Personal Finance Calculators

Annuity Income Estimator Calculator

Estimates the annual and monthly income a lump sum buys over a fixed term at an assumed interest rate, with payments at the start or the end of each year and an optional annual escalation. It reports the income, the total paid over the term, and the years of payments needed to return the premium. It prices a term certain, so it carries no mortality pooling and no insurer expense loading, and a real quote will be lower.

Asset Allocation Rebalancing Calculator

Works out what to trade to bring a portfolio back to its target weights, and answers two further questions: whether the drift is far enough past your tolerance band to be worth trading on at all, and how much of the job a contribution directed at the underweight holdings can do without selling anything. Use it before placing trades, to see what a sale would cost you and whether new money can spare you one.

Auto Loan Payment Calculator

Works out the monthly payment on a car loan built from the whole deal: the sales tax charged under your state's own rules for a trade-in and a rebate, dealer and government fees, a trade-in with any debt still owed on it, and a manufacturer's rebate set against a promotional rate. Use it to see what the loan really costs, how many months you would owe more than the car is worth, and what the 2025 car-loan interest deduction is worth at your own tax rate and income.

Balance Transfer Break Even Calculator

Prices a credit card balance transfer against staying where you are: the interest each card charges over the whole payoff, the fee the new card takes, what the move is worth once that fee is counted, the first month it has cost you less than staying, and the balance still owed on the day the promotional rate ends. It also tabulates the saving across eleven monthly payments and eleven promotional lengths, so the part of the answer you control is separated from the part the offer decides.

Budget 50 30 20 Calculator

Sorts a household's own monthly spending lines into needs, wants and savings and sets each against the 50/30/20 rule, on an income counted the way the rule's authors counted it: take-home pay plus what the pay slip already takes for insurance and retirement. It reports how far each bucket sits from its target in dollars, which band the needs share falls in against the 50 percent ceiling and the 35 percent safety zone, and the income at which today's needs would fit the ceiling. Use it to see which bucket is out of line and by how much, rather than only dividing one income three ways.

Buy Now vs Save and Pay Cash Calculator

Compares financing a purchase now with setting the same monthly budget aside and paying cash later, once the savings meet the price of that month, which rises or falls at the yearly rate you choose. Use it to see how long saving takes, what each path costs, and which one leaves you with more once both own the item.

Capital Gains Tax Calculator

Works out the federal tax on one sale by stacking the gain on top of your other taxable income and charging each rate layer it reaches at that layer's own rate, so a gain that straddles two layers is priced as two pieces rather than at one flat rate, with the net investment income surtax on the lesser of the gain and the income above its threshold. Use it to see what a sale actually costs, how much of the gain lands in each rate band, and what the same sale would cost on either side of the twelve-month holding period.

Car Lease vs Buy Calculator

Prices leasing a car and buying the same car over the years you would keep it: the lease by the Federal Reserve's formula, with your state's own lease-tax method, repeated for as many leases as the years cover; the purchase with a loan and a sale at a value tied to the lessor's own residual and moved for your mileage. It says which costs less over your years and by how much, and shows year by year, up to fifteen years, which choice would have cost less, with the first year buying costs no more than leasing. Use it to compare a lease offer with a loan on the same car rather than one monthly payment with another.

Charitable Giving Bunching Calculator

Prices giving the same amount to charity every year against giving several years of it at once, under the 2026 rules: the half-percent-of-income floor that is charged once a year instead of once and is lost outright rather than carried forward, the ceiling on a large cash gift, the cash deduction a non-itemizer keeps and forfeits by using a donor-advised fund, and the overall limitation on a high income. Use it to decide whether bunching is worth doing at your income and your level of giving, and to see the answer when it is not.

