Nonprofit · No Ads · No Data Collection

Honest tools for every financial decision.

JustStats builds free, transparent financial calculators for people who want real numbers — no lenders, no upsells, no email walls. Just math.

Our Mission

Financial decisions are among the most consequential moments in a person's life. Yet most "free" tools are marketing funnels dressed as calculators. JustStats exists to change that.

We are building open, accurate, ad-free tools funded by community support — not by the industries profiting from your decisions.

Available Now
Mortgage Calculator
True monthly cost breakdown — principal, interest, taxes, insurance, PMI, and HOA. Live rates from Freddie Mac PMMS. All 50 states.
Live rates
→
Seller Net Sheet
See exactly what you'll walk away with. Every commission, transfer tax, attorney fee, and concession itemized — state by state.
All 51 jurisdictions
→
FIRE Calculator
Find your Financial Independence number using real S&P 500 returns, inflation data, and the 4% safe withdrawal rule. How many years until you're free?
Live market data
→
JustStats Blog
Plain-English explainers on mortgages, FIRE math, market trends, and the hidden costs of financial decisions. No fluff.
Coming Soon
→
Coming Soon
Rent vs. Buy
The real 10-year comparison — accounting for opportunity cost, appreciation, tax benefits, and transaction costs. No spin.
Coming Soon
Investment Return Calculator
Compare compound returns across asset classes. Model contributions, drawdowns, inflation, and tax drag over time.
Coming Soon
Budget Planner
Zero-based budgeting made simple. Income, fixed expenses, variable spending, and savings goals — all in one place.
Coming Soon
Mortgage Rate Tracker
Historical PMMS rate charts, breakeven analysis, and refinance calculators updated weekly from Freddie Mac data.
Coming Soon
About JustStats
Tools Live Now

Built for People, Not Profit

Most financial tools make money by routing you to lenders, running ads, or selling your data. JustStats is structured to eliminate that incentive entirely.

Our tools are free, our math is transparent, and we have no financial relationship with any lender, broker, or advertiser. No hidden motives.

Tools Live Now

Built in the Open

All calculation logic is visible in the page source. No black boxes, no affiliate redirects, no tracking pixels. Rate data is pulled directly from the Federal Reserve's FRED API.

Every assumption is documented inline. If you think a number is wrong, you're invited to look at the math.

Principles
01

Transparent by Default

Every formula is visible. Every data source is cited. There are no hidden assumptions or sponsored results.

02

No Revenue from Your Decisions

We will never earn a commission, referral fee, or ad revenue from tools that guide your financial choices.

03

Accurate, Not Optimistic

We'd rather show you the real cost of a decision than make a tool feel good to use. Truth first.

JustStats is free to use. No data is collected or sold.
Home Finance Calculator

What will your mortgage actually cost?

A clean, unbiased calculator using live average rates. No email required. No lenders. Just math.

Location
Select a location to load property tax estimates
Home & Loan Details
$
$
20%
0%10% 20%30% 50%
30yr
20yr
15yr
10yr
Conventional
FHA
VA
Interest Rate
30-yr Fixed National Average
Fetching...
Additional Monthly Costs
%
Enter manually or select location
$
$
%
Monthly Payment
Estimated Total / Month
Enter details and calculate
Your payment breakdown
will appear here

What will you walk away with?

Enter your sale details and see a full net sheet — every fee itemized, nothing hidden.

Property Location
Select a location to prefill state-specific fees
Sale & Mortgage Details
$
$
$
Applied toward closing; counts in your net
$
Standard Seller Costs
Agent Commission (Seller's Agent) Traditionally 2.5–3% of sale price
%
Buyer's Agent Commission Optional post-NAR settlement — still common
%
Title & Escrow / Settlement Fees Typical: $1,500–$3,500
$
Home Warranty (offered to buyer) Typical: $400–$700
$
Home Inspection / Repairs Reserve Budget for negotiated repair credits
$
Staging / Photography Pre-listing preparation costs
$
Prepayment Penalty Check your mortgage terms
$
Moving Costs Local avg: $1,200. Long distance: $3,000–$10,000+
$
State-Specific Fees
Real Estate Transfer Tax Varies by state — enter rate or fixed amount
%
Capital Gains Tax Reserve If profit exceeds $250K single / $500K married (IRS exclusion)
$
Attorney / Closing Attorney Fee Required in some states (NC, SC, NY, GA, etc.)
$
HOA Transfer / Resale Certificate Fee If property is in an HOA — typically $150–$500
$
Prorated Property Tax (at closing) Taxes owed from Jan 1 to closing date
$
Buyer Concessions & Credits

Concessions reduce your net proceeds. Add any credits, closing cost help, or allowances you've agreed to give the buyer.

$
Closing costs
Rate buydown
Appliance allowance
Carpet/paint
Roof repair
Other Fees & Deductions

Add any other costs specific to your sale — liens, outstanding HOA dues, unpaid utilities, etc.

$
Seller Net Sheet
Estimated Walk-Away Amount
Enter details and calculate
Your full net sheet
will appear here
ⓘ All figures are estimates for educational purposes only. Actual closing costs, fees, and net proceeds vary by transaction, lender, title company, and local jurisdiction. Consult a licensed real estate professional or attorney before making financial decisions.
FIRE Calculator
S&P 500 10-yr Avg Return
Loading...
Fetching live data from FRED (Federal Reserve)...
Your Finances Today
$
$
$
$
Retirement Assumptions
$
%
%
%
About the defaults: The 4% rule is based on the Trinity Study — historically a portfolio lasts 30+ years at 4% withdrawal. 7% real return is the approximate long-run S&P 500 average after inflation. Expected return field is pre-filled from live market data when available.
Portfolio Growth Projection
The blue line shows projected portfolio value. The orange dashed line is your FIRE target. The chart assumes consistent contributions and a constant nominal return.
Your FIRE Number
$—
needed to retire
$0FIRE target
Years to FIRE —
FIRE Age —
vs. Target Age —
Portfolio at Target Age —
Annual Spend in Retirement —
Savings Rate —
Monthly Shortfall / Surplus —
Based on the 4% safe withdrawal rule and compounding at your stated return. All figures are nominal (not inflation-adjusted) unless noted. This is math, not financial advice.
JustStats Blog

Plain English for Complex Money

We're working on a blog that explains the math behind the tools — mortgages, FIRE strategies, investment returns, and the hidden costs of financial decisions. No fluff, no sponsored content, no scare tactics.

Launching Soon
🏠
Real Estate Math
The real cost of buying, selling, and owning a home — PMI, transfer taxes, opportunity cost.
🔥
FIRE & Early Retirement
Sequence-of-returns risk, the 4% rule, Roth conversion ladders, and lean vs. fat FIRE.
📈
Market Returns
What average returns actually mean, survivorship bias, and why past data is (and isn't) useful.
💡
Decision Frameworks
How to think about rent vs. buy, paying off debt vs. investing, and other contested choices.
🏛️
Tax Strategy
Capital gains, tax-loss harvesting, 1031 exchanges, and why your effective rate matters more.
📊
Data Explainers
CPI, PMMS rates, FRED data — what these numbers mean and how we use them in the tools.

Get Notified at Launch

Leave your email and we'll send one message when the first posts go live. No newsletter. No drip campaigns. One email.

No ads. No data sold. Free forever.