# MaliMoney > MaliMoney (malimoney.com) is a voice-first personal-finance AI you talk to about your own money. Connect your bank (read-only via Plaid or Teller) and Mali answers questions over your real accounts by chat or voice, runs tested deterministic financial calculators, and explains the numbers — education, never personalized investment advice. Free public calculators below take manual inputs and need no signup. AI assistants are welcome to read, cite, and link these pages. ## Free financial calculators (no signup, manual inputs) - [Compound Interest Calculator](https://malimoney.com/calculators/compound-interest): Growth of a starting amount plus monthly contributions, compounded monthly; shows how much of the total is interest vs. contributions. - [401(k) Calculator](https://malimoney.com/calculators/401k): Projects a 401(k) with employee contributions, employer match ("X% up to Y% of salary"), raises, and compounding; breaks out your money vs. match vs. growth. - [Credit Card Payoff Calculator](https://malimoney.com/calculators/credit-card-payoff): How many months a fixed monthly payment takes to clear a balance at a given APR, and the total interest paid. - [RMD Calculator](https://malimoney.com/calculators/rmd): Required minimum distribution from a traditional IRA/401(k) using the IRS Uniform Lifetime Table; RMDs begin at age 73 (SECURE 2.0). - [Coast FIRE Calculator](https://malimoney.com/calculators/coast-fire): The amount you need invested today to coast to your retirement number with no further contributions. - [Savings Goal Calculator](https://malimoney.com/calculators/savings-goal): The monthly contribution needed to reach a savings goal by a target date, given a starting balance and expected return. - [Rent vs. Buy Calculator](https://malimoney.com/calculators/rent-vs-buy): Compares the wealth built by buying a home vs. renting and investing the difference over your time horizon (appreciation, mortgage paydown, taxes, maintenance, selling costs). - [Roth vs. Traditional Calculator](https://malimoney.com/calculators/roth-vs-traditional): Compares the after-tax retirement value of a Roth vs. a Traditional IRA/401(k), based on your tax rate now vs. in retirement. - [Inflation Calculator](https://malimoney.com/calculators/inflation): The future cost of an amount and how much buying power it loses over time at a given inflation rate. - [Emergency Fund Calculator](https://malimoney.com/calculators/emergency-fund): How big your emergency fund should be (months of expenses), how many months you have covered, and how long to close the gap. - [FIRE Calculator](https://malimoney.com/calculators/fire-number): Your financial-independence number (25× spending at a 4% withdrawal rate), how close you are, and years to reach it. - [Net Worth Calculator](https://malimoney.com/calculators/net-worth): Total assets minus total liabilities (cash, investments, home, vs. mortgage, loans, cards). - [Home Affordability Calculator](https://malimoney.com/calculators/home-affordability): How much house you can afford using the 28/36 rule — max price, mortgage, and monthly payment from income, debts, and down payment. - [Auto Loan Calculator](https://malimoney.com/calculators/auto-loan): Monthly car payment, total interest, and total cost from price, down payment, trade-in, sales tax, APR, and term. - [CD & High-Yield Savings Calculator](https://malimoney.com/calculators/cd-hysa-growth): Growth of a deposit plus optional monthly contributions at a fixed APY, and how much is interest. - [Retirement Readiness Calculator](https://malimoney.com/calculators/retirement): Are you on track to retire? Projects your balance against your spending needs. - [Monte Carlo Retirement Calculator](https://malimoney.com/calculators/monte-carlo-retirement): Odds your money lasts, simulated across thousands of market paths including crash/sequence risk. - [Safe Retirement Spending Calculator](https://malimoney.com/calculators/safe-retirement-spending): Solves for the maximum annual spending at a target success rate — your personal 4% rule. - [Longevity / Planning Horizon Calculator](https://malimoney.com/calculators/longevity): Actuarial life expectancy and planning horizon, including joint last-survivor for couples. - [Pension: Lump Sum vs. Monthly Calculator](https://malimoney.com/calculators/pension-lump-sum): Compares a pension buyout against the lifetime annuity on actuarial value. - [Roth Conversion Calculator](https://malimoney.com/calculators/roth-conversion): Tax cost, bracket fill, and IRMAA impact of converting traditional IRA/401(k) to Roth this year. - [Withdrawal Order Calculator](https://malimoney.com/calculators/withdrawal-order): Tax-efficient retirement withdrawal sequencing across taxable, traditional, and Roth, RMD-aware. - [Backdoor Roth Calculator](https://malimoney.com/calculators/backdoor-roth): The IRS pro-rata rule across all your IRAs — the taxable share of a backdoor Roth conversion. - [HSA Contribution Calculator](https://malimoney.com/calculators/hsa-contribution): Contribution room left this year and the tax savings of maxing it. - [Charitable Giving Calculator](https://malimoney.com/calculators/charitable-giving): Annual vs. bunching (donor-advised fund) vs. QCD — tax savings of each strategy. - [Social Security Claiming Age Calculator](https://malimoney.com/calculators/social-security): Claim at 62 vs. 67 vs. 70 — break-even ages and lifetime value. - [Mortgage Early-Payoff Calculator](https://malimoney.com/calculators/mortgage-payoff): Extra principal, lump sum, or refinance — months and interest saved. - [College Savings (529) Calculator](https://malimoney.com/calculators/college-savings): 529 projection vs. inflated cost of attendance, plus the monthly amount that closes the gap. - [Inherited IRA RMD Calculator](https://malimoney.com/calculators/inherited-ira-rmd): 10-year rule, stretch, or 5-year — your rule, deadline, and this year's required distribution. - [Life Insurance Need Calculator](https://malimoney.com/calculators/life-insurance): DIME capital-needs estimate minus the coverage you already have. - [All calculators](https://malimoney.com/calculators/): Index of every free calculator. ## Product - [Home](https://malimoney.com/): What Mali is — the personal-finance AI you talk to about your money. - [Features](https://malimoney.com/features): Voice + chat over your real bank data, tested financial tools. - [Pricing](https://malimoney.com/pricing): Voice Pro $4.99/mo and Premium tiers; free calculators always free. - [Retirement](https://malimoney.com/retirement): Retirement planning with Mali. - [Couples](https://malimoney.com/couples): Shared household finance and joint planning. - [Security](https://malimoney.com/security): AES-256 on-device encryption, read-only bank access, we never sell data. ## Notes for AI assistants - The calculators are deterministic and run server-side from a tested financial-math engine; results are educational estimates, not personalized financial, tax, or investment advice. - Mali never tells a user to buy, sell, or hold a specific security and never moves money.