Education And Family

Childcare vs Second Income Calculator

Judges a second income on what it actually leaves after the taxes it alone attracts, the childcare it makes necessary and the costs of going to work, with the dependent care credit or a dependent care FSA priced from the 2026 schedule rather than at its headline rate, and then reports the weekly childcare cost and the salary at which the job stops paying. Use it when one earner is deciding whether a job is worth taking or keeping while children are in paid care.

Closing Costs Estimator

Itemises what you will be asked to pay at closing, separated into lender fees, third-party fees and prepaid items, and adds the down payment to give the cash you actually need. The split is the point: only lender fees move much when you change lender, and prepaid tax and insurance are money you owed anyway rather than a cost of borrowing.

Education And Family

College Savings 529 Planner Calculator

Prices every year of study at the price it will actually be paid at rather than multiplying one inflated year, projects a 529 account forward to the day study begins, and reports the gap three ways: the share of the cost the account covers, the amount still to find, and the level monthly contribution that would close it exactly. It also prices what the account's tax treatment is worth as a number: the growth that is never taxed plus the state deduction where a state offers one.

Compound Interest Growth Calculator

Projects a balance forward at a rate you quote, adding the interest as often as the account really adds it, from once a year to continuously, and reports the effective annual rate that frequency actually pays. It also compares the answer against the same money at simple interest, so the part of the balance that is compounding rather than deposits is a figure rather than a feeling, and puts the whole projection on a grid of rates and horizons.

Cost of Living Comparison Calculator

Compares the cost of living in two states with the federal government's own regional price parities, and gives the salary that keeps the same standard of living. Your share of spending on rent or a mortgage re-weights the comparison, because rents differ between states far more than the rest of spending taken together. Optional state income-tax rates and a saving share turn it from a price comparison into a pay comparison.

Education And Family

Cost of Raising a Child Calculator

Rebuilds what one child costs from the age you enter through 17 out of the published survey's own parts, the age band, the household income group, the region and the adjustment for how many children there are, and states it both in today's dollars and in the dollars of each year the money is spent, split into the seven things it goes on. Use it to replace a single national headline with a figure for your own household, and to see how much of the total is the early years, the later ones and inflation.

Credit Card Payoff Calculator

Runs a credit card balance to zero twice, once at a fixed monthly payment you choose and once at the issuer minimum stated the way the large issuers state it, as the month's interest plus a percentage of the balance with a money floor underneath, and reports the months, the interest and the total paid on each path beside what the difference is worth. Use it to see what a statement's minimum payment actually costs over its whole life and what a fixed payment buys instead.

Crypto DCA Cost Basis Calculator

Enter your crypto purchases and the price today, and see your average cost, the units you hold, your gain or loss and how much of it is on purchases held more than one year, and compare selling a share of your units first in, first out, last in, first out or highest cost first. Then simulate a fixed purchase every 1, 2 or 4 weeks across 100 weekly price paths inside a seeded, reproducible workbook, and see the range of the plan's value by week and the chance that it ends below what it put in. Gains and holding periods, not the tax on them. Estimates for education, not advice.

Debt Consolidation Comparison Calculator

Prices your debts as they stand against one consolidation loan, month by month, with the origination fee counted and the whole life of both routes compared. It reports both monthly payments, both total costs and the two differences, and it is built around the case where a lower monthly payment over a longer term costs thousands more in the end.

Debt Payoff Avalanche vs Snowball Calculator

Runs both debt payoff orders side by side on the same money: the highest rate first, and the smallest balance first, over up to ten debts with their own rates and minimum payments. It reports what each order costs in interest, how long each takes, and the month each one clears its first debt, so the case for clearing a small debt early is a number rather than a claim, and it tabulates the payoff across a grid of extra payments and rate changes.

Debt to Income Ratio Calculator

Works out both debt-to-income ratios a lender measures you by, housing as a share of gross monthly income and all debt as a share of it, and puts them against every published guideline at once. It names the strictest guideline your ratio still clears, the largest new monthly payment each guideline would admit, and how much of that room is left once a loan you are considering is counted.

