Plan your money with clear numbers. Every calculator runs instantly in your browser, with plain-English explanations of the math behind each result. No sign-up, no data collection.
54 calculators · every default checked against official 2026 IRS and SSA figures · formulas documented on every page
Not sure which tool fits your situation? Most visitors arrive with one of four questions. Pick yours and start with the calculator built for it.
Rank debts, kill the costliest balance first, and see the payoff date move closer.
Debt Payoff · Credit Card Minimum · Loan Payment · Refinance Break-EvenSet a target, pick an account, and watch compounding do the boring work.
Savings Goal · Compound Interest · CD Interest · Emergency FundFind your number, stress-test withdrawals, and time Social Security on purpose.
FIRE Number · Withdrawal Rate · SS Break-Even · RMDFix withholding before December 31 instead of discovering the gap in April.
W-4 Withholding · Tax Refund · Take-Home Pay · Self-Employment Tax · Capital Gains TaxSee how your money grows with compound interest, including monthly contributions and different compounding frequencies.
🏦Estimate monthly payments, total interest, and total cost for any fixed-rate loan, mortgage, or auto loan.
🎯Find out exactly how long it will take to reach your savings target, or how much to save each month to hit a deadline.
📉Understand what inflation really does to your purchasing power over time, in both directions.
🔥Calculate your financial independence number and how many years stand between you and early retirement.
🏠Find out how extra principal payments shorten your mortgage term and the total interest you avoid.
💳Compare the avalanche and snowball methods to see which debt strategy saves the most time and interest.
📊Instantly split your after-tax income into needs, wants, and savings using the popular balanced budget rule.
💼Add up every asset and liability you track to see your real wealth, debt ratio, and equity breakdown at a glance.
🏖️Test the 4% rule against your own savings, returns, and inflation, with a full year-by-year withdrawal schedule.
📖A deep dive into drawing down a portfolio: the 4% rule, guardrails, withdrawal order, Roth ladders, and the 2026 RMD rules.
💰See how long minimum payments really take, how much interest they carry, and how much a small extra payment saves.
🕒Convert an hourly wage into weekly, biweekly, monthly, and annual pay, with overtime and unpaid time off built in.
💵Estimate what actually lands in your bank account each paycheck after federal tax, FICA, state tax, and pre-tax deductions.
🎁Work out the real value of a bonus after the 22% supplemental withholding rate, FICA, and state tax, with or without a 401(k) deferral.
🎄Add up gifts, travel, food, and decorations, then see the weekly set-aside that funds the season before December arrives.
🧾Find the federal tax each paycheck should withhold from your wages, filing status, and dependents, then close the gap before April.
🤝See what a donation really costs after the new 0.5% AGI floor for itemizers, the $1,000 or $2,000 deduction for non-itemizers, and the 2026 brackets.
🔒See the maturity value and total interest on any certificate of deposit, month by month, and what the same deposit would earn in savings.
🔑Compare the net cost of renting and owning over the years you actually stay, and find the year the two paths cross.
⚖️Convert between APR and APY for any compounding frequency, and see what a balance really earns once compounding is counted.
🏦Compare the 2026 contribution caps of a SIMPLE IRA plan and a 401(k), and see what the ceiling gap grows to by retirement.
📅See the full payment schedule of any fixed-rate loan, from the interest-heavy first payment to the year principal takes over.
🚗Price the real cost of a car loan, with sales tax, fees, trade-in, and the amount financed built in before the payment math starts.
🔁Find the month your refinance pays for itself, and see why a lower payment on a reset term can still cost you money.
📊Measure the total return on any investment, with annualized ROI, simple shortcuts, and an honest look at what each year really earned.
⏱️Turn any paycheck or pay stub into a true hourly rate, with unpaid time off and the freelance rate markup included.
🏛️Compare both IRA paths after tax, with 2026 contribution limits, MAGI phase-outs, and the break-even retirement rate that decides the winner.
🤝See what your employer match is worth, project the combined balance, and price the cost of contributing below the match threshold.
🚨Size your six-month emergency fund from essential expenses, measure your current coverage, and see the exact month your buffer is full.
🛟How many months you really need, where the money earns the best 2026 yields, what counts as an emergency, and how to layer checking, savings, and I bonds.
🏛️Estimate your monthly benefit with the official 2026 formula, compare every claiming age from 62 to 70, and find your break-even age.
💍Stack up to 50% of your spouse's benefit on top of your own record, and see what claiming early really costs each month.
