Free Tools
Financial Calculators
105 free calculators for mortgage, auto, retirement, tax, paycheck, and small-business planning.
Every calculator below runs entirely in your browser — your numbers are never sent to us or stored anywhere. Pick a category to jump to it, or book a free consultation if you would rather talk the numbers through with a federally licensed Enrolled Agent.
Estimates are for planning only — not tax, legal, or investment advice. Questions? Get in touch.
Automobile
8 calculatorsAuto Loan Payment
Monthly payment and lifetime interest on a vehicle loan.
Open calculatorCar Affordability
How much vehicle your income actually supports.
Open calculatorLease vs Buy a Car
Total cost of leasing against buying and keeping the car.
Open calculatorAuto Loan Payoff
What extra payments do to a car loan.
Open calculatorTrade-In Equity
Whether you have equity or are underwater on a trade.
Open calculatorTotal Cost of Ownership
Everything a vehicle costs each month, not just the payment.
Open calculatorRefinance an Auto Loan
Whether refinancing your car loan is worth the paperwork.
Open calculatorFuel Savings Comparison
Does better mileage pay for a more expensive vehicle.
Open calculatorBusiness
8 calculatorsBreak-Even Analysis
The volume where revenue finally covers fixed costs.
Open calculatorBusiness Loan Payment
Debt service on a term loan or SBA facility.
Open calculatorStartup Cost Budget
What it takes to open the doors, line by line.
Open calculatorProfit Margin
Gross and net margin, and the markup they imply.
Open calculatorCash Flow Runway
How long the cash lasts and when revenue catches up.
Open calculatorEquipment Lease vs Buy
Leasing versus buying a capital asset outright.
Open calculatorSelf-Employment Tax
SE tax, income tax and the quarterly set-aside.
Open calculatorPayroll Cost Budget
The real monthly cost of a payroll, including burden.
Open calculatorCredit Cards
7 calculatorsMinimum Payment Payoff
How long minimum payments really take.
Open calculatorCredit Card Payoff Goal
The payment that clears your cards on your timeline.
Open calculatorBalance Transfer Savings
Whether a transfer fee buys enough interest relief.
Open calculatorDebt Avalanche vs Snowball
Interest cost of each payoff order, side by side.
Open calculatorCard Interest Cost
What carrying a balance costs each month.
Open calculatorUtilization Ratio
Balances against limits, and the score implications.
Open calculatorRewards Value
Whether a card's rewards clear its annual fee.
Open calculatorMortgage
9 calculatorsMortgage Payment
Full monthly payment including taxes, insurance and PMI.
Open calculatorHome Affordability
The price your income supports at three risk levels.
Open calculator15 vs 30 Year Mortgage
Payment relief now against interest saved later.
Open calculatorRefinance Break-Even
How long until a refinance pays for its own costs.
Open calculatorExtra Payment Payoff
What extra principal does to a 30-year mortgage.
Open calculatorPoints vs No Points
Whether buying down the rate beats keeping the cash.
Open calculatorARM vs Fixed
Savings during the fixed period versus rate risk after.
Open calculatorDown Payment and PMI
How your down payment changes payment and PMI.
Open calculatorClosing Costs
Every line item between offer and keys.
Open calculatorRetirement
9 calculatorsRetirement Savings Projection
Where your current savings pace lands you.
Open calculatorRetirement Income Needs
The income your portfolio can support, and for how long.
Open calculator401(k) Growth
What contributions and match grow into by retirement.
Open calculatorRoth vs Traditional
Paying tax now against paying it in retirement.
Open calculatorSocial Security Timing
Claiming early against a larger benefit later.
Open calculatorSafe Withdrawal Rate
How long the portfolio survives at your chosen rate.
Open calculatorCatch-Up Contributions
What maxing out after 50 adds to the balance.
Open calculatorRMD Estimate
Roughly what the IRS will force you to withdraw.
Open calculatorPension vs Lump Sum
A lifetime monthly benefit against taking the cash.
Open calculatorInsurance
7 calculatorsLife Insurance Needs
How much coverage your dependents actually need.
Open calculatorDisability Coverage
Income protection if you cannot work.
Open calculatorTerm vs Whole Life
Term plus investing against a permanent policy.
Open calculatorHealth Plan Comparison
Premiums plus expected out-of-pocket, plan against plan.
Open calculatorLong-Term Care Cost
What care will cost by the time you need it.
Open calculatorUmbrella Coverage
Liability coverage sized to what you could lose.
Open calculatorDeductible Trade-Off
Lower premium against the risk of a bigger claim.
Open calculatorKids
6 calculatorsCollege Savings Goal
The monthly amount that funds a degree.
Open calculator529 Growth
How a 529 balance compounds until enrollment.
