Retirement & Personal Finance Calculators
Free, private financial tools running 100% in your browser. Calculate retirement distributions, Social Security payouts, and wealth planning without creating an account.
Car Loan Early Payoff Calculator — Extra Payments & Negative Equity Accelerator
Calculate how extra monthly payments, lump-sum bonuses, or bi-weekly auto loans shorten your car loan, eliminate interest, and exit upside-down negative equity.
Mortgage Payoff Calculator — Extra Payments & Early Amortization Accelerator
Calculate how extra monthly payments, annual lump sums, or bi-weekly mortgages shorten your 30-year home loan. See exact years shaved off, total interest saved, and interactive equity payoff curve.
Down Payment Calculator — Minimum Down Payments, PMI Tiers & LTV Analysis
Calculate minimum down payment requirements across Conventional, FHA (3.5%), VA (0%), and Jumbo loans. Analyze Loan-to-Value (LTV), monthly PMI drop-off, closing costs, and lifetime interest savings.
Rent vs Buy Calculator — 30-Year Net Worth & Breakeven Horizon
Comprehensive rent vs buy calculator. Compares home equity, property tax, maintenance, and mortgage interest deduction against renting and investing the down payment in index funds.
Debt Payoff Calculator — Avalanche vs Snowball Method Comparison
Compare Debt Avalanche (highest APR first) vs Debt Snowball (lowest balance first). Calculate exact debt-free dates, total interest saved, and monthly payoff schedules.
FIRE Calculator — Financial Independence, Retire Early & 4% Rule Number
Calculate your exact FIRE Number, years to financial independence, Safe Withdrawal Rate (SWR), and compare LeanFIRE, BaristaFIRE, and FatFIRE milestones.
Salary Calculator — Take-Home Paycheck & Tax Deduction Breakdown
Calculate take-home pay, federal income taxes, FICA (Social Security & Medicare), state taxes, and pre-tax deductions. Features hourly, weekly, bi-weekly, and annual schedules.
Mortgage Calculator with Extra Payments & Amortization Schedule
Calculate monthly mortgage payments, total interest, PMI, property tax, and homeowners insurance. Features interactive amortization schedule, extra payments simulator, and visual payoff chart.
Auto Loan Calculator with Trade-In, Sales Tax & Amortization
Calculate monthly car loan payments, total interest, dealership sales tax, and trade-in equity. Compare 36, 48, 60, 72, and 84-month auto loan terms.
Personal Loan & Debt Consolidation Calculator
Calculate personal loan monthly payments, amortization schedule, and interest savings from consolidating high-APR credit card balances into a fixed-rate loan.
Inflation & Purchasing Power Calculator (Historical & Future)
Calculate how inflation erodes purchasing power over time. Compare historical dollar values and project future cost-of-living increases with annual compound inflation.
401(k) Calculator with Employer Match & Retirement Growth
Estimate your 401k nest egg at retirement. Simulates salary contributions, employer company match (free money), annual pay raises, and compound investment growth.
Social Security Benefit Calculator by Age (62 vs 67 vs 70 & Break-Even)
Compare estimated monthly and lifetime Social Security retirement benefits taking them early at 62, full retirement age (67), or delaying until 70 with COLA compounding, spousal options, and break-even analysis.
IRS Required Minimum Distribution (RMD) Calculator (SECURE 2.0 & Table III)
Calculate your mandatory annual IRS Required Minimum Distribution (RMD) under SECURE 2.0. Includes IRS Uniform Lifetime Table III, 5-year projections, missed RMD penalty estimator, and QCD deductions.
Retirement Nest Egg & Safe Withdrawal Calculator (Trinity 4% & Guardrails)
Determine how long your retirement portfolio will last using the Trinity 4% rule, Guyton-Klinger guardrails, inflation adjustments, and Sequence of Returns Risk modeling.
Pension Annuity vs. Lump Sum Calculator (With Market Opportunity & Break-Even)
Compare a guaranteed lifetime pension annuity vs. an invested lump sum payout. Calculate break-even age, investment opportunity cost, inflation erosion, and residual estate legacy.
Senior Home Downsizing Calculator (Net Cash-Out, Taxes & Monthly Savings)
Calculate net cash proceeds from downsizing your home. Factor in Section 121 capital gains exclusion, Realtor commissions, closing costs, and monthly recurring living expense savings.
Inherited IRA 10-Year Rule & Annual RMD Calculator (SECURE 2.0 & IRS Final Rules)
Calculate mandatory annual RMDs, 10-year withdrawal schedules, and tax-bracket impact for inherited Traditional & Roth IRAs under IRS final regulations (TD 10001).
50-State Judgment Interest Calculator (Pre- & Post-Judgment Statutory Accrual)
Calculate statutory pre- and post-judgment interest with exact per diem daily accrual across all 50 US states (California 10%, New York 9%, Texas 8.5%, Florida, and federal rates).
Social Security Taxability & "Tax Torpedo" Calculator (Provisional Income)
Calculate federal income tax on Social Security benefits (0%, 50%, or 85%) using IRS Provisional Combined Income thresholds. Model the dreaded 40.7% Tax Torpedo marginal rate.
Car Depreciation Calculator (5-Year & 10-Year Residual Value)
Estimate vehicle depreciation over 1 to 10 years. Calculate residual trade-in value, private party price, cost per mile, and monthly depreciation loss for cars, SUVs, trucks, and EVs.
Hourly to Salary Calculator — 26 Bi-Weekly vs 24 Semi-Monthly Paychecks
Free contractor-grade hourly to salary converter. Converts hourly wages to exact annual, monthly, bi-weekly (26 paychecks), and weekly earnings with overtime, unpaid PTO, and tax withholding.
Sales Tax Calculator (Add Tax, Reverse Tax & 50 US State Rates)
Calculate exact checkout sales tax, back out pre-tax prices from receipts, and compare combined state and county surtaxes across all 50 US states with interactive visual breakdowns.
Simple Interest Calculator (I = Prt 4-Way Solver & Compound Comparison)
Solve for Interest, Principal, Rate, or Time using I = Prt. Features side-by-side compound interest comparison, SVG growth trajectory, and monthly schedule.
Overtime Calculator — FLSA Time-and-a-Half, Double Time & Blended Rates
Free contractor and employee overtime calculator. Computes exact FLSA 1.5× time-and-a-half, California daily 2.0× double-time, 7th consecutive day overtime, and blended multi-rate regular pay.
CAGR Calculator (Compound Annual Growth Rate, Real Return & Volatility Drag)
Calculate Compound Annual Growth Rate (CAGR) for investment portfolios, stocks, and revenue. Features inflation adjustment, volatility drag, Rule of 72 doubling timeline, and SVG compounding trajectories.
Net Worth Calculator (Liquid vs Illiquid Wealth & Age Benchmarks)
Calculate personal net worth, liquid wealth, and debt-to-asset solvency ratio. Benchmark your finances against US Federal Reserve Survey of Consumer Finances percentiles by age.
Compound Interest Calculator (With Monthly Contributions & Inflation)
Calculate compound interest growth with regular monthly contributions, custom compounding frequencies, and inflation-adjusted real returns. Includes pure SVG growth chart, Rule of 72, and 5 fatal compounding traps.