortgage Calculator](https://money.thicket.sh/mortgage): Calculate monthly mortgage payments, total interest, and see payment breakdowns for home loans.
- [Monthly Payment (PITI)](https://money.thicket.sh/mortgage/monthly-payment): Full PITI breakdown with principal, interest, taxes, insurance, and PMI.
- [Home Affordability Calculator](https://money.thicket.sh/mortgage/affordability): Find how much home you can afford based on income, debts, and down payment.
- [Mortgage Refinance Calculator](https://money.thicket.sh/mortgage/refinance): Compare current vs new mortgage rates and calculate break-even point.
- [Rent vs Buy Calculator](https://money.thicket.sh/mortgage/rent-vs-buy): Compare total cost of renting vs buying over a multi-year period.
- [Extra Mortgage Payments](https://money.thicket.sh/mortgage/extra-payments): See how extra payments reduce your mortgage term and total interest.
- [Amortization Schedule](https://money.thicket.sh/mortgage/amortization): Generate a full month-by-month amortization schedule for your mortgage.
- [Closing Costs Calculator](https://money.thicket.sh/mortgage/closing-costs): Estimate closing costs by state with itemized breakdowns.
- [Down Payment Calculator](https://money.thicket.sh/mortgage/down-payment): Calculate down payment impact on monthly payments and PMI.
- [ARM vs Fixed Calculator](https://money.thicket.sh/mortgage/arm-vs-fixed): Compare adjustable-rate vs fixed-rate mortgage costs over time.

## Articles
- [The True Cost of a $400K Mortgage: 47 Scenarios Compared](https://money.thicket.sh/blog/true-cost-400k-mortgage): 47 modeled scenarios varying down payment (5-20%), rate (6-8%), and term (15-30 years) on a $400K home. Includes PMI analysis, biweekly payment savings, and opportunity cost comparison.

## About
- Free, no sign-up required
- Real financial formulas (amortization, compound interest, present value)
- Instant client-side calculations
- Mobile-friendly responsive design