Free Personal Finance Calculators

📈

Compound Interest Calculator

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

Open calculator →

🔥

FIRE Number Calculator

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

Open calculator →

❄️

Debt Snowball Calculator

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

Open calculator →

🎯

Savings Goal Calculator

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

Open calculator →

🛡️

Emergency Fund Calculator

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

Open calculator →

💳

Credit Card Payoff Calculator

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

Open calculator →

🏠

Rent vs Buy Calculator

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

Open calculator →

📉

Inflation Impact Calculator

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

Open calculator →

📊

4% Rule Retirement Calculator

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

Open calculator →

💼

Net Worth Tracker

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

Open calculator →

📅

Dollar Cost Averaging (DCA) Calculator

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

Open calculator →

📈

Investment Return Calculator

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

Open calculator →

🧾

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.

Open calculator →

🏡

Mortgage Payment Calculator

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

Open calculator →

💵

Paycheck / Take-Home Pay Calculator

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

Open calculator →

⚖️

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.

Open calculator →

🚗

Car Loan Calculator

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

Open calculator →

🎓

Student Loan Payoff Calculator

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

Open calculator →

🏥

HSA Calculator

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

Open calculator →

💼

401k Calculator

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

Open calculator →

📈

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.

Open calculator →

🏛️

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.

Open calculator →

🏠

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.

Open calculator →

💰

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.

Open calculator →

🏖️

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.

Open calculator →

💼

Job Offer Comparison Calculator

Compare two job offers side by side. Salary, bonus, equity, 401k match, health insurance, and cost-of-living adjusted net pay after federal tax.

Open calculator →

📜

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.

Open calculator →

📊

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.

Open calculator →

🏢

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.

Open calculator →

📊

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.

Open calculator →

💡

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.

Open calculator →

📊

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.

Open calculator →

⚖️

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.

Open calculator →

📈

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.

Open calculator →

⚖️

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.

Open calculator →

🍽️

Tip Calculator

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

Open calculator →

✖️

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.

Open calculator →

📋

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.

Open calculator →

🏠

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.

Open calculator →

💸

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.

Open calculator →

💼

Freelance Rate Calculator

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

Open calculator →

🔒

CD Calculator

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

Open calculator →

💰

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.

Open calculator →

🏦

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.

Open calculator →

🔄

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.

Open calculator →

📅

RMD Calculator 2024

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

Open calculator →

🎓

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.

Open calculator →

🏡

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.

Open calculator →

🛡️

Life Insurance Needs Calculator

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

Open calculator →

🏘️

Rental Property Calculator

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

Open calculator →

📅

Annuity Calculator

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

Open calculator →

🚗

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.

Open calculator →

🏠

HELOC Calculator

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

Open calculator →

🚪

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.

Open calculator →

📈

CAGR Calculator

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

Open calculator →

💼

Profit Margin Calculator

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

Open calculator →

💰

Salary Raise Calculator

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

Open calculator →

📅

Amortization Schedule Calculator

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

Open calculator →

🔄

APR to APY Calculator

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

Open calculator →

🏖️

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.

Open calculator →

⚡

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.

Open calculator →

🧾

Self-Employment Tax Calculator

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

Open calculator →

💯

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.

Open calculator →

📉

Real Return Calculator

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

Open calculator →

📊

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.

Open calculator →

💸

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.

Open calculator →

🏡

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.

Open calculator →

🚗

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.

Open calculator →

🗓️

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.

Open calculator →

🎯

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.

Open calculator →

📋

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.

Open calculator →

🏛️

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.

Open calculator →

💰

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.

Open calculator →

🏠

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.

Open calculator →

📊

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.

Open calculator →

🎰

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.

Open calculator →

🏠

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.

Open calculator →

👶

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.

Open calculator →

💍

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.

Open calculator →

🚗

Gig Economy Tax Calculator

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

Open calculator →