Finance Calculators & Tools

Compound Interest Calculator

Calculate growth of money over time with compounding. Compare contribution frequencies and rates.

Simple Interest Calculator

Calculate simple interest on loans and deposits without compounding. Compare to compound returns.

Investment Return Calculator

Project investment growth with regular contributions, compounding, and inflation adjustment.

CAGR Calculator

Calculate Compound Annual Growth Rate for any investment, business, or asset.

Inflation-Adjusted Return Calculator

Calculate real return after inflation. See how purchasing power changes over time.

Inflation Calculator

Compare purchasing power between years using historical CPI data. US, UK, and global indices.

Personal Inflation Calculator

Calculate your personal inflation rate based on your specific spending categories.

ROI Calculator

Calculate return on investment for any business, asset, or project. Annualized and total ROI.

NPV Calculator

Calculate Net Present Value of cash flows. Standard tool for project and investment analysis.

APR Calculator

Calculate Annual Percentage Rate including fees and points. Compare loan offers apples-to-apples.

APY Calculator

Calculate Annual Percentage Yield with compound interest. Compare savings, CD, and HYSA accounts.

Stock Profit Calculator

Calculate stock trade profit including commission, dividend, and capital gains tax.

Stock Return Calculator

Calculate total stock return including price appreciation, dividends, and reinvestment.

Stock Split Calculator

Calculate new share count and adjusted basis after a forward or reverse stock split.

Dividend Calculator

Calculate dividend income from stock holdings based on yield, share count, and frequency.

Dividend Reinvestment (DRIP) Calculator

Project DRIP compounding over years. See how reinvested dividends accelerate portfolio growth.

Options Profit Calculator

Calculate profit and break-even on call and put option trades. Visualize payoff diagrams.

Margin Call Calculator

Calculate margin call price and maintenance margin requirement for stock or futures positions.

ETF vs Mutual Fund Calculator

Compare ETF and mutual fund performance after expense ratios, taxes, and trading costs.

Asset Allocation by Age Calculator

Suggested stock/bond allocation based on age, risk tolerance, and retirement timeline.

Bond Yield Calculator

Calculate yield to maturity, current yield, and capital gain on corporate and treasury bonds.

I Bond Calculator

Calculate Series I Bond returns with composite rate (fixed + inflation) and 6-month adjustments.

Treasury Bill Calculator

Calculate T-bill discount yield and bond equivalent yield. Compare to CD and money market.

Crypto Profit Calculator

Calculate crypto trade profit including fees and capital gains. Bitcoin, Ethereum, altcoins.

Forex Pip Calculator

Calculate pip value across currency pairs and lot sizes. Standard, mini, and micro lots.

Retirement Calculator

Project retirement savings, target nest egg, and monthly contributions to retire at goal age.

Retirement Withdrawal Calculator

Calculate sustainable withdrawal rates using 4% rule, dynamic, and bucket strategies.

FIRE Calculator

Project your Financial Independence Retire Early date based on savings rate and target FIRE number.

Coast FIRE Calculator

Calculate the savings needed today to reach FIRE without further contributions. Coast to retirement.

Lean FIRE Calculator

Calculate your Lean FIRE number for minimalist early retirement. See years to FIRE, monthly passive income, and coast FIRE age.

Barista FIRE Calculator

Calculate when you can quit your career for part-time work while your portfolio grows to full FIRE. Model gap spending, health insurance, and exact Barista FIRE age.

Rule of 72 Calculator

Estimate how long to double, triple, or quadruple your money at any interest rate using the Rule of 72 — with exact log formula comparison and a quick-reference rate table.

Savings Rate Calculator

Calculate your personal savings rate (gross and net), compare to the US average 4.6% (BEA 2026), and project your years to FIRE using the 4% rule.

Dollar-Cost Averaging Calculator

Compare DCA vs lump sum investing. See total portfolio value, contributions vs gains, and a year-by-year growth breakdown for both strategies.