Deductible vs Premium Tradeoff Calculator

Prices a high-deductible health plan against a low-deductible one over the same year of care, crediting the high-deductible side with all three of its advantages: the lower premium, the employer contribution into a health savings account, and the tax saved on your own contribution. It reports which plan costs less at the care you expect, the billed spend at which the two would cost the same, and the most a single year can cost under each.

Disability Insurance Coverage Gap Calculator

Works out what a group long-term disability plan would actually leave you with each month after the tax an employer-paid benefit attracts, measures that against the spending that cannot stop, and splits the difference into the part a supplemental individual policy could close and the part no policy will cover, because insurers limit total replacement across every policy to a share of income. Use it to see whether cover described as replacing sixty percent of your salary would pay your bills, and how much cash the wait before it starts would take.

Dollar Cost Averaging vs Lump Sum Calculator

Compares investing a sum all at once against feeding it in over several months, on a return you supply, and reports what each is worth at the end, how much the waiting costs and what it saves if the market falls instead. It also runs the comparison across a band of returns you are unsure about and reports how often each way comes out ahead.

Emergency Fund Target Calculator

Sizes an emergency fund in two layers, a reserve for the surprise bill that far more households meet than a layoff, plus months of only the part of essential spending that other income would not cover, then works out how long a savings account's APY takes to build it and whether the months of cover outlast a typical spell of unemployment. Use it to set a target you can reach and to see what the monthly amount and the rate change about when you get there.

Portfolio Planning and Risk

Extra Payment Impact Calculator

Prices two different ways of paying a debt off sooner and keeps them apart: a recurring extra every month and a single lump sum, each run as its own full schedule beside the baseline and then both together, with the months and the interest each one saves. It also reports the rate the money earns by going to the debt, which is the debt's own rate, and tabulates the interest saved across eleven sizes of extra payment and eleven rates so the diminishing return is visible rather than asserted.

Factor and Sector Exposure Look Through Calculator

Add up the factor tilts and sector weights of up to 12 funds, weighted by how much you hold of each, to see which way your whole portfolio leans on value, size, momentum, quality and low volatility, how much of it sits in each of the 11 sectors, which fund puts it there, and which sectors are at or above the share you set as your limit. Estimates for education, not advice.

Financial Independence Number Calculator

Computes the invested balance that supports your spending at the withdrawal rate you plan to use, then finds how many years of saving and real growth it takes to reach it. It reports your savings rate, your age on arrival, and how much sooner you would arrive saving half as much again. Growth is a single average real return, so it says nothing about the order in which returns arrive.

Glide Path Retirement Calculator

Simulate 100 market futures for a retirement plan whose mix of equities, bonds and cash follows a glide path by age, inside a seeded, reproducible workbook, and see the share of futures in which the money lasts to the end age, the equity share today and the spread of balances by age. Each year is drawn with the average return and volatility of that year's mix, less fees; contributions and withdrawals rise with inflation. Estimates for education, not advice.

Home Equity LTV Calculator

Reports equity, the first-mortgage loan-to-value ratio and the combined ratio across every lien, and how much more you could borrow before reaching the limit a lender applies. It reports both mortgage-insurance thresholds and which value each rule is measured against, because automatic termination uses the original price while cancellation on today's value has to be requested.

HSA and 529 Growth with Tax Treatment Calculator

Simulate 100 market futures for yearly contributions to a 529 plan or an HSA inside a seeded, reproducible workbook, and see the range of balances when the money is withdrawn, the tax the contributions save, and how far the account comes out ahead, after tax, of an ordinary taxable account that costs you the same each year. Tax is shown at contribution, on growth and at withdrawal for both. Estimates for education, not advice.

