Personal finance
calculators that respect your time.
Paycheck, tax, mortgage, retirement, investment, and more — every cent calculated, with transparent methodology and zero fluff.
Every personal finance calculator you need
26 tools across 7 categories. Built one at a time, transparent formulas, no upsells.
💸 Income & Paycheck
Take-home pay, salary conversion, paycheck breakdown
🏡 Loans & Mortgage
Mortgage, loans, affordability, refinance
Mortgage Calculator
Calculate monthly mortgage payments, total interest, and amortization.
Loan Calculator
Personal, auto, and student loan payment calculator.
Mortgage Affordability Calculator
How much house can you afford based on your income and debts?
Mortgage Refinance Calculator
Should you refinance your mortgage? Break-even analysis.
📈 Savings & Investment
Compound growth, savings goals, ROI
Compound Interest Calculator
See how compound interest grows your savings over time.
Savings Calculator
How much to save monthly to reach your savings goal.
Investment Calculator
Project the future value of an investment portfolio.
ROI Calculator
Return on Investment calculator with annualized returns.
APY Calculator
Calculate Annual Percentage Yield from APR and compounding frequency.
🌅 Retirement Planning
401k, IRA, FIRE, Social Security
Retirement Calculator
Will you have enough? Project your retirement nest egg.
401(k) Calculator
Maximize employer match and project your 401(k) growth.
Roth IRA Calculator
Project tax-free growth in a Roth IRA.
FIRE Calculator
Financial Independence / Retire Early — when can you retire?
Social Security Calculator
Estimate your Social Security benefits at various claim ages.
🧾 Tax
Income tax, capital gains, self-employment
Income Tax Calculator
Estimate your federal and state income tax liability for the year.
Tax Refund Estimator
Estimate whether you will get a refund or owe the IRS.
Capital Gains Tax Calculator
Estimate tax on short-term vs long-term capital gains.
Self-Employment Tax Calculator
Calculate self-employment tax for 1099 / freelance income.
Sales Tax Calculator
Calculate sales tax for any US state and locality.
💳 Credit & Debt Management
Payoff strategies, DTI, utilization
Credit Card Payoff Calculator
How long to pay off your credit card? Snowball vs avalanche.
Debt-to-Income Ratio Calculator
Calculate your DTI ratio — critical for mortgage qualification.
Credit Utilization Calculator
Optimize your credit utilization ratio for credit score.
🛡️ Insurance
Coverage needs, life and disability
Accurate, transparent formulas
IRS 2024 tax tables, published state tax rates, peer-reviewed compound interest math. Every calculation shows its work in the methodology page.
Runs entirely in your browser
No data is sent to a server. Your salary, debts, and savings stay on your device. Faster, private, and works offline once loaded.
Honest about limitations
We're not CPAs. Our calculators estimate — they don't replace professional tax or financial advice. Clear disclaimers on every page.