Financial Independence Calculator

Calculate years to financial independence based on income, expenses, and savings rate.

HSA Investment Growth Calculator

Project your HSA balance at retirement and quantify the triple-tax advantage — tax-free contributions, growth, and medical withdrawals. Compare vs taxable brokerage.

Traditional vs Roth IRA Calculator

Compare Traditional vs Roth IRA side by side. See which account leaves you with more after-tax wealth at retirement based on your tax rates, contribution, and return.

Roth IRA Calculator

Project Roth IRA growth over time with contributions, compound interest, and tax-free withdrawals.

Backdoor Roth IRA Calculator

Calculate backdoor Roth IRA tax cost and pro-rata rule impact for high earners above income limits.

SEP IRA Contribution Calculator

Calculate maximum SEP IRA contribution for self-employed and small business owners.

Inherited IRA 10-Year Rule Calculator

Calculate your annual required distributions from an inherited IRA under the SECURE 2.0 10-year rule. See your 10-year depletion schedule, tax impact, and total after-tax value.

Solo 401(k) Contribution Calculator

Calculate maximum Solo 401(k) contributions including employer and employee portions.

529 Plan Calculator

Project 529 college savings growth with contributions, state tax deductions, and compounding.

Savings Calculator

Project savings growth with regular contributions and interest. Hit any savings goal.

Savings Goal Calculator

Calculate monthly contributions needed to reach a savings target by a deadline.

Emergency Fund Calculator

Calculate ideal emergency fund size based on monthly expenses and risk tolerance.

Sinking Fund Calculator

Plan multiple sinking funds for car, vacation, taxes, and irregular expenses.

CD Calculator

Calculate Certificate of Deposit returns with compounded APY. Compare CD terms and rates.

CD Ladder Calculator

Build a CD ladder for predictable income and access to funds. Compare yields by ladder length.

CD vs Savings Comparison

Compare CD and high-yield savings account returns. Factor in liquidity and rate volatility.

HYSA Interest Calculator

Calculate High-Yield Savings Account interest with monthly compounding and contributions.

Debt Payoff Calculator

Plan debt payoff with extra payments. See total interest saved and payoff date.

Debt Snowball vs Avalanche

Compare debt snowball vs avalanche payoff strategies. See which saves more interest and time.

Debt-Free Date Calculator

Calculate exact date you'll be debt-free based on current balances and monthly payments.

Debt-to-Income Ratio Calculator

Calculate DTI ratio for mortgage and loan applications. Front-end and back-end DTI.

Credit Card Payoff Calculator

Calculate months to pay off credit card debt and total interest paid at current minimum payments.

Credit Score Simulator

See how credit score actions impact FICO score — pay down balance, close card, hard inquiry, more.

Personal Loan Calculator

Calculate personal loan monthly payment, total interest, and payoff schedule. Compare APRs.

Loan Amortization Calculator

See full amortization schedule with principal and interest split per payment.

Loan Payment Calculator

Calculate loan payment for any amount, rate, and term. Quick payment estimator.

Student Loan Repayment Calculator

Compare federal student loan repayment plans — Standard, IBR, PAYE, SAVE, IDR forgiveness.

Installment Loan Calculator

Calculate installment loan payments, total interest, and amortization schedule with extra payments.

Home Equity Loan Calculator

Calculate home equity loan payments, max borrowable amount, and compare HEL vs HELOC side by side.

IDR Plan Comparison Calculator

Compare all 4 federal IDR plans — SAVE, IBR, PAYE, ICR — side by side. Monthly payments, total cost, and forgiveness projections using 2026 FPL guidelines.

Student Loan Refinance Calculator

Compare current vs refinanced student loan: monthly savings, total interest saved, break-even month, and payoff timeline side by side.

Car Lease Calculator

Calculate monthly car lease payment including depreciation, finance charges, taxes, and fees. Convert money factor to APR.

