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.
Explore the calculators
Browse by category. Tools marked “Coming soon” are in active development.
Retirement
9 toolsFERS Retirement Calculator
Coming soonEstimate your FERS annuity from your High-3 salary, years of service, and retirement age.
How Long Will My Retirement Savings Last Calculator
Coming soonSee how many years your savings will last at your withdrawal rate.
Retirement Tax Calculator
Coming soonEstimate federal and state tax on retirement income, including quarterly payments.
Military Retirement Calculator
Coming soonCalculate monthly and lifetime retired pay by branch, years of service, and rank.
Bitcoin Retirement Calculator
Coming soonProject your BTC holdings’ value at retirement under different growth scenarios.
TSP Retirement Calculator
Coming soonProject your Thrift Savings Plan balance, including agency match, at retirement.
Railroad Retirement Calculator
Coming soonEstimate your Tier I and Tier II railroad retirement annuity.
FIRE & Coast FIRE Calculator
Coming soonFind your FIRE number and the smaller Coast FIRE number you need today.
Days to Retirement Calculator
Coming soonGet your exact retirement date and a live countdown.
401(k)
6 toolsTaxes on 401k Withdrawal Calculator
Coming soonSee the penalty and tax owed on an early 401(k) withdrawal.
Roth or 401k Calculator
Coming soonCompare Roth vs. traditional 401(k) growth side by side.
401k Match Calculator
Coming soonCheck whether you’re capturing your full employer match.
401k Max Contribution Calculator
Coming soonFind the per-paycheck amount needed to hit the annual limit.
401k Paycheck Calculator
Coming soonSee how a contribution change affects your take-home pay.
401k Tax Deduction Calculator
Coming soonEstimate tax owed on a 401(k) withdrawal or Roth conversion.
Tax & Paycheck
5 toolsReverse Sales Tax Calculator
Coming soonBack out the pre-tax price and tax amount from a total.
S Corp Tax Calculator
Coming soonCompare S-corp salary/distribution tax to a sole-proprietorship baseline.
Uber Tax Calculator
Coming soonEstimate self-employment tax and quarterly payments on gig income.
RSU Tax Calculator
Coming soonSee tax owed and shares withheld when your RSUs vest.
Settlement Tax Calculator
Coming soonEstimate the taxable portion of a legal settlement.
Net Worth
5 toolsNet Worth Percentile by Age Calculator
Coming soonSee how your net worth compares to others your age.
Tangible Net Worth Calculator
Coming soonCalculate net worth excluding intangible assets like goodwill.
Pension Net Worth Calculator
Coming soonAdd the present value of a pension to your net worth.
Future Net Worth Calculator
Coming soonProject your net worth years from now at your savings rate.
Liquid Net Worth Calculator
Coming soonCalculate net worth using only cash and liquid assets.
Capital Gains
4 toolsCapital Gains Tax Calculator on Sale of Property
Coming soonEstimate tax owed on a home sale, including the $250k/$500k exclusion.
Capital Gains Tax Calculator on Sale of Rental Property
Coming soonFactor in depreciation recapture on an investment property sale.
Capital Gains Yield Calculator
Coming soonCalculate the price-appreciation return on a stock position.
1031 Capital Gains Calculator
Coming soonEstimate deferred gain and new cost basis on a 1031 exchange.
HSA
3 toolsHSA Calculator
Coming soonProject your HSA balance and tax-free growth over time.
HSA Tax Savings Calculator
Coming soonSee your total tax savings from an HSA contribution.
HSA vs PPO Calculator
Coming soonCompare total annual cost between an HDHP+HSA and a PPO plan.
Mortgage Payoff
3 toolsOnline Mortgage Payoff Calculator
Coming soonSee your new payoff date and interest saved from extra payments.
Mortgage Payoff vs Investing Calculator
Coming soonCompare paying down your mortgage faster vs. investing the difference.
Biweekly Mortgage Payoff Calculator
Coming soonSee how biweekly payments shorten your loan and cut interest.
Home Insurance
2 toolsHome Insurance Replacement Cost Calculator
Coming soonEstimate what it would cost to rebuild your home.
Home Contents Insurance Calculator
Coming soonEstimate the personal-property coverage you need.
Emergency Fund
1 toolEmergency Fund Calculator
Coming soonFind your target emergency fund and how long it’ll take to reach it.
Debt Payoff
1 toolCredit Card Debt Payoff Calculator
Coming soonCompare snowball vs. avalanche payoff timelines and interest.
Loan & Finance
1 toolSeller Financing Calculator
Coming soonCalculate payment, interest, and amortization on a financed purchase.
From the blog
Deep dives and comparisons to help you get more out of every calculator.
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.
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 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.
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 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.
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.
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.
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.
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.
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.