Free Financial Calculators — 62 Tools Across 4 Pillars

Loan Calculator

Compare loan offers side by side and see which rate and term saves the most money

Car Loan Calculator

True monthly payment with trade-in, taxes, and down payment factored in — not just the dealer quote

Student Loan Calculator

See your total interest paid, exact payoff date, and how much extra payments shave off

Debt Payoff Calculator

Calculate how long to pay off any debt

Debt Snowball Calculator

Plan your debt-free journey using the snowball method

Credit Card Payoff Calculator

See your exact payoff date and total interest — and how much each extra dollar saves

Emergency Fund Calculator

Calculate your emergency fund target and time to reach it

Income Tax Calculator

See your exact tax bracket, effective rate, and dollar amount owed — updated for 2026 brackets

Paycheck Calculator

See your net pay after federal tax, state tax, Social Security, Medicare, and 401k — every deduction itemised

Tax Bracket Calculator

See exactly which tax bracket your income falls in

W-4 Calculator

Find the right W-4 withholding for your situation

Effective Tax Rate Calculator

Calculate your true average tax rate on all income

US Gas Price Tracker

Live national average gasoline and diesel prices

Liquidity Runway Calculator

See exactly how many months your cash reserves can cover your expenses

Cash Buffer Modeler

Model the ideal cash buffer for your income volatility and risk tolerance

Debt Pressure Index

Score how much your monthly debt obligations are straining your cash flow

Subscription Leak Finder

Find recurring subscriptions quietly draining your monthly budget

Monthly Expense Audit Tool

Audit your monthly spending by category to find where cash is leaking

401k Calculator

See your projected balance at retirement with and without employer match, using 2026 contribution limits

Roth IRA Calculator

See how much tax-free wealth your Roth IRA will build

FIRE Calculator

Calculate your FIRE number and years to financial independence

Net Worth Calculator

Calculate your true net worth with assets and liabilities

Dollar Cost Averaging Calculator

See the power of regular investing with DCA

Dividend Calculator

Calculate annual dividend income and DRIP growth

Inflation Calculator

See how inflation erodes purchasing power over time

4% Rule Calculator

Find out how much you can safely withdraw in retirement

Stock Return Calculator

Calculate total return including dividends on any stock trade

Capital Gains Tax Calculator

Calculate long-term and short-term capital gains tax

Compound Interest Calculator

See exactly when your investment crosses $100K, $500K, or $1M — with the formula shown step by step

DRIP Velocity Modeler

Model how dividend reinvestment accelerates your portfolio growth over time

Future Value Predictor

Project the future value of a lump sum or recurring investment

Portfolio Rebalancing Helper

Calculate the trades needed to bring your portfolio back to target allocation

Crypto Cost-Basis Tracking Tool

Track cost basis across crypto purchases for accurate gain/loss reporting

Asset Growth Projection Modeler

Project combined growth across multiple asset classes and accounts

FIRE Milestone Matrix

Track your progress across every major FIRE milestone, not just the finish line

Required Minimum Distribution (RMD) Estimator

Estimate your required minimum distributions from retirement accounts

ETF Portfolio Builder

Enter your years to retirement, risk tolerance, and monthly investment. Get a recommended 3-fund ETF allocation with specific fund names, expense ratios, and a projected portfolio value.

IRMAA Calculator

Enter your retirement income sources and instantly see your IRMAA tier, monthly Medicare premium, and how much Roth conversion headroom you have before the next cliff

Mortgage Calculator

See your exact monthly payment, total interest over the loan life, and true loan cost — before you make an offer

APR Calculator

Calculate the true APR including fees for any loan

Amortization Schedule

See the full payment breakdown for your loan year by year

Home Affordability Calculator

Based on your income, debts, and down payment — the exact home price and cash you need to close

Vehicle Depreciation & Total Cost Calculator

Calculate true total cost of ownership including depreciation over time

Auto Lease vs Loan Comparison

Compare the true total cost of leasing versus financing a vehicle

Refinance Break-Even Clock

Find the exact month a mortgage refinance pays for itself

Mortgage Payoff Accelerator

See how extra principal payments shorten your mortgage and cut interest

HELOC Opportunity Cost Modeler

Model the true opportunity cost of tapping home equity versus other financing

1099 Tax Calculator

Calculate self-employment and freelance taxes

Quarterly Tax Estimator

Calculate your IRS quarterly estimated tax payments

Salary to Hourly Calculator

Convert annual salary to hourly rate and back

Hourly to Annual Salary Calculator

Convert hourly wage to annual, monthly, and weekly salary

Equity vs Cash Compensation Modeler

Compare the long-term value of equity offers against higher cash compensation

Hourly Rate Calculator

Calculate your ideal freelance hourly rate based on income goals and overhead

Contract Pricing Modeler

Price fixed-bid contract work based on your effective hourly rate target

Monthly Expense & Burn Rate Calculator

Track your business monthly burn rate and runway at current spend

Profit Margin & Markup Calculator

Calculate profit margin and markup percentage for pricing decisions

Break-Even Analysis Engine

Find the exact sales volume needed to cover your fixed and variable costs

Salary to Lifestyle Calculator

See your take-home pay, monthly budget buckets, and how your salary compares across 28 US cities

Invoice Generator

Create and print professional PDF invoices in seconds

Receipt Generator

Create and print professional payment receipts for any transaction

Business Quote Generator

Create professional price quotes and proposals — print or save as PDF

Purchase Order Generator

Create purchase orders with item codes, units, delivery dates, and supplier details