Auto Loan Refinance Calculator

Calculate auto loan refinance savings, monthly payment reduction, and break-even point. Compare current vs new car loan rates.

Business Loan Calculator

Calculate business loan monthly payments, total interest, and amortization. Compare term options.

Business Line of Credit Calculator

Calculate interest cost, fees, and effective APR on a business line of credit. Compare LOC vs term loan.

SBA Loan Calculator

Calculate SBA 7(a), 504, and Microloan monthly payments, guarantee fees, and total cost. Compare SBA vs conventional financing.

Balance Transfer Calculator

Calculate savings from 0% intro APR balance transfer offers. See payoff timeline and net benefit.

Minimum Payment Calculator

See the true cost of credit card minimum payments. Compare fixed payment plans for faster payoff.

Loan APR Calculator

Calculate true APR of any loan including fees. Compare advertised rate vs actual cost.

72(t) SEPP Distribution Calculator

Calculate penalty-free early IRA withdrawals using all 3 IRS methods (RMD, amortization, annuitization).

50/30/20 Budget Calculator

Allocate take-home pay across needs, wants, and savings using the 50/30/20 budget rule.

Zero-Based Budget Calculator

Build a zero-based budget where every dollar has a job. Income minus expenses equals zero.

Expense Tracker

Track monthly expenses across categories. Spot spending leaks and trim discretionary outflows.

Cash Flow Calculator

Calculate monthly cash flow — income minus all expenses, debts, and savings contributions.

Net Worth Calculator

Calculate net worth across assets and liabilities. Track progress to financial independence.

Passive Income Calculator

Calculate target portfolio for passive income goal. Mix dividends, interest, and rental income.

Side Hustle Profit Calculator

Calculate net profit from side hustle after expenses, self-employment tax, and time invested.

Net Income Calculator

Calculate take-home pay after federal, state, FICA, and pre-tax deductions.

Gross-Up Calculator

Calculate gross pay needed to deliver a target net amount after taxes. Useful for bonuses and relocations.

Hourly to Salary Calculator

Convert hourly wage to annual salary. Factor in PTO, holidays, and OT.

Salary to Hourly Calculator

Convert annual salary to hourly rate. Compare full-time vs contract pay.

Salary Negotiation Calculator

Calculate lifetime impact of negotiating salary with annual raises and 401(k) match compounding.

Salary Comparison by City

Compare salary across 30+ global cities adjusting for cost of living, tax, and PPP.

Cost of Living Calculator

Compare cost of living between US cities and global metros. Housing, food, taxes, transit.

Cap Rate Calculator

Calculate capitalization rate on investment property. NOI divided by property value.

Rental Property ROI Calculator

Calculate cash-on-cash return, total ROI, and IRR on rental property investments.

Rental Property Cash Flow

Calculate monthly and annual cash flow on rental property. Income minus all expenses.

Rental Yield Calculator

Calculate gross and net rental yield on property. Compare investment property opportunities.

Airbnb Revenue Estimator

Estimate Airbnb monthly revenue based on nightly rate, occupancy, and city benchmarks.

BRRRR Strategy Calculator

Calculate Buy Rehab Rent Refinance Repeat strategy returns and cash recycled.

Fix and Flip Calculator

Calculate fix and flip profit, ARV, max offer (70% rule), and total project costs.

House Flipping Profit Calculator

Detailed flip profit calculator with holding costs, financing, and selling expenses.

House Hacking Calculator

Calculate net housing cost when renting out part of your home. Compare to buying alone.

Lease vs Buy Calculator

Compare lease vs buy decisions for car or equipment. Total cost and tax implications.

Real Estate Commission Calculator

Calculate buyer and seller agent commissions. Test different splits and discount brokers.

1031 Exchange Calculator

Calculate deferred capital gains tax in a 1031 like-kind exchange. Plan reinvestment.

Personal Balance Sheet Calculator

Build your personal balance sheet with assets and liabilities. Calculate net worth, debt-to-asset ratio, and liquidity ratio.

