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

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) Coming soon

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.

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Home Insurance Coming soon

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 Coming soon

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 Coming soon

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 Coming soon

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 Coming soon

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 Coming soon

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 Coming soon

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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