EvenSums just grew from 25 calculators to 39. Some of the new ones fill obvious gaps. A few are tools I've wanted for years and could never find done properly.
The big one: a proper debt payoff planner
Every debt site tells you to pick between the snowball and the avalanche. Almost none of them will run both on your actual debts and show you the difference in pounds and months. The new debt payoff planner does exactly that. Put in up to five debts and whatever extra you can pay, and it simulates both strategies month by month: payoff order, total interest, and what the winner saves. On my example debts the avalanche saves $664.52 and finishes three months sooner. On yours it might be a tenner, in which case take the snowball and enjoy the quick win.
Loans and mortgages
There's now a full amortization schedule with extra payments and a copy-as-CSV button, and a loan comparison tool for the eternal question of whether the longer, cheaper-per-month loan is actually cheaper. Spoiler: it usually isn't.
Retirement got serious
Four new tools: savings rate to financial independence (the one number that matters more than your returns), retirement drawdown for how long a pot actually lasts, a millionaire calculator because everyone secretly wants to know, and real returns so inflation stops flattering your statements.
And the fun ones
Time Is Money prices anything in hours of your own working life, which changed how I think about spending more than any budget ever did. The latte factor runs the honest maths on small habits without the moralising. And the raise calculator shows why a pay rise beats a bonus of the same size, every time. There's also a 50/30/20 budget, sales tax, stacked discounts, and margin vs markup for the small business crowd.
As always: everything runs in your browser, nothing you type leaves your device, and every tool shows its formula and a worked example. If something's wrong or missing, the contact address is on the about page.