Open calculatorChild Care Budget
What raising a child costs month to month.
Open calculatorCost of Raising a Child
The 18-year total, adjusted for rising prices.
Open calculatorCustodial Account Growth
A custodial account's balance at adulthood.
Open calculatorAllowance and Savings Habit
What a small, steady habit builds by adulthood.
Open calculatorInvestment
9 calculatorsCompound Interest
The core engine behind every long-term plan.
Open calculatorInvestment Goal
The monthly investment a target requires.
Open calculatorDollar-Cost Averaging
Steady contributions against a lump-sum start.
Open calculatorPortfolio Allocation
Your mix, and how concentrated it really is.
Open calculatorAnnualized Return
Compound annual return against a passive benchmark.
Open calculatorDividend Reinvestment
What reinvested dividends add over decades.
Open calculatorRule of 72
How fast money doubles at a given return.
Open calculatorCapital Gains Tax
Tax owed when you sell an appreciated position.
Open calculatorInflation-Adjusted Return
What your return is worth after inflation.
Open calculatorLoans
8 calculatorsPersonal Loan Payment
Payment and interest on an unsecured loan.
Open calculatorStudent Loan Payoff
What extra payments do to student debt.
Open calculatorLoan Comparison
Two loan offers on equal footing.
Open calculatorDebt Consolidation
Consolidating against paying debts as they stand.
Open calculatorAmortization Schedule
How each payment splits between principal and interest.
Open calculatorLoan Payoff Goal
The payment that hits your payoff date.
Open calculatorCosigner Risk Check
What cosigning does to your own borrowing power.
Open calculatorInterest-Only vs Amortizing
Lower payments now against building no equity.
Open calculatorPaycheck
6 calculatorsTake-Home Pay
What actually lands in your account each pay period.
Open calculatorHourly to Salary
Annual, monthly and effective pay from an hourly rate.
Open calculatorPaycheck 401(k) Impact
The real cost to your check of saving more.
Open calculatorBonus Withholding
Why a bonus is withheld at a flat rate, and the true-up.
Open calculatorRaise Impact
What a raise is worth after tax and lifestyle creep.
Open calculatorOvertime Earnings
What overtime adds across a year.
Open calculatorReal Estate
8 calculatorsRental Cash Flow
Monthly cash flow, cap rate and return on cash.
Open calculatorCap Rate
Yield on the property independent of financing.
Open calculatorRent vs Buy
Renting against owning over your real time horizon.
Open calculatorHome Equity
Equity today and what a sale would actually net.
Open calculatorHELOC Payment
Payment and interest on a home equity line.
Open calculatorProperty Appreciation
Where a property's value lands, in real terms.
Open calculatorFix and Flip ROI
Profit and return after rehab, holding and selling costs.
Open calculatorRent Increase Impact
What rent escalation costs over a decade.
Open calculatorSavings
8 calculatorsSavings Growth
Where steady deposits and interest take a balance.
Open calculatorEmergency Fund Target
The fund size and monthly amount that gets you covered.
Open calculatorSavings Goal Timeline
What a dated goal requires each month.
Open calculatorCD Ladder Yield
Yield from laddered certificates against one term.
Open calculatorHigh-Yield vs Checking
What idle cash gives up in the wrong account.
Open calculatorSinking Fund
Saving ahead for a known, dated expense.
Open calculatorInflation Impact on Savings
What sitting in cash costs in real terms.
Open calculatorAutomatic Transfer Plan
What a small automatic transfer builds quietly.
Open calculatorTax
7 calculatorsFederal Tax Estimate
Your estimated federal bill and both tax rates.
Open calculatorEffective vs Marginal Rate
The difference between your bracket and your real rate.
Open calculatorQuarterly Estimated Payments
What to send the IRS each quarter to stay safe.
Open calculatorWithholding Check
Whether your W-4 is aimed at the right number.
Open calculatorItemize vs Standard
Which deduction path actually lowers your bill.
Open calculatorSelf-Employment Tax Detail
SE tax when you have both W-2 and 1099 income.
Open calculatorTax-Loss Harvesting
What harvesting losses is worth at your bracket.
Open calculatorYoung Adults
5 calculatorsFirst Apartment Budget
What living on your own actually costs each month.
Open calculatorStudent Loan vs Save
Paying debt down against investing the same dollars.
Open calculatorBuilding Credit Timeline
The habits that build a score from nothing.
Open calculatorRoth IRA Head Start
What starting a decade early is actually worth.
Open calculatorCar vs Transit Cost
Owning a car against going without one.
Open calculatorWant the Numbers Checked by a Human?
Book a free consultation with Glenn Sarver, EA — no pressure, no call centers.