Annuity Payout Calculator

Estimate your annuity income based on principal, interest rate, and payout period. Compare immediate vs deferred annuities with inflation adjustment.

Pension Lump Sum vs Annuity Calculator

Decide whether to take your pension as a lump sum or monthly annuity. See break-even age, present value comparison, and required investment return.

Municipal Bond Tax-Equivalent Yield Calculator 2026

Calculate the 2026 tax-equivalent yield (TEY) on a muni bond vs a taxable bond. Federal + state + NIIT + AMT exposure handled.

Debt Consolidation Calculator

Calculate debt consolidation savings — compare current payments vs a single consolidated loan. See exact monthly savings, total interest reduction, and payoff date.

IRA Rollover Tax Calculator

Calculate tax impact of IRA rollovers and Roth conversions. Federal and state tax cost, break-even analysis, and 25-year projections.

RMD Calculator 2026

Calculate Required Minimum Distribution for 2026 using IRS Uniform Lifetime Table and SECURE 2.0 rules.

Social Security Breakeven Age Calculator 2026

Find your Social Security breakeven age. Compare claiming at 62, 67, or 70 — see exactly when delaying beats taking benefits early.

Treasury Yield Calculator

Calculate treasury bond yields — T-Bill discount yield, T-Note/Bond YTM, tax-equivalent yield, and after-tax income.

Mortgage Calculators

Affordability, refinance, biweekly payoff, ARM vs fixed, PMI, HELOC, and recast tools.

Insurance Calculators

Home, life, health, auto, and pet insurance estimators.

Tax Calculators

Federal, state, payroll, capital gains, self-employment, and quarterly tax tools.

B2B & SaaS Calculators

MRR, ARR, CAC, LTV, churn, runway, burn rate, valuation, and ROAS tools.

Career & Salary

Salary calculators, job offer comparison, commute cost, freelance rate tools.

Housing & Real Estate

Rental yield, BRRRR, fix-and-flip, cap rate, and investment property tools.

Debt Avalanche Calculator

Pay off debts using the avalanche method (highest APR first). Total interest, payoff date, savings vs minimums.

Net Worth Tracker

Track net worth month over month. Log assets and liabilities locally — 100% private. Multi-currency.

401(k) Loan Calculator 2026

Calculate 401(k) loan payments, interest cost, and lost retirement growth from missed market gains. Compare borrowing vs alternatives. Free and private.

401(k) Rollover Tax Calculator 2026

Calculate the tax cost of rolling over a 401(k) to IRA, Roth IRA, or new employer plan. Direct vs indirect rollover, 20% withholding, conversion tax. Free, private.

457(b) vs 403(b) vs 401(k) Comparison Calculator 2026

Compare governmental 457(b), 403(b), and 401(k) retirement plans for 2026. See $23,500 contribution limits, double-dipping rules, age 50 catch-up, and withdrawal penalty differences.

529 vs Roth IRA for College — Comparison

Compare 529 plan vs Roth IRA for college savings. State tax deduction, $35K rollover, financial aid impact, and 2026 contribution limits. Free decision tool.

ABLE Account 2026 Contribution Calculator

Calculate ABLE Act 2026 contribution limits — $19,000 standard plus working-earner addition. Tax-free growth for disability expenses without SSI loss.

Annuity Laddering Calculator

Build an annuity ladder: stagger 3-7 SPIA or MYGA purchases over multiple years to dollar-cost-average payout rates and capture rising interest rates. Free, instant.

APR vs APY Comparison Calculator

Convert APR to APY and APY to APR with any compounding frequency. See real cost of loans and true yield of savings. Free, private, no sign-up.

Auto Loan Early Payoff Calculator

See how much interest and time you save by paying off your auto loan early. Calculate extra payment impact, lump-sum payoff savings. Free, private, instant.

