41 Free Financial Calculators

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

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

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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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