Legacy · 101 tools · Private by default
Personal Finance Calculators
Free calculators for FIRE planning, expat finance, career transitions, freelancer taxes, and every major money decision. These tools remain accessible as a separate product surface from the AI-in-markets hub.
No signup. No tracking. Runs in your browser. Planning estimates only — not financial, tax, or investment advice.
Start with your goal
Pay Off Debt Faster
Find the highest-impact payoff order and timeline with clear monthly actions.
Grow Your Money
Project long-term outcomes and compare strategies before committing capital.
Plan Your Taxes
Estimate tax impact and set practical reserves so quarterly payments do not surprise you.
Housing Decision Check
Pressure-test buy, rent, and move scenarios with break-even clarity.
Stabilize Monthly Cashflow
Build predictable monthly operating cash and protect against short-term shocks.
Retire With Confidence
Model retirement and FIRE outcomes with realistic contribution and inflation assumptions.
Plan Your FIRE Escape
Calculate your FIRE number, compare lean vs fat targets, plan withdrawals, and model early retirement abroad.
Freelancer Financial Bootstrap
Set up your finances for self-employment: retirement, quarterly taxes, cash flow gaps, and variable income budgeting.
Relocate Abroad
Compare tax burdens, cost of living, and FIRE targets across countries before making the move.
Navigate a Life Change
Financial planning tools for major life transitions: new baby, career break, job change, divorce, or layoff.
Savings & Investing · 13
Compound Interest Calculator
Project compounding growth with inflation-adjusted values and milestone timing.
Net Worth Calculator & Tracker
Calculate net worth, debt ratio, and snapshot trends in one view.
Savings Goal Calculator
Calculate monthly savings needed to reach a target by your chosen date.
Investment Fee Impact Calculator
Compare fee-ratio scenarios and quantify long-term compounding drag.
APR to APY Converter
Convert between APR and APY for any compounding frequency.
CAGR Calculator
Calculate compound annual growth rate from start/end values with doubling time and growth chart.
Cap Rate Calculator
Calculate cap rate, NOI, GRM, and cash-on-cash return for rental investment properties.
CD Ladder Calculator
Plan staggered CD maturities to balance yield and liquidity.
Savings Rate Calculator
Calculate your personal savings rate and map it to your FIRE timeline.
Dividend Reinvestment Calculator (DRIP)
See how reinvesting dividends and monthly contributions compound portfolio growth over time.
Bond Yield Calculator
Calculate YTM, current yield, YTC, Macaulay & modified duration, and DV01 for any fixed-income bond.
College Savings Calculator
Project future college costs with education inflation and calculate monthly savings needed.
I Bond vs HYSA Calculator
Compare inflation-adjusted I Bond returns against high-yield savings accounts.
Debt & Credit · 15
Loan Payoff Calculator
Compare baseline and accelerated payoff plans with interest-savings visibility.
Debt Payoff Strategy Planner
Compare snowball, avalanche, and hybrid debt plans with timeline impact.
Debt-to-Income Ratio Calculator
Calculate front-end and back-end DTI plus borrowing capacity.
Debt Consolidation Calculator
Compare a consolidation loan against your current debt stack by payment, payoff speed, and total cost.
Student Loan Repayment Planner
Model baseline and accelerated repayment paths with autopay discounts and extra payments.
HYSA vs Debt Paydown Optimizer
Decide whether to keep cash in savings or pay down debt by comparing after-tax yield vs APR drag.
Balance Transfer Break-Even Calculator
Check if a balance transfer saves money after fees and promo timing.
BNPL Stacking & True Cost Calculator
See when stacked BNPL plans get risky and what they really cost if payments slip.
Medical Bill Payment Path Calculator
Compare discounts, provider plans, and financing so you can pick the cheapest path with the least pain.
Car Loan Refinance Break-Even Calculator
Check if refinancing saves money after fees, penalties, and term changes.
Credit Card Payoff Calculator
Calculate credit card payoff timeline, total interest, and compare minimum vs. fixed payment strategies.
Credit Utilization Calculator
Calculate credit card utilization ratio and see how it affects your credit score.
Auto Loan Calculator
Calculate monthly car payments, total interest, and cost of ownership.
