Calculators to help you maximize your finances
Free tools to estimate federal tax, project savings and investment growth, calculate loan payments, and plan debt payoff. Clear results with no sign-up required.
Federal tax
TaxIncome tax estimate by year and filing status.
Budget 50/30/20
PlanningSplit take-home into needs, wants, and savings.
Mortgage payment
HomeP&I, taxes, insurance, and PMI.
Mortgage approval estimate
HomeMax home price from income, APR, and housing DTI.
Refinance break-even
HomeMonths to recoup refinancing costs.
Savings & investment growth
InvestingCompound growth for savings, bonds, stocks, and more.
401(k) & IRA contribution
InvestingWorkplace 401(k) or personal IRA limits, match, and catch-up.
Loan payment
LoansFixed-rate monthly payment and interest.
Debt payoff
DebtTime and interest with extra payments.
Emergency fund
PlanningTime to a cash savings goal.
Future inflation
PlanningProject future purchasing power and costs.
Net worth
PlanningCash, investments, other assets, and debt toward a goal.
From the blog
Guides to help you make sense of the math.
- 401(k), SIMPLE IRA & IRA Contribution BasicsElective deferrals, employer match formulas, SIMPLE IRA, IRS limits, and Roth IRA MAGI phase-outs in plain language.
- The 50/30/20 Budget GuidelineNeeds, wants, and savings — a flexible split for take-home pay, not a hard rule.
- Emergency Fund BasicsHow big a cash buffer to target and how long contributions take to get there.