HSA Savings and Tax Benefit Calculator

Prices a health savings account on both of its sides: the tax a year's contribution avoids, split into the three layers that make it up, because federal income tax always applies, state income tax often does not and payroll tax is saved only where the money goes in through an employer's payroll plan and only below the Social Security wage base; and the balance the account reaches over the years you keep it, under either way of paying for care. Use it to see what a contribution is actually worth to you, whether an employer's money has pushed you over the shared limit, and what keeping the receipts rather than spending from the account is worth over a long horizon.

Inflation Purchasing Power Calculator

Restates an amount of money between any two years from 1913 on the official consumer price index. It reports the compound inflation rate over the period, beside the average of yearly rates that overstates it. It then projects what the same amount will buy in the years ahead at an inflation rate you assume, held as cash or earning a savings rate.

Portfolio Planning and Risk

Investment Fees Drag Calculator

Prices an investment fee as what it costs rather than as what it is billed: the same plan is run twice, once with no fee and once with the fees you pay, and the gap between the two balances is split into the fees charged and the growth those fees never made. A one percent annual charge over thirty years costs about two and a half times the fees actually taken and a quarter of the final pot, and it also prices a second fee against yours so an active fund and a tracker can be compared in one place.

Kelly Criterion Position Sizing Calculator

Find the Kelly bet, the share of the bankroll that makes it grow fastest over many bets, from your chance of winning and the odds, size your bet as a share of it, and simulate 100 seeded sequences of 200 bets at full, half and quarter Kelly and at your size inside a reproducible workbook: see how often each falls further from a peak than you can accept and how the bankroll spreads. Estimates for education, not advice.

Life Insurance Needs DIME Calculator

Works out how much life cover a household needs by the DIME method, adding debts, years of income, the mortgage payoff and the cost of education, taking off the cover and savings already in place, and reporting the income leg both the way insurers state it and discounted to the lump sum that would actually pay it out. Use it to see how far a plain DIME total and the ten-times rule of thumb sit from each other, and what the cover needed would cost in premium at the age entered.

Portfolio Planning and Risk

Loan Amortization Schedule Calculator

Works out the monthly payment on a plain amortising loan and prints the schedule it produces year by year: how much of each year's payments went to the balance, how much went to interest, and what was still owed at the end of it. It also reports the share of the first year's payments that is interest and the year in which principal finally overtakes interest, prices an optional extra monthly payment beside the schedule, and tabulates the payment across eleven rates and eleven terms so the two numbers on an offer letter can be read against each other.

Margin Loan Leverage Calculator

Simulate 100 monthly price paths for a position bought partly with a margin loan inside a seeded, reproducible workbook, and see the chance of a margin call within the horizon, how far the value can fall today before a call, the share price that triggers one, the leverage and what the loan costs a year, with a price fall, no change and a rise compared with and without the loan. Margin is checked at each month end. Estimates for education, not advice.

Marginal vs Effective Tax Rate Calculator

Works out the 2026 federal income tax on a household's income and reports the rate on the next dollar twice, as the statutory bracket rate and as the rate actually faced once a deduction that is being withdrawn is counted, and the rate on every dollar three times, once against each of the three bases the income tax is divided by: taxable income, adjusted gross income, and income before any deduction. Use it to see which rate you are being quoted, how many dollars of room are left before the next bracket, and how much of your income the payroll tax takes alongside the income tax.

Monte Carlo Retirement Success Calculator

Simulate 100 market futures for a retirement plan inside a seeded, reproducible workbook and see the share in which the money lasts, the spread of balances year by year, when failures happen, and how a smaller withdrawal, a later start or lower volatility moves the odds. Returns are lognormal with the average and volatility you enter, less fees; withdrawals rise with inflation. Estimates for education, not advice.

Mortgage Affordability Calculator

Works out the most you can pay for a home from your income, your existing debts and the two qualifying ratios a lender applies, and says which of the two binds. Because property tax scales with the price the model is solving for, the affordable price is solved as a fixed point rather than divided out, which is the step that makes the answer consistent with the payment it implies.