Student Loan Forgiveness Tracker
Track PSLF or IDR forgiveness progress and model the forgiveness tax bomb.
BNPL Stacking Tracker Pro
Track multiple BNPL plans with payment calendar and cash flow stress test.
Housing · 9
Mortgage Affordability Calculator
Estimate comfortable and maximum home-price ranges from income and debt.
Mortgage Payment & Amortization Calculator
Estimate monthly housing cost and full-term interest from principal, tax, insurance, and HOA assumptions.
Rent vs Buy Break-Even Calculator
See when buying pulls ahead of renting after equity, monthly cost, and invested cash are all counted.
Rent Increase vs Move Break-Even Planner
See when staying costs more than moving with clear horizon totals.
HELOC Payment Calculator
Calculate available credit line, interest-only draw payments, and amortizing repayment payments for a home equity line of credit.
Home Equity Payoff Accelerator
See how extra mortgage payments and lump sums reduce total interest and shorten your payoff timeline.
Rental Property House Hack Calculator
Calculate net housing cost when you live in one unit and rent others.
Home Renovation ROI Calculator
Estimate return on investment for common home renovation projects.
Downsizing Calculator
Calculate equity freed, monthly savings, and projected portfolio growth from downsizing your home.
Tax · 7
Side Hustle Tax Calculator
Estimate side-income tax impact and set monthly and quarterly reserves.
Gig Worker Quarterly Tax Set-Aside Planner
Set practical monthly and quarterly tax reserves for variable income.
Tax Bracket Calculator
Find your 2025 federal marginal bracket, effective rate, and per-bracket tax breakdown.
Paycheck Take-Home Calculator
Estimate net take-home pay after federal and state income tax, FICA, and pre-tax deductions.
HSA Triple Tax Advantage Calculator
Model tax-deductible contributions, tax-free growth, and tax-free withdrawals.
Equity Compensation Calculator
Compare ISOs vs NSOs, model AMT triggers, and evaluate 83(b) elections.
Tax-Loss Harvesting Calculator
Estimate tax savings from harvesting investment losses against capital gains.
Insurance · 1
Budgeting · 13
Inflation Impact Calculator
Measure purchasing-power erosion and salary-growth gaps over time.
Real Raise Calculator
See whether your raise beats inflation and how your real purchasing power changes over time.
Emergency Fund Calculator
Set personalized emergency-fund targets and timeline to reach safety levels.
Emergency Fund Runway + Rebuild Planner
Estimate emergency runway under stress and how long rebuild will take.
Variable-Income Buffer & Paycheck Smoothing Planner
Turn irregular income into a steady monthly paycheck with buffer planning.
Electricity Plan Switch Calculator
Compare electricity plans with your real usage, fees, and break-even point.
Childcare vs Take-Home Pay Calculator
Measure take-home impact after childcare, taxes, and commute costs.
Subscription Audit & True Cost Calculator
Rank subscriptions by cost-per-use and invested-instead opportunity cost.
Subscription Price-Hike Risk Calculator
See which subscriptions to cut first after a price hike and how much you save.
Tip Calculator & Bill Splitter
Calculate tip amounts and split bills evenly or by custom shares.
50/30/20 Budget Calculator
Apply the 50/30/20 budgeting rule and compare with your actual spending to optimize your budget.
Lifestyle Creep Calculator
Track spending growth vs income across raises to reveal savings rate erosion and FI timeline impact.
Subscription Audit Pro
Audit subscriptions with category benchmarks and annual savings projections.
Retirement · 9
FIRE Calculator
See how long financial independence could take and how sensitive the plan is to savings and returns.
Retirement Savings Calculator
Model retirement targets, coast checkpoints, and contribution gaps.
Roth vs Traditional IRA Calculator
Compare after-tax retirement outcomes with configurable current and future tax assumptions.
401(k) Employer Match Optimizer
Find how much employer match you capture and how much long-term value is left unclaimed.
Social Security Break-Even Age Calculator
Calculate when delaying Social Security pays off vs claiming early with cumulative lifetime benefit comparison.
Backdoor Roth IRA Calculator
Model backdoor conversions with pro-rata rule check and conversion ladder.
