40 Free Financial Calculators

One home for every financial calculator you’ll actually use.

Retirement, 401(k)s, taxes, capital gains, HSAs, net worth, and more — all in one place, free, with no signup.

40
calculators
11
categories
$0
cost, always

Explore the calculators

Browse by category. Tools marked “Coming soon” are in active development.

Retirement

9 tools

FERS Retirement Calculator

Coming soon

Estimate your FERS annuity from your High-3 salary, years of service, and retirement age.

How Long Will My Retirement Savings Last Calculator

Coming soon

See how many years your savings will last at your withdrawal rate.

Retirement Tax Calculator

Coming soon

Estimate federal and state tax on retirement income, including quarterly payments.

Military Retirement Calculator

Coming soon

Calculate monthly and lifetime retired pay by branch, years of service, and rank.

Bitcoin Retirement Calculator

Coming soon

Project your BTC holdings’ value at retirement under different growth scenarios.

TSP Retirement Calculator

Coming soon

Project your Thrift Savings Plan balance, including agency match, at retirement.

Railroad Retirement Calculator

Coming soon

Estimate your Tier I and Tier II railroad retirement annuity.

FIRE & Coast FIRE Calculator

Coming soon

Find your FIRE number and the smaller Coast FIRE number you need today.

Days to Retirement Calculator

Coming soon

Get your exact retirement date and a live countdown.

401(k)

6 tools

Taxes on 401k Withdrawal Calculator

Coming soon

See the penalty and tax owed on an early 401(k) withdrawal.

Roth or 401k Calculator

Coming soon

Compare Roth vs. traditional 401(k) growth side by side.

401k Match Calculator

Coming soon

Check whether you’re capturing your full employer match.

401k Max Contribution Calculator

Coming soon

Find the per-paycheck amount needed to hit the annual limit.

401k Paycheck Calculator

Coming soon

See how a contribution change affects your take-home pay.

401k Tax Deduction Calculator

Coming soon

Estimate tax owed on a 401(k) withdrawal or Roth conversion.

Tax & Paycheck

5 tools

Reverse Sales Tax Calculator

Coming soon

Back out the pre-tax price and tax amount from a total.

S Corp Tax Calculator

Coming soon

Compare S-corp salary/distribution tax to a sole-proprietorship baseline.

Uber Tax Calculator

Coming soon

Estimate self-employment tax and quarterly payments on gig income.

RSU Tax Calculator

Coming soon

See tax owed and shares withheld when your RSUs vest.

Settlement Tax Calculator

Coming soon

Estimate the taxable portion of a legal settlement.

Net Worth

5 tools

Net Worth Percentile by Age Calculator

Coming soon

See how your net worth compares to others your age.

Tangible Net Worth Calculator

Coming soon

Calculate net worth excluding intangible assets like goodwill.

Pension Net Worth Calculator

Coming soon

Add the present value of a pension to your net worth.

Future Net Worth Calculator

Coming soon

Project your net worth years from now at your savings rate.

Liquid Net Worth Calculator

Coming soon

Calculate net worth using only cash and liquid assets.

Capital Gains

4 tools

Capital Gains Tax Calculator on Sale of Property

Coming soon

Estimate tax owed on a home sale, including the $250k/$500k exclusion.

Capital Gains Tax Calculator on Sale of Rental Property

Coming soon

Factor in depreciation recapture on an investment property sale.

Capital Gains Yield Calculator

Coming soon

Calculate the price-appreciation return on a stock position.

1031 Capital Gains Calculator

Coming soon

Estimate deferred gain and new cost basis on a 1031 exchange.

HSA

3 tools

HSA Calculator

Coming soon

Project your HSA balance and tax-free growth over time.

HSA Tax Savings Calculator

Coming soon

See your total tax savings from an HSA contribution.

HSA vs PPO Calculator

Coming soon

Compare total annual cost between an HDHP+HSA and a PPO plan.

Mortgage Payoff

3 tools

Online Mortgage Payoff Calculator

Coming soon

See your new payoff date and interest saved from extra payments.

Mortgage Payoff vs Investing Calculator

Coming soon

Compare paying down your mortgage faster vs. investing the difference.

Biweekly Mortgage Payoff Calculator

Coming soon

See how biweekly payments shorten your loan and cut interest.

Home Insurance

2 tools

Home Insurance Replacement Cost Calculator

Coming soon

Estimate what it would cost to rebuild your home.

Home Contents Insurance Calculator

Coming soon

Estimate the personal-property coverage you need.

Emergency Fund

1 tool

Emergency Fund Calculator

Coming soon

Find your target emergency fund and how long it’ll take to reach it.

Debt Payoff

1 tool

Credit Card Debt Payoff Calculator

Coming soon

Compare snowball vs. avalanche payoff timelines and interest.

Loan & Finance

1 tool

Seller Financing Calculator

Coming soon

Calculate payment, interest, and amortization on a financed purchase.

From the blog

Deep dives and comparisons to help you get more out of every calculator.

Retirement

Dave Ramsey vs. Boldin vs. Fidelity: Which Retirement Calculator Should You Actually Use?

We compare the most-searched retirement calculators side by side — what each one gets right, where they fall short, and when a simple withdrawal calculator beats them all.

401(k)

Solo 401(k) for the Self-Employed: Contribution Limits, Profit Sharing, and Fees Explained

If you’re self-employed, a solo 401(k) can beat a SEP IRA — but only if you understand the employee/employer contribution split and profit-sharing rules.

Retirement

Retirement Planning in a Spreadsheet: Free Excel & Google Sheets Templates You Can Steal

Before you trust any calculator, here’s what’s actually happening under the hood — plus downloadable templates if you’d rather build your own.

Home Insurance

How Is Home Insurance Actually Calculated? Replacement Cost, Contents, and the 80% Rule

Your premium isn’t based on what you paid for your house. Here’s what insurers actually calculate — and why underinsuring by 20% can cost you the whole claim.

Capital Gains

Capital Gains Tax on Inherited or Gifted Property — And What Changes If You Live Abroad

Inherited property gets a “stepped-up basis” that can erase most of your capital gains tax. Gifted property doesn’t. Here’s the difference, explained simply.

Tax & Paycheck

Sales Tax, Vehicle Tax, and Transfer Tax by State: The Complete Guide

A state-by-state breakdown of every major transaction tax in the U.S. — with links to the exact calculator for your state as each one goes live.

Net Worth

What Actually Counts Toward Your Net Worth? A Plain-English Breakdown

Liquid vs. tangible vs. total net worth — and why your pension, your car, and your home equity don’t all count the same way.

Debt & Savings

Dave Ramsey’s Debt Snowball and Emergency Fund Rule: Do They Actually Work?

The math behind paying off your smallest debt first, and why a $1,000 starter emergency fund might be too small in 2026.

Tax & Paycheck

How to Get Your VAT Tax Refund When Traveling: A Global Blue Walkthrough

Shopping abroad? Here’s how VAT refunds actually work, what Global Blue takes as a fee, and how to avoid missing the deadline at the airport.

Mortgage

Beyond the Basic Payoff Calculator: HELOC Acceleration, Reverse Mortgages, and Other Options

Paying extra on your mortgage isn’t the only lever. Here’s how HELOC-acceleration strategies and reverse mortgages actually compare.

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