Free financial calculators

50/30/20 Budget Calculator

Split take-home pay into needs, wants, and savings with baseline 50/30/20 or custom ratio budgeting in one clear view.

Debt Payoff Calculator

Compare avalanche and snowball payoff plans and inspect month-by-month remaining balances.

Emergency Fund Calculator

Set a 3, 6, 9, or 12-month emergency-fund target, track progress, and estimate time-to-goal from your monthly savings rate.

FIRE Calculator

Estimate your financial independence target, years to FIRE, and progress using savings and spending assumptions.

Loan Comparison Calculator

Compare loan offers side-by-side with independent amount, rate, term, and fee assumptions to find the lower total-cost option.

Net Worth Calculator

Calculate net worth with grouped assets and liabilities, concentration insights, and debt-risk ratios in one clear balance-sheet view.

Paycheck Calculator

Estimate take-home pay per paycheck with federal, state, FICA, and 401(k) deductions by pay frequency.

Retirement Calculator

Project retirement savings, estimate sustainable monthly income at a 4% withdrawal rule, and quantify any gap to your target.

Savings Goal Calculator

Plan time-to-goal and required monthly contributions with milestone checkpoints and contribution-versus-growth decomposition.

Subscription Cost Calculator

Normalize weekly, monthly, quarterly, and annual subscriptions into one monthly-equivalent view, then rank your highest recurring costs.

Compound Interest Calculator

Project long-term portfolio growth using principal, recurring contributions, and configurable compounding frequency.

Dollar Cost Averaging Calculator

Compare dollar-cost averaging and lump-sum investing with preset bull/bear/sideways/volatile paths or your own historical monthly prices.

Investment Return Calculator

Calculate total return, CAGR, and dollar gain from initial investment, final value, holding period, and dividends received.

Portfolio Allocation Calculator

Get a recommended split across US stocks, international stocks, bonds, and cash based on your time horizon and risk tolerance.

Capital Gains Tax Calculator

Estimate federal tax on investment sales using real 2025 long-term capital gains brackets (0/15/20%) and the 3.8% Net Investment Income Tax.

Home Office Deduction Calculator

Compare IRS simplified and regular home office deduction methods to find the larger deduction for your workspace.

Tax Bracket Calculator

Estimate federal income tax with filing status, deduction strategy, and bracket-by-bracket breakdown showing marginal versus effective rate.

Mortgage Calculator

Calculate monthly PITI payment, review an amortization schedule, and compare rate, down-payment, and term sensitivity.

Rental Property ROI Calculator

Estimate monthly cash flow, annual NOI, cap rate, and cash-on-cash return with vacancy and maintenance reserve assumptions.

Crypto Tax Calculator

Estimate crypto capital gains tax with holding-period logic, bracket assumptions, and worked examples.

Impermanent Loss Calculator

Compare hold-versus-LP outcomes and estimate impermanent loss from asymmetric token price moves in a 50/50 constant-product (Uniswap V2-style) AMM. Not valid for Uniswap V3 concentrated-liquidity positions.

Break-Even Calculator

See how many sales your small business needs each month to stop losing money and start covering its bills.

Profit Margin Calculator

Calculate gross, operating, and net profit margins from revenue and expense buckets with health threshold context.

Exchange Rate Calculator

Convert between 30 world currencies using live exchange rates from the European Central Bank. Free, fast, and accurate.

Inflation Calculator

Estimate purchasing-power erosion over time and compare nominal amounts against inflation-adjusted value.

Password Strength Calculator

Test password strength locally with entropy, effective-length penalties, and crack-time estimates across online and offline attack models.

Tip Calculator

Calculate tip amount, total bill, and per-person split with preset or custom tip percentages.