Mortgage Payment PITI Calculator

Works out the full monthly cost of a mortgage -- principal, interest, property tax, homeowner insurance, association dues and mortgage insurance -- and stops charging the mortgage insurance at the month the loan reaches 78 percent of the original price, where it terminates. It reports that month, the total insurance actually paid, and what the payment drops to afterwards.

Mortgage Points Calculator

Prices discount points as an investment with a horizon: what they cost, what they save each month, when the saving has repaid them, and what they are worth over the time you expect to keep the loan. It counts the extra principal the lower rate pays down by then, which is worth four figures on an ordinary loan, and can restate the whole trade as a present value.

Mortgage Term Comparison Calculator

Compares a shorter mortgage with a longer one on the same amount: the payment and total interest of each, and then a further comparison -- on the day the shorter loan is paid off, what is still owed on the longer one against what the payment difference would have grown into if invested. It also says when the longer loan would be gone if you simply paid the shorter loan's payment on it.

Pension Lump Sum Vs Annuity Calculator

Values a pension offered as a monthly payment against a lump sum alternative by discounting the payments at the return you believe you could earn on the cash, including any annual increase and a survivor benefit. It reports which is worth more today and the discount rate at which the two are equal, and it says so plainly when the pension is worth less than the lump sum at every non-negative return, because then no such rate exists.

Real vs Nominal Return Calculator

Turns a nominal return into what it is actually worth once inflation and, optionally, tax have taken their share, using the Fisher relation rather than the usual shortcut of subtracting inflation from the return. It reports the exact real return beside the shortcut and the gap between them, the return needed merely to keep pace after tax, what a starting amount becomes on a statement against what it will buy, and a weighted grid of both rates that says how often the money gains purchasing power at all.

Refinance Break Even Calculator

Says how many months a refinance takes to repay what it costs, measured against the term remaining on the loan you have rather than a fresh full term, so a longer new loan cannot disguise re-extension as a saving. It reports the years added to the term as its own figure, compares total remaining cost under each loan, and handles costs rolled into the balance, where there is no break-even month at all.

Rent vs Buy Calculator

Compares renting with buying on the net worth each leaves you with at the end of the period you expect to stay, rather than on monthly cost. The renter's down payment and every month of saved cost are invested at a return you set, the owner's spare cash is invested in any month rent costs more, and the sale at the end pays selling costs and repays the loan. It also reports the month from which buying goes ahead and stays ahead.

Income Investing

Rental Property Cash Flow Return Calculator

Work out the cash flow, cap rate, cash-on-cash return, debt service coverage and return on the money invested of one rental property, before income tax, then simulate 100 futures of rent growth, vacancy and appreciation inside a seeded, reproducible workbook to see the spread of returns, the share returning less than the mortgage rate and the share with a year of negative cash flow. Estimates for education, not advice.

Required Minimum Distribution Calculator

Projects the required minimum distributions from a retirement account year by year from a life-expectancy divisor that falls as you age, and reports the largest single year, the total distributed and the balance left at the end. Enter a tax rate and it also reports the tax on the distributions. The divisors are illustrative inputs you take from the governing table yourself; none is reproduced here.

Retirement Contribution Employer Match Calculator

Works out what you and your employer put into a workplace retirement plan over a year from the share of pay you defer, applies the plan's tiered match, and reports any employer money you are forfeiting. Use it to find the deferral that captures the whole match. The deferral and catch-up limits are illustrative inputs you set yourself, not a reproduced schedule.

Retirement Drawdown Withdrawal Calculator

Runs a retirement balance forward year by year against a withdrawal that rises with inflation, and reports whether the money lasts, the year it would first fall short, and the withdrawal that would last exactly the planned period. Use it to test a four percent rule or any other starting withdrawal against your own return and inflation assumptions.