Bond Tent Calculator

Build a bond tent glidepath: raise bond allocation 5 years before retirement, then lower it 5-10 years into retirement. Defends against sequence-of-returns risk. Free.

Business Auto Loan Calculator

Calculate commercial auto loan monthly payments, total interest, and Section 179 tax savings. Compare bank vs SBA vs dealer financing. Free, private, instant.

CD Laddering Calculator

Build a CD ladder strategy. Calculate yield, liquidity, and rollover schedule for 5-rung CD ladders. Compare laddering vs single-CD vs high-yield savings.

Chubby FIRE Calculator

Calculate Chubby FIRE retirement number — $80k-$120k annual spending tier between Regular FIRE and Fat FIRE. Free, private withdrawal rate model.

Credit Card Cash Back vs Points Calculator

Compare credit card cash back vs travel points value for your spending profile. Free 2026 calculator with point valuations, transfer partners, and net annual return analysis.

Credit Card Payoff Date Calculator

Calculate your exact credit card payoff date, total interest, and how much faster extra payments end the debt. Free, private, instant. APRs hit 22%+ in 2026.

Credit Utilization Calculator

Calculate credit utilization per card and overall. See how to lower utilization to under 30% (or under 10% for top FICO scores). Free, private, and instant.

Debt Payoff vs Invest Decision Calculator

Should you pay off debt or invest extra cash? Compare 10-year outcomes side-by-side with tax-adjusted returns. Free, private, no sign-up.

Debt Snowball Calculator

Calculate your debt snowball plan: payoff order from smallest to largest, debt-free date, total interest saved, and motivation milestones. Free and private.

Deferred Compensation Calculator (NQDC)

Calculate non-qualified deferred compensation (NQDC) tax savings, payout schedule, and net retirement income. Model 409A risk vs benefit. Free and private.

Dividend Yield Calculator

Calculate stock dividend yield, forward yield, trailing yield, and yield on cost. Compare income vs total return, see annual income from your dividend portfolio. Free.

Fat FIRE Calculator

Calculate your Fat FIRE retirement number — early retirement with $100k+ annual spending, healthcare, and lifestyle upgrades. Free, private, instant.

HENRY (High Earner Not Rich Yet) Tracker

Track your HENRY status — high income ($250k+) but low net worth. See savings rate, lifestyle creep score, and path to wealth. Free, private.

High-Yield Savings Yield Calculator

Calculate after-tax APY return on a high-yield savings account. Compare HYSA banks, see daily compounding, monthly contributions, and 5-year projections.

HSA vs 401(k) Comparison Calculator

Compare HSA vs 401(k) for retirement savings. See triple tax advantage of HSA vs traditional 401(k) match. 2026 contribution limits and tax projection.

I-Bond Early Withdrawal Penalty Calculator

Calculate the 3-month interest penalty for redeeming Series I Savings Bonds before 5 years. See net yield after penalty. Free, private.

I Bond Treasury Rate Calculator

Calculate Series I Savings Bond yield with current Treasury composite rate. See fixed rate + inflation rate combined, 6-month resets, and 30-year projection.

I-Bond vs CD Laddering Comparison Calculator

Compare Series I Savings Bonds against a CD ladder for safe-money allocation. See after-tax yield, liquidity, inflation protection, and projected balance. Free and private.

I Bond vs TIPS Comparison Calculator

Compare I Bonds vs TIPS for inflation-protected savings 2026. See real yield, tax treatment, liquidity, and break-even inflation. Free, private, side-by-side calculator.

Inherited 401(k) RMD Calculator

Calculate required minimum distributions on an inherited 401(k) under SECURE Act 10-year rule. Free RMD calculator for non-spouse beneficiaries — 2026 IRS tables.

Inherited Roth IRA 10-Year Rule Calculator

Plan inherited Roth IRA 10-year withdrawal: SECURE Act 2020+ rules, no RMDs years 1-9, full empty year 10. Tax-free growth strategy. Free, instant, private.

