Free Personal Finance Calculators

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Compound Interest Calculator

See how your money grows over time with the power of compounding. Adjust rate, frequency, and contributions.

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FIRE Number Calculator

Calculate exactly how much you need to retire early. Based on your annual expenses and safe withdrawal rate.

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Debt Snowball Calculator

Pay off multiple debts faster. Enter your balances, rates, and minimum payments to build your payoff plan.

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Savings Goal Calculator

Work backwards from your goal. Find out how much to save each month to hit your target on time.

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Emergency Fund Calculator

How big should your safety net be? Get a personalised target based on your expenses and situation.

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Credit Card Payoff Calculator

See how long it takes to clear your balance at different payment levels — and how much interest you'll save.

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Rent vs Buy Calculator

Is buying really better than renting? Model the true total cost of each option over your time horizon.

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Inflation Impact Calculator

Find out what your money will be worth in the future — or what today's prices were worth in the past.

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4% Rule Retirement Calculator

Apply the classic safe withdrawal rate to your portfolio. Know your sustainable annual income from savings.

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Net Worth Tracker

Add up your assets and liabilities to get your real net worth. Simple, private, and nothing stored.

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Dollar Cost Averaging (DCA) Calculator

Simulate monthly investing into any asset. See how consistent contributions build serious wealth over time.

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Investment Return Calculator

Model your portfolio growth with preset scenarios — conservative, moderate, aggressive, or historical S&P 500.

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US Tax Bracket Calculator 2024

Enter your income and filing status to see your exact federal tax, effective rate, and a full bracket-by-bracket breakdown.

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Mortgage Payment Calculator

Calculate monthly P&I payment, total interest over the loan life, and a full year-by-year amortization schedule.

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Paycheck / Take-Home Pay Calculator

See your real take-home pay after federal income tax and FICA. 2024 tax brackets. All filing statuses supported.

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Roth vs Traditional IRA Calculator

Find out which IRA wins based on your current vs retirement tax rate. See the real dollar difference side by side.

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Car Loan Calculator

Calculate your monthly payment, total interest, and see a full amortization schedule. Compare 36/48/60/72/84 month terms.

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Student Loan Payoff Calculator

See how extra monthly payments eliminate your student debt years early and save thousands in interest.

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HSA Calculator

Calculate your Health Savings Account tax savings and long-term growth. See the triple tax advantage in action.

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401k Calculator

Project your 401k balance at retirement with employer match, contribution limits, and year-by-year growth.

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Capital Gains Tax Calculator

Calculate your 2024 capital gains tax. Long-term vs short-term rates, NIIT, and how much you keep after selling investments.

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Social Security Benefit Estimator

See how claiming at 62, 67, or 70 affects your monthly benefit and total lifetime payout. Find your break-even age.

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Home Affordability Calculator

Find out how much house you can afford using the 28/36 rule and DTI ratios. See conservative, comfortable, and max scenarios.

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Dividend Reinvestment Calculator (DRIP)

See how reinvesting dividends compounds your portfolio over time. Compare DRIP vs cash payouts side by side with year-by-year breakdown.

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Retirement Withdrawal Calculator

How long will your savings last in retirement? Model your portfolio runway with inflation-adjusted withdrawals and see year-by-year balances.

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Salary to Hourly Calculator

Convert any pay rate to hourly, daily, weekly, monthly, and annual. Compare two job offers side by side with take-home pay estimates.

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Bond Yield to Maturity Calculator

Calculate YTM, current yield, Macaulay duration, and total return for any bond. Supports semi-annual and annual coupons with full payment schedule.

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Options Break-Even Calculator

Find the exact break-even price for any call or put option. See max loss, profit potential, and a full P&L scenario table with chart.

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Payroll Cost Calculator (Employer)

The true cost of hiring. Calculate employer FICA, FUTA, SUTA, benefits, and overhead. See your real cost beyond base salary — monthly, daily, and hourly.