🕊️Estimate the widow's check: 100% of the worker's benefit at your FRA, 71.5% at 60, and how their claiming age caps yours.
🩺Find your 2026 Part B and Part D surcharge from your 2024 MAGI, with official CMS brackets and your room before the next cliff.
🏦Check your 2026 limit ($4,400 self, $8,750 family), price this year's income and FICA tax savings, and see the growth gap versus a taxable account.
⚖️Open enrollment fork: identical 29.65% pre-tax break, but unspent FSA money vanishes and HSA surplus compounds. See the 10-year gap in dollars.
🏥Plan G vs N vs High-Deductible G by total annual cost: premiums plus the copays, deductibles, and coinsurance each plan leaves to you, with breakeven points in plain numbers.
🔁Price a Roth conversion with 2026 brackets: the real tax bill, your blended marginal rate, the exact break-even future rate, and the Medicare IRMAA cliff it may trigger.
🚪Price cashing out early: the gross amount a $25,000 need really takes, tax plus penalty plus lost compounding, and how the 401(k) loan route compares, default trap included.
🏦Price the monthly payout a lump sum produces at a fixed rate over your chosen term, see the interest-only floor and how much of each check is your own money, and compare it with insurer lifetime quotes.
🎓Project your 529 balance against the inflated four-year cost of college, see the coverage share your plan reaches, and find the monthly deposit that closes the gap, with 2026 rule changes built in.
📌Price discount points against your break-even month, see the net benefit at your holding horizon, and compare the same cash spent as a bigger down payment before you commit.
🏠Run year-one cash flow, cap rate, and cash-on-cash return on a rental, solve for the rent the deal actually needs, and see what the 1% rule buys at today's mortgage rates.
🏛️Estimate federal and state estate tax under the 2026 $15 million exemption, with marital and charitable deductions, portability, and the net your heirs actually receive.
🎀Value a Series EE or I savings bond at any holding period, with the three-month early-redemption penalty, the federal tax deferral advantage over a taxable account, and the EE 20-year doubling guarantee.
📅Compute the required minimum distribution from the IRS Uniform Lifetime Table, with the tax at your bracket, the 25% missed-RMD penalty preview, and a ten-year withdrawal projection.
🎯Size the monthly deposit for any named future expense after inflation, see the interest a high-yield account earns, and compare against putting the bill on a credit card.
⚖️Test a lump sum buyout against the monthly check: how long the cash lasts drawing the same income, what it supports to your target age, and the discount rate the offer implies.
⏱️Compare any two claiming ages: the monthly check each pays in today's dollars, the exact age where waiting catches up, and how an investment return on early checks stretches that age.
📊See the rate you actually pay: federal effective rate against your marginal bracket, FICA, and state tax combined into one honest percentage of gross pay.
🏠Price a rental the way investors do: gross yield versus net yield after real operating costs, the price-to-rent ratio, and an honest 1% rule reality check.
💸Estimate your 2026 federal refund or balance due from withholding, filing status, and the Child Tax Credit, then see the per-paycheck W-4 fix if the number surprises you.
🧾Compute 2026 SE tax on freelance profit: both FICA halves, the Social Security cap shared with W-2 wages, the extra 0.9% Medicare at high income, and the half-deduction.
📊Price a stock or fund sale the way Schedule D does: 0/15/20% long-term bands stacked on your income, short-term ordinary rates, loss netting, and the 3.8% NIIT.
🩺Grow 2025 median care prices to the year you need them, total a multi-year stay, and see month by month how long your nest egg pays for it, plus the shortfall that remains.
🪜Convert the IRA year by year in the low-income gap before RMDs, cap each year at a bracket top, and see the lifetime tax saved versus leaving the account untouched.
💡Learn who we are, how our calculators work, and our editorial standards for accuracy and transparency.
Every number this site produces starts from a published source: 2026 federal tax parameters come from IRS Revenue Procedure 2025-32, Social Security thresholds from the SSA's official fact sheets, and program rules from the administering agency's own documentation. Before a calculator goes live, its default values are recomputed in a separate reference implementation, then cross-checked by running the page's own JavaScript and comparing results to the penny. Where a page cites a statistic, the source institution is named.
Calculators are revised when the underlying rules change, not when traffic charts suggest it, and each page carries a Last updated date so you can judge freshness yourself. The methodology page documents the formulas in full, including the assumptions we consider defensible and the simplifications we refuse to make. The about page explains who maintains this site and why. Nothing here sits behind a paywall or an account, and every calculation runs locally in your browser: the numbers you enter never leave your device.