IRA Early Withdrawal Penalty Calculator

Calculate IRA early withdrawal penalty (10%) plus federal and state taxes. See exemptions (first home, education, medical, SEPP 72t). Free, private, 2026 rates.

Monte Carlo Retirement Calculator

Run a Monte Carlo simulation of your retirement: 1,000 random return sequences. See success probability, median ending balance, and worst-case scenarios. Free, instant.

NUA Net Unrealized Appreciation Calculator

Compare NUA vs IRA rollover for company stock in your 401(k). Free Net Unrealized Appreciation tax calculator showing federal tax savings, capital gain rates 2026.

Opportunity Cost Calculator

Calculate the long-term opportunity cost of any purchase or expense. See what $5,000 spent today would have grown to in 20-30 years if invested at 7-10% returns. Free.

Owner-Only 401(k) Calculator 2026

Calculate your 2026 Solo 401(k) maximum contribution as a self-employed owner: $23,500 employee deferral + 25% employer profit-sharing, up to $70,000 total. Free.

PSLF Calculator — Public Service Loan Forgiveness

Estimate Public Service Loan Forgiveness (PSLF) eligibility and forgiven balance after 120 qualifying payments. Free 2026 calculator with IDR plan comparison.

QLAC Calculator

Calculate QLAC purchase: defer up to $210,000 of IRA balance from RMDs until age 85. See income at 80/85, tax deferral value, and RMD reduction. Free, SECURE 2.0 limits.

Refinance Car Loan Savings Calculator

Calculate auto loan refinance savings, monthly payment reduction, and lifetime interest savings. See if refinancing your car loan saves money in 2026. Free.

Retirement Glidepath Calculator

Build your retirement glidepath: 110-age, 120-age, target-date fund, or custom equity decline. See annual rebalancing targets and total bond allocation through age 90. Free.

Safe Harbor 401(k) Calculator 2026

Calculate Safe Harbor 401(k) employer contribution cost: basic match, enhanced match, or 3% non-elective. Compare against ADP/ACP testing failure risk. Free, 2026.

Section 179 vs Bonus Depreciation Calculator 2026

Compare Section 179 expensing vs 100% bonus depreciation for 2026 business equipment purchases. See tax savings, year-1 deduction, OBBB rules, and recapture risk. Free and private.

Solo 401(k) vs SEP IRA Calculator

Compare Solo 401(k) vs SEP IRA contribution limits for 2026 self-employed: $70K combined limits, after-tax savings, Roth option, spouse contribution. Free, instant.

Sequence of Returns Risk Calculator

Compare two identical portfolios with the same average return but different return sequences. See why a 2008-style crash in year 1 of retirement is far worse than year 20. Free.

SIMPLE IRA Contribution Calculator 2026

Calculate 2026 SIMPLE IRA contribution limits including employee deferral, employer match, and catch-up for ages 50+ and 60-63 enhanced. Free, IRS-compliant.

Social Security Bridge Calculator

Calculate the bridge fund needed to delay Social Security from age 62 or 67 to 70 for the maximum 32% delayed retirement credit. FIRE strategy savings, free.

Social Security COLA 2027 Calculator

Estimate your 2027 Social Security cost-of-living adjustment (COLA) and new monthly benefit. Based on CPI-W trends and SSA projection methodology. Free, instant.

SPIA Immediate Annuity Calculator

Calculate SPIA (single premium immediate annuity) monthly income from a lump sum. Compare life-only vs period-certain payouts. 2026 interest rate environment.

TIPS Real Return Calculator

Calculate Treasury Inflation-Protected Securities (TIPS) real return, breakeven inflation rate, and projected nominal yield. Compare TIPS vs nominal Treasury bonds. Free.

Treasury Bill vs Savings Bond Comparison Calculator

Compare U.S. Treasury bills against EE/I savings bonds. See after-tax yield, liquidity, holding-period penalties, and which fits your time horizon. Free and private.

