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finbreezy

Money decisions, made breezy.

What are you trying to decide?

Tell us the decision. Get the short answer, worked out with your numbers, plus the trade-offs. Free, no sign-up.

Decisions people bring us

The short answer up front. The tools that work it out underneath.

Should I pay off my credit card or invest?

Short answer: Clear the card first. It's costing you 21%, and no investment reliably beats that.

Uses

  • Loan
  • Investment returns

See the full answer

Should I rent or buy?

Short answer: Buy only if you'll stay put for about five years or more. Before that, the costs of buying usually outweigh rent.

Uses

  • Loan
  • Investment returns

Work it out with the loan tool

How big should my emergency fund be?

Short answer: Three to six months of essential spending, somewhere easy to reach. Lean to six if your income is lumpy.

Uses

  • 50/30/20 budget
  • Compound interest

Work it out with the 50/30/20 budget tool

Can I afford this car?

Short answer: Probably, if repayments, insurance and running costs together stay under about 15% of take-home pay.

Uses

  • Loan
  • Take-home pay

Work it out with the loan tool

When can I retire?

Short answer: Roughly when your pot reaches about 25 times what you spend in a year.

Uses

  • Retirement
  • Investment returns

Work it out with the retirement tool

Is this salary offer actually better?

Short answer: Compare take-home pay and benefits, not the headline number.

Uses

  • Take-home pay
  • 50/30/20 budget

Work it out with the take-home pay tool

How it works

  1. 1

    Bring the decision

    Pick the call you're facing, or type it in your own words.

  2. 2

    Get the short answer

    The verdict comes first, worked out with your numbers. No jargon.

  3. 3

    Check the trade-offs

    See what you give up, and exactly when the answer would flip.

The Sunday Breeze

One money decision, worked out, in your inbox every Sunday. Short, free, and easy to leave.

The tools

The calculators behind every answer, free to use on their own.

All tools