50 Free Calculators · Built for US Rules · No Sign-Up

America's Sharpest
Financial Calculators

401k, Roth IRA, mortgage, Social Security, capital gains — every calculator built from the ground up for US tax rules and financial products.

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2026Tax Rules
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Retirement Planning
12
401(k) Calculator HOT
401(k) balance at retirement with employer match and 2026 contribution limits ($23,500).
Roth IRA Calculator HOT
Tax-free Roth IRA growth. 2026 contribution limit $7,000 ($8,000 if 50+).
Traditional IRA Calculator
Pre-tax IRA contributions and deductibility based on income and filing status.
Roth vs Traditional IRA
Compare Roth vs Traditional IRA. Which saves you more after taxes over 30 years?
401(k) Early Withdrawal
Cost of withdrawing 401(k) early — 10% penalty + income tax calculation.
Roth IRA Conversion
Should you convert traditional to Roth? Tax cost vs long-term benefit.
Social Security Calculator HOT
Estimate monthly Social Security benefit based on earnings history and claiming age.
Retirement Savings Calculator
How much you need to retire. 4% rule applied to your target monthly income.
Coast FIRE Calculator
How much to invest now so you can stop and still retire comfortably.
HSA Calculator NEW
HSA triple tax benefit — contributions, growth and withdrawals all tax-free.
RMD Calculator
Required Minimum Distribution from IRA or 401(k) starting at age 73.
Pension Calculator
Monthly pension income from defined benefit plan at any retirement age.
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Mortgage & Property
10
Mortgage Calculator HOT
Monthly payment with principal, interest, taxes and insurance (PITI). Full amortization.
How Much House Can I Afford? HOT
"How much house can I afford?" — based on income, debts, down payment and DTI ratio.
Refinance Calculator
Should you refinance? Break-even point and total interest savings over loan term.
Down Payment Calculator
Down payment needed to avoid PMI. Savings timeline for any target amount.
Home Equity Calculator
Available home equity for HELOC or cash-out refinance based on LTV.
Rental Property ROI NEW
Cash flow, cap rate, and total ROI on any US rental property investment.
Mortgage Points Calculator
Should you buy down your rate? Break-even months and lifetime savings.
15 vs 30-Year Mortgage
Total interest, monthly payment and break-even comparison of 15 and 30-year loans.
Property Tax Calculator
Estimate annual property tax based on home value and local mill rate.
Rent vs Buy — USA
Full financial comparison accounting for opportunity cost, appreciation and taxes.
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Tax & Income
12
Income Tax Calculator HOT
Federal income tax for 2026. All filing statuses, standard deduction, tax brackets.
Self-Employment Tax HOT
15.3% SE tax on net self-employment income. Quarterly estimated payment schedule.
Capital Gains Tax HOT
Long-term (0%, 15%, 20%) and short-term capital gains tax for 2026.
Salary Calculator — USA
Take-home pay after federal tax, state tax, Social Security and Medicare.
Salary Calculator — California
CA take-home: federal + CA state income tax + SDI. All 2026 rates.
Salary Calculator — Texas
TX has no state income tax. Take-home = gross minus federal FICA only.
Salary Calculator — New York
NY + NYC combined tax. Federal + state + NYC local income tax take-home.
Quarterly Estimated Tax
Q1–Q4 estimated tax payment schedule. Avoid underpayment penalty.
Marginal Tax Rate
Your marginal vs effective federal tax rate for any income level in 2026.
Standard vs Itemized Deductions
Should you take standard deduction or itemize? 2026 standard: $15,000 single.
Bonus Tax Calculator
Federal tax on bonus income. 22% supplemental rate vs aggregate method.
Student Loan Calculator
Monthly payment and payoff date for federal and private student loans.
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Debt & Credit
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Credit Card Payoff HOT
How fast to pay off credit card debt. Minimum payment vs fixed payment comparison.
Debt-to-Income Ratio (DTI)
DTI ratio for mortgage approval. Front-end and back-end DTI calculation.
Auto Loan Calculator
Monthly car payment with down payment, trade-in, taxes and fees.
Personal Loan Calculator
Monthly payment and total cost for any personal loan at any APR.
Debt Snowball Calculator
Pay off smallest balance first. Exact debt-free date and interest saved.
Debt Avalanche Calculator
Pay off highest-interest debt first. Mathematically optimal debt payoff strategy.
HELOC Calculator
Home equity line of credit draw and repayment phase monthly payments.
Compound Interest Calculator
Investment or savings growth with compound interest at any frequency.
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Investment & Savings
8
Savings Calculator
High-yield savings growth. See how HYSA rates of 4–5% compound over time.
Investment Return Calculator
Annual investment growth at S&P 500 historical average returns with DCA.
Net Worth Calculator
Total assets minus liabilities. Track progress toward financial independence.
Emergency Fund Calculator
How much emergency fund for your situation. 3–6 months expenses guide.
Savings Rate Calculator
Your savings rate determines your years to financial independence.
Dollar Cost Averaging (DCA)
DCA returns vs lump sum. See how regular investing beats market timing.
CD Calculator
Certificate of Deposit maturity value at any APY and term length.
Backdoor Roth IRA
Backdoor Roth conversion for high earners above income limits. Pro-rata rule.