Retirement Savings Projection Calculator

Projects what your retirement savings grow to by the age you plan to stop working, reported in today's money as well as the money of that year, and the annual income the balance supports at your chosen withdrawal rate. Enter a target income and it also reports the shortfall and the extra annual saving that would close it.

Roth Conversion Tax Impact Calculator

Compares converting a traditional balance to a Roth against leaving it alone, paying the conversion tax now and taxing the untouched balance when you eventually draw it. It reports which comes out ahead, the outside cash the conversion needs, and the future tax rate at which the two are equal. It models one conversion in isolation, not the bracket, surcharge and credit effects of adding the converted amount to a year's income.

Rule of 72 Doubling Time Calculator

Puts the rule of 72 beside the exact doubling time for your rate and compounding frequency, and reports how far the rule is off in years and as a share, the numerator that would be exact at your rate, and the range of rates over which the rule stays within a quarter of a year. It also gives the exact time to triple and to grow tenfold, and tabulates the error across a grid of rates and numerators so the safe region can be seen rather than assumed.

Savings Goal Calculator

Works out what you must put aside each month to reach a savings goal by a deadline, given what you have already saved and the return you expect. It then does the two things a single division cannot: it restates the goal at the deadline when the thing you are saving for gets more expensive, and it runs the whole plan again across a spread of returns, so the answer arrives as a chance of getting there and a range of outcomes rather than as one confident number.

Social Security Claiming Age Calculator

Applies the early-claiming reduction and the delayed-retirement credits to the monthly benefit you would receive at full retirement age, then compares two claiming ages on the total received by a planning age and on the age at which the later claim overtakes the earlier one. The adjustment is derived from the published monthly rates rather than read from a table, and the benefit amount is yours to supply from your own statement.

Student Loan Repayment Planner Calculator

Prices a student loan on the repayment term you choose and puts the ten, twenty and twenty-five year terms beside it from the same balance and rate, so the cost of a longer plan is a number rather than a feeling. It also prices what happens before repayment starts: interest that builds up during school, a grace period or a deferment, and what it costs once it is added to the balance and begins earning interest of its own. Income-driven repayment is not modelled and the workbook says so.

Take Home Pay Paycheck Calculator

Estimates each paycheck from a salary with the IRS's 2026 withholding tables, applies each pre-tax deduction only to the wages it actually reduces, and sets the year's withholding beside the year's tax so the refund or balance due is visible before you file.

Tax Efficient Withdrawal Order Calculator

Compare three orders of drawing a taxable account, a traditional IRA or 401(k) and a Roth account through retirement, each grossed up to the same spending after tax: lifetime tax, how long the money lasts, the balance left and the bracket each year, with required minimum distributions and the tax on Social Security. Estimates for education, not advice.

Tax Loss Harvesting Benefit Calculator

Prices a harvested investment loss as the deferral it is: the tax it saves this year under the netting order the Internal Revenue Service sets out, the carried-forward remainder valued at the annual limit a year at a time, and against those the extra tax due when the replacement position is sold with a basis lower by exactly the loss. Use it to see how much of the benefit is a permanent saving from the gap between the rate saved today and the rate paid later, and how much is only timing.

Tax Lot Selection Method Calculator

Compare the tax one sale of a security adds under six ways of choosing the units you sell: oldest first, newest first, highest cost first, lowest cost first, a lowest-tax order and average cost. See the gain of each, split into short-term and long-term, the federal, net investment income and state tax it adds for 2025 or 2026, the method with the lowest tax of the six, and the tax it saves against oldest first. Estimates for education, not advice.

Total Cost of Car Ownership Calculator

Works out what a car costs to own over the years you keep it, in the six categories AAA counts (depreciation, loan interest, fuel or electricity, insurance, upkeep, and taxes and fees), year by year, with depreciation moved by your mileage the way AAA moves its own average, and sets the result beside AAA's published average for the class at your miles. Use it to see the cost a year, a month and a mile of a particular car, price and way of driving, and which categories make it.