Finance & Calculators

Understand how much it costs to live in different U.S. cities.

The SettleWise Cost of Living Calculator helps you understand how much it really costs to live in a specific U.S. city. It is designed for immigrants and newcomers who are comparing places to live, planning a move, or trying to see if a job offer will cover real life expenses.

• Estimate monthly costs for housing, food, transportation, healthcare, and more.
• See how expenses change from one city or region to another.
• Adjust assumptions to match your family size and lifestyle.
• Use clear, simple numbers to plan your budget before you move.

Whether you are choosing your first U.S. city or thinking about relocating, this calculator gives you a realistic picture of your monthly needs so you can make confident decisions for yourself and your family.

Build a monthly budget that fits your income and expenses.

The SettleWise Budget Calculator gives you a clear picture of your monthly money flow. It’s designed for immigrants and newcomers who are learning U.S. prices and bills. Enter your income and expenses, and the tool instantly shows whether your budget is balanced.

• Compare income vs. expenses in one simple view.
• Organize spending into clear categories like housing, food, and transportation.
• Adjust items easily as your situation changes.
• Learn basic budgeting ideas like emergency savings and planning ahead.

Whether you’re supporting family abroad or managing new costs in the U.S., this calculator makes budgeting simple, visual, and easy to understand.

See how much to save for unexpected events.

Estimate federal, state, and paycheck taxes.

Understand what affects your credit score.

Calculate monthly payments for personal loans.

• Personal loans for any purpose
• Debt consolidation planning
• Home improvement financing
• Medical expense loans
• Education and training costs

• Monthly payment calculation
• Total interest and cost breakdown
• Interest rate comparison tool
• Detailed payment schedule (monthly/yearly)
• Origination fee calculator
• Educational tips for new immigrants

Compare payoff strategies and timelines.

• Paying off credit card debt
• Managing multiple loans efficiently
• Planning debt consolidation
• Building a debt freedom timeline
• Understanding payoff strategies

• Snowball method (smallest balance first)
• Avalanche method (highest interest first)
• Add unlimited debts to track
• Calculate interest savings
• Exact debt-free date projection
• Monthly and yearly payment schedules
• Extra payment impact analysis
• Strategy comparison tools

Learn about: Debt payoff strategies, how interest rates work, building credit while paying debt, and debt consolidation decisions.

Estimate how your salary grows over time with annual raises.

• Understanding long‑term income growth
• Planning future budgets and savings goals
• Comparing job offers with different raise structures
• Estimating future earning potential
• Newcomers learning how U.S. merit increases work

• Project salary growth over multiple years
• Customize annual raise percentage
• See year‑by‑year salary progression
• Compare different raise scenarios
• Understand the impact of small annual increases
• Clear charts and tables for long‑term planning

Learn about: how annual raises work in the U.S., the power of compounding salary growth, long‑term income planning, and how merit increases affect your financial future.

Calculate how your money grows over time with compound interest and regular contributions.

Perfect for immigrants and newcomers building wealth in the US, see real-time charts comparing different interest rates and learn why starting early matters. Whether you're saving in a high-yield account or investing in the stock market, visualize your path from $50/month to $100,000+ with year-by-year breakdowns and scenario comparisons.