Free tools
Financial
calculators
20 calculators for home, debt, saving, investing, taxes, and planning. Your inputs stay in this browser. When a result looks right, send it into the matching quiz.
How they work
A number, then the reason behind it
Each calculator keeps the tool at the top and an explanation underneath, so you can see how the math works, what the result is telling you, and which assumptions it leaves out.
It stays in this browser
What you type is saved on this device. It is not sent to an account, and you can reset it on the tool.
Read the result before you act on it
The guide under the tool uses the same default numbers as the calculator, then explains the formula in plain language.
Carry the number into a match
Use these numbers sends the result to the matching quiz and preselects a planning goal. The first conversation with an advisor is free.
Home & auto
Mortgage payment
Payment, interest and amortisation
Full PITI payment with taxes, insurance and a year-by-year payoff schedule.
Home affordability
How much house your income supports
Solve for the maximum price using debt-to-income limits and live rate scenarios.
Auto loan
Car payment, tax and total cost
Roll in trade-in, down payment and sales tax to see the true cost of the car.
Refinance break-even
When a lower rate pays for itself
Compare your current mortgage with a new rate and see the month the closing costs are covered.
Rent vs buy
Which one leaves you ahead
Compare the wealth from buying a home with the wealth from renting and investing the difference.
Debt
Saving
Investing
Investment growth
Compound returns with contributions
See what your starting balance plus monthly contributions becomes over any horizon.
Retirement planner
On track, or short by how much?
Project to your retirement age and find the monthly amount that closes the gap.
Retirement drawdown
Will the money last?
Model withdrawals against returns and inflation to find your safe spending rate.
401(k) match
Your contribution plus the employer match
See the balance a salary deferral and employer match can reach, and whether match dollars are left behind.
Investment fees
What a higher fee costs over time
Compare the same portfolio at two annual fees and see the dollars the higher fee keeps.
Taxes
Federal tax estimator
Brackets, marginal rate and take-home
2024 brackets, standard deduction, FICA and effective rate on your income.
Self-employment tax
SE tax and quarterly set-aside
Compute self-employment tax, the half deduction and what to set aside each quarter.
Roth vs traditional
Which account leaves more after tax
Put the same pre-tax dollars in a Roth or a traditional account and compare the spendable balance.
Planning
Net worth tracker
Assets minus liabilities, at a glance
Total up everything you own and owe to see the number that actually matters.
College savings
Monthly savings for a future tuition bill
Inflate today's college cost across the years in school and find the monthly savings that covers it.
Inflation
Future cost and buying power
See what today's dollars cost later, or what a sum you hold today will buy after inflation.
Life insurance needs
Income replacement after what you already have
Estimate coverage from years of income, debts, and goals, then subtract savings and policies you already own.