Points Frog guide
Money calculators
Quick, private answers to the big money questions: whether you're saving enough to retire, where your income ranks, how much house today's mortgage rates let you buy, and whether the house you have leaves you house poor. Everything runs in your browser; nothing you type is sent to us.
Retirement calculator
Am I saving enough for retirement?
Projects your savings to retirement in today's dollars, in a steady case and an optimistic case at the S&P 500's 6.8% after-inflation average, against the nest egg you'll need.
Open the calculatorIncome percentile calculator
How does my income rank for my age and state?
Ranks your income against people your age in the US or any state, from 2024 Census data. The US median for adults with income is $42,600; the top 10% start at $130,000.
Open the calculatorHome affordability calculator
How much house can I afford at today's rates?
Finds the home price your budget supports and shows how mortgage rates move it. At 7.4%, $100,000 of income buys about $309,000.
Open the calculatorHouse poor calculator
Am I house poor?
Checks your housing costs against HUD's 30% cost-burden line, your debts against lenders' 36% guideline, and whether your savings and monthly leftovers can absorb a surprise.
Open the calculatorTravel budget calculator
How much money do I need for a trip?
Adds up flights, lodging and daily costs into a total, per person and per day, in dollars and 24 other currencies at ECB reference rates. A 7-night trip for two with $750 flights each and $200 a night comes to $5,038 with a 10% buffer.
Open the calculatorBest credit card calculator
Which credit card earns the most on my spending?
Ranks 14 popular US rewards cards by what they'd earn on your monthly spending on dining, groceries, travel, gas and streaming, minus their annual fees, with points valued at Points Frog's estimates.
Open the calculatorInflation calculator
What is $100 from any year worth today?
Converts money from any year since 1913 into today's dollars with the official consumer price index. $100 from 1990 is worth $257.80 at September 2026 prices.
Open the calculatorFIRE calculator
What's my FIRE number, and when can I retire early?
Finds the portfolio that lets you stop working, 25 times your yearly spending at a 4% withdrawal rate ($1,000,000 for $40,000 a year), the age you reach it, and your Lean, Coast and Fat FIRE numbers.
Open the calculatorCents per point calculator
Is this redemption a good deal?
Works out the cents per point an award returns after taxes and fees, and whether it beats paying cash at Points Frog's value for the program. A $420 flight for 25,000 miles plus $11.20 returns 1.64¢ a mile.
Open the calculatorMortgage calculator
What will my mortgage payment be?
Your monthly payment with taxes, insurance and PMI, an amortization schedule, and what extra payments save. At 7.4%, each $100,000 borrowed for 30 years costs $692 a month.
Open the calculatorRent vs buy calculator
Is it better to rent or buy?
Compares buying with renting and investing the difference, year by year. At 7.4%, a $400,000 home that rents for $2,000 a month breaks even in year 10 if savings would earn 4.5%, and not within 30 years at 8.3%.
Open the calculatorCredit card payoff calculator
How long will it take to pay off my credit card?
Finds your payoff date and total interest, and compares the debt snowball with the debt avalanche. At the 21.19% average APR, $5,000 at $200 a month takes 2 years, 10 months.
Open the calculatorCredit card annual fee calculator
Is this card's annual fee worth it?
Weighs a card's fee against the credits you'd really use, lounge visits and points, and the cash back a no-fee card would pay, with the break-even. Presets for the Amex Platinum ($895), Sapphire Reserve ($795), Venture X ($395), Strata Elite ($595), Amex Gold ($325) and Sapphire Preferred ($95).
Open the calculatorLounge access calculator
Is Priority Pass worth it?
Compares day passes, Priority Pass plans and a card with lounge access. Against $60 day passes, Priority Pass Standard pays off from 4 visits a year.
Open the calculatorPoints value calculators
What are my points and miles worth?
Estimates the cash value of airline miles, hotel points and bank rewards in 25 currencies, program by program.
Open the calculator
Income percentiles by state
Every state has its own income percentile page with median income, top 10% and top 1% thresholds by age.