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P/E Ratio Calculator

Calculate the price-to-earnings ratio and estimate fair value using sector averages, Graham Formula, and PEG ratio. Includes margin of safety analysis.

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DCF Calculator (Discounted Cash Flow)

Find the intrinsic value of any stock using DCF analysis. Two-phase growth model, terminal value, sensitivity table. The valuation method used by professional investors.

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Savings Rate Calculator

Calculate what percentage of your income you're saving and see how it shapes your path to financial independence. Includes FI timeline table for every savings rate.

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Portfolio Rebalancing Calculator

Enter your holdings and target allocations. Get exact buy/sell instructions to rebalance. Supports sell-and-buy and buy-only methods. Includes preset portfolios.

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NPV & IRR Calculator

Calculate Net Present Value and Internal Rate of Return for any investment or project. Enter cash flows, get NPV, IRR, payback period, and sensitivity analysis.

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Break-Even Analysis Calculator

Find your break-even point in units and revenue. See contribution margin, margin of safety, and how price changes affect profitability. Essential for any business.

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Tip Calculator

Calculate tip amount and split the bill between multiple people. Choose from preset percentages or enter a custom tip. Instant results.

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Rule of 72 Calculator

How long to double your money? Divide 72 by your return rate. See doubling times at every common interest rate with a comparison table.

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50/30/20 Budget Calculator

Apply the classic budgeting rule to your income. See exactly how much to allocate to needs, wants, and savings — monthly and annually.

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Debt-to-Income Ratio Calculator

Calculate your DTI ratio to see if you qualify for a mortgage. Understand front-end vs back-end DTI and lender benchmarks.

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Expense Ratio Impact Calculator

See how fund fees silently erode your wealth over 30 years. Compare a 0.03% index fund vs a 1% managed fund — the difference is staggering.

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Freelance Rate Calculator

What should you charge per hour? Calculate your minimum viable freelance rate based on income goals, business expenses, and billable hours.

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CD Calculator

Calculate Certificate of Deposit interest and maturity value. Compare different terms and APY rates. See which CD term maximizes your return.

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Gross to Net Pay Calculator

Convert your gross salary to actual take-home pay after federal taxes, FICA, state taxes, 401k, and health insurance. Full annual breakdown.

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Savings Account Calculator

See how your savings grow in a high-yield savings account. Compare HYSA vs traditional bank rates. Year-by-year growth table included.

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Roth Conversion Calculator

Should you convert your Traditional IRA to a Roth? Compare the tax cost now vs. tax-free growth later. Gives a clear verdict on whether to convert.

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RMD Calculator 2024

Calculate your Required Minimum Distribution from IRA or 401(k) using the official IRS Uniform Lifetime Table. Includes 10-year projection.

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529 College Savings Calculator

How much do you need to save monthly to fund your child's education? Accounts for tuition inflation and 529 investment growth.

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Home Equity Calculator

Find out how much equity you have, your loan-to-value ratio, and how much you could borrow via HELOC or cash-out refinance.

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Life Insurance Needs Calculator

How much life insurance do you actually need? Uses the DIME method (Debt + Income + Mortgage + Education) for a comprehensive estimate.

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Rental Property Calculator

Analyze any rental property investment: cash flow, cap rate, cash-on-cash return, and gross yield. Includes 1% rule check.

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Annuity Calculator

Calculate annuity present value, future value, or required payment. Supports ordinary annuity and annuity due for retirement income planning.

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Car Depreciation Calculator

See how much your car loses in value each year. Calculate the true total cost of ownership including depreciation, fuel, insurance, and maintenance.

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HELOC Calculator

Calculate Home Equity Line of Credit payments for draw and repayment periods. Compare interest-only vs. fully amortizing options.

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Backdoor Roth IRA Calculator

Check if you qualify for a direct Roth IRA in 2024. If not, calculate the pro-rata rule tax impact of the backdoor Roth strategy.

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CAGR Calculator

Calculate the Compound Annual Growth Rate for any investment. See total return, absolute gain, and a growth projection table.