Pension vs Lump Sum Calculator
Compare pension annuity vs lump sum with present value and life expectancy.
Social Security Claiming Strategy Calculator
Compare claiming at 62, 67, and 70 with breakeven ages and spousal benefits.
Inherited IRA RMD Calculator
Calculate required distributions under the 10-year rule with tax planning.
FIRE & Independence · 9
FIRE Calculator for Expats
Calculate FIRE number adjusted for destination country CoL, healthcare, and tax treaties.
Coast FIRE Part-Time Calculator
Find minimum part-time income when your portfolio is on track to grow untouched.
Barista FIRE Job Calculator
Calculate minimum low-stress job income when portfolio covers most spending.
Lean FIRE vs Fat FIRE Calculator
Compare lean and fat FIRE targets, timelines, and withdrawal safety side by side.
FIRE Withdrawal Strategy Calculator
Compare 4% rule vs variable withdrawals with guardrails and sequence risk.
Coast FIRE Number by Age Calculator
Find the exact amount you need invested today so you never have to save another dollar.
FIRE Spending Rate Stress Tester
Test portfolio survival at different spending rates with projected balances at 10, 20, and 30 years.
FIRE Healthcare Bridge Calculator
Calculate total healthcare gap cost between early retirement and Medicare eligibility.
Part-Time FIRE Income Planner
See how part-time income extends your portfolio and reduces withdrawal pressure.
Freelancer & Gig · 5
Freelancer Retirement Planner
Plan retirement with irregular income, no employer match, and self-employment tax.
Side Hustle Break-Even Calculator
Find when your side project pays for time and money invested vs a raise.
Freelancer Invoice Payment Gap Calculator
Model cash flow gaps from net 30/60/90 payment delays and buffer needed.
Gig Worker Quarterly Tax Pro
Calculate quarterly tax across platforms with penalty estimator and safe harbor.
Variable Income Budget Planner
Budget with irregular income using rolling averages and worst-month buffers.
Expat & Global · 6
Digital Nomad Tax Estimator
Compare tax burden across countries with FEIE, treaties, and totalization.
Geographic Arbitrage Calculator
See how a remote salary stretches further in a lower cost-of-living city.
Expat Tax Treaty Calculator
Compare estimated tax burden between countries with treaty provisions and combined rates.
Digital Nomad Monthly Budget by City
Estimate monthly costs across 20 popular nomad cities at three lifestyle levels.
FEIE vs Foreign Tax Credit Optimizer
Compare FEIE and FTC to find which method saves more on US expat taxes.
Country FIRE Comparison Tool
Compare FIRE numbers, healthcare, visa, and tax friendliness across 20 retirement destinations.
Life Transitions · 14
Divorce Financial Split Calculator
Model asset division scenarios including property, retirement, and pension splitting.
Parental Leave Financial Planner
Plan for the income gap during parental leave with benefits and childcare costs.
Career Break Runway Calculator
Calculate savings needed for a sabbatical with healthcare and re-entry costs.
Eldercare Cost Planner
Compare in-home, assisted living, and nursing home costs with family splits.
First-Gen Wealth Builder
Milestone tracker for building wealth from zero with no inheritance.
Military to Civilian Pay Calculator
Convert military pay including BAH, BAS, and tax-free allowances to civilian equivalent.
Couples Money Merge Calculator
Compare joint, separate, and hybrid accounts with fair income-ratio splits.
Nanny vs Daycare Total Cost Calculator
Compare all-in childcare costs including payroll taxes and flexibility value.
Job Offer Comparison Calculator
Compare total compensation across job offers including equity, benefits, and tax.
Relocation Financial Impact Calculator
Estimate net financial impact of moving with CoL, tax, and housing deltas.
Layoff Runway Calculator
Calculate months of financial runway after a layoff with severance and benefits.
Sabbatical Financial Planner
Plan the full cost of a career break including expenses, income offset, and job search buffer.
Return to Work After Kids Calculator
Calculate real take-home pay after childcare, commute, and work costs.
Inheritance Planning Calculator
Model after-tax, after-debt inheritance value and project long-term investment growth.
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