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Profit Margin Calculator

Calculate gross margin, net margin, and operating margin. Understand the difference between margin and markup.

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Salary Raise Calculator

Calculate your new salary after a raise. See annual, monthly, weekly, and hourly pay changes. Compare raises at 1–10%.

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Amortization Schedule Calculator

Generate a complete amortization schedule for any loan. See principal, interest, and balance for every payment.

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APR to APY Calculator

Convert between APR and APY for any compounding frequency. Compare rates across daily, monthly, and annual compounding.

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Coast FIRE Calculator

How much do you need saved TODAY to retire without ever contributing again? Calculate your Coast FIRE number and when you can stop saving.

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Lump Sum vs DCA Calculator

Invest it all at once or spread it out? Compare lump sum investing vs dollar-cost averaging and see which strategy wins for your situation.

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Self-Employment Tax Calculator

Freelancer or 1099 contractor? Estimate your SE tax, federal income tax, quarterly payments, and true take-home pay for 2024.

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Credit Score Impact Calculator

See exactly how your credit score affects your mortgage, auto loan, and personal loan rates — and how much more you pay with a lower score.

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Real Return Calculator

What are your investments actually worth after inflation? Calculate inflation-adjusted real returns and see your true purchasing power over time.

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US Wealth Percentile Calculator

Find out where your net worth ranks among all Americans. Based on Federal Reserve Survey of Consumer Finances 2022. Age-adjusted comparisons included.

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US Income Percentile Calculator

See what percentile your salary puts you in. Compare against all individual earners or households. Based on US Census Bureau data 2023.

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Home Sale Proceeds Calculator

Exactly how much will you pocket after selling your home? Accounts for realtor commission, closing costs, mortgage payoff, repairs, and moving expenses.

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Car Affordability Calculator

How much car can you really afford? Uses the 20/4/10 rule to check your down payment, loan term, and total transportation cost against your income.

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Biweekly Mortgage Calculator

Pay your mortgage every two weeks instead of monthly. See how this simple switch shaves years off your loan and saves tens of thousands in interest.

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Millionaire Date Calculator

When will you hit $1 million? Enter your current net worth, monthly savings, and expected return to get your exact millionaire date and wealth milestones.

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W-4 Tax Withholding Calculator

Find the right withholding to avoid owing at tax time or giving the IRS an interest-free loan. Handles multi-income households, credits, and deductions.

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Inheritance & Estate Tax Calculator

Estimate federal estate tax, state estate or inheritance tax, and net inheritance. Based on 2024 federal exemption of $13.61M. All 18 estate-tax states included.

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Lifetime Value of a Raise Calculator

A raise isn't just more money this year — it compounds for your whole career. See the true 5, 10, 20, and 30-year value of any salary increase.

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Rent Increase Impact Calculator

Your landlord raised the rent. Should you absorb it or move? Calculate the true moving cost, monthly savings, and exact breakeven month.

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50/30/20 Budget Planner

Enter your income and actual expenses to see how you're doing against the classic 50/30/20 rule. Detailed breakdown across needs, wants, and savings.

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Lottery Tax Calculator

See what you actually take home after federal and state taxes. Lump sum vs annuity comparison. Spoiler: it's a lot less than the headline number.

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Home Office Deduction Calculator

Compare the IRS simplified method ($5/sq ft) vs regular method. See which gives a bigger deduction and your actual tax savings. Self-employed only.

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Childcare Tax Credit Calculator

Calculate your Child and Dependent Care Credit. See how FSA contributions interact with the credit and your exact tax savings for 2024.

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Marriage Tax Penalty Calculator

See if getting married increases or decreases your taxes. Compare filing single vs jointly — and find out if you get a penalty or a bonus.

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Gig Economy Tax Calculator

Quarterly estimated taxes for Uber, DoorDash, Instacart, and freelancers. Self-employment tax + income tax breakdown with payment due dates.

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