Yield Curve Spread Calculator

Calculate Treasury yield curve spreads (2s/10s, 3M/10Y) and detect inversions. See historical recession-warning track record and current spread interpretation. Free.

Rent Burden HUD 30% Rule 2026 Calculator

Calculate free rent burden by HUD 30% rule 2026 — gross income, rent, utilities. Get burden class and affordable max rent. Private, no sign-up.

Day Rate vs Salary Contractor 2026 Calculator

Calculate free contractor day rate vs salary 2026 — target gross, billable days, overhead, profit. Includes self-employment tax. Private, no sign-up.

Late Fee Credit Card State Cap 2026 Calculator

Calculate free credit card late fee under CFPB 2025 $8 cap and state usury caps 2026. APR penalty impact and balance. Private, no sign-up.

I Bond vs TIPS vs Treasury 2026 Inflation Protection Comparison

Compare free 2026 I bond vs TIPS vs Treasury bill returns by amount, holding period, and inflation. Private, no sign-up needed.

CD Ladder vs Bond Ladder Treasury 2026 Comparison Calculator

Compare free CD ladder vs Treasury bond ladder 2026 — after-tax yield, state tax exposure, ladder rungs, FDIC vs federal backing. Private, no sign-up.

FSA Rollover vs Grace Period 2026 Decision Tool

Decide free 2026 FSA rollover vs grace period — calculate $660 max rollover, 2.5-month grace, and use-it-or-lose-it loss. Private, no sign-up.

Inherited House Sell vs Rent 2026 Step-Up Basis Calculator

Compare free 2026 inherited house sell vs rent net outcomes with IRC §1014 step-up basis. Private, no sign-up, runs in your browser.

Social Security Restricted Application 2026 Calculator

Free private Social Security restricted application calculator — check 1954 eligibility, spousal benefit, deemed-filing impact, delayed credits.

PSLF Buyback Calculator 2026

Free private PSLF buyback calculator — estimate cost of buying back missing PSLF months, payments to forgiveness, and net relief vs cost in seconds.

Step Up Basis vs Gift During Life 2026 Calculator

Compare free step-up basis at death vs carryover basis on lifetime gifts. Calculate capital gains tax saved, private, no sign-up needed.

QSBS §1202 Exclusion 2026 Calculator — 100% Gain Exclusion

Calculate free QSBS §1202 2026 gain exclusion — 100% if held 5+ years, $10M or 10× basis cap, C-corp active test. Private, no sign-up needed.

Wash Sale Rule 2026 Calculator — 30-Day Window IRC §1091

Check free wash sale rule 2026 — 30-day window before/after sale, disallowed loss, basis adjustment, holding period tack. Private, no sign-up needed.

401(k) Emergency Savings Sidecar SECURE 2.0 2027 Calculator

Calculate the SECURE 2.0 emergency savings sidecar (PLESA) in 2027: up to $2,500 Roth inside your 401(k) for penalty-free withdrawals. Free, private.

401(k) In-Service Distribution Strategy 2027 Calculator

Calculate 401(k) in-service distribution savings in 2027: move pretax balances to IRA at 59½+ for lower fees and Roth conversion control. Free.

401(k) Student Loan Match SECURE 2.0 2027 Calculator

SECURE 2.0 lets employers match 401(k) on student loan payments. Calculate 2027 match capture from your loan repayments. Free, private.

Coast FIRE vs Fat FIRE vs Lean FIRE 2027 Comparison Calculator

Compare Coast FIRE, Fat FIRE, Lean FIRE, Barista FIRE targets for 2027. Calculate your FI number for each model. Free, private.

Pension Survivor Benefit 100% vs 50% Calculator

Compare pension survivor benefit elections: 100% joint-and-survivor vs 50% vs single-life. Calculate lifetime cost and life insurance break-even.

2027 Retirement Plan Contribution Limits

All 2027 IRS retirement plan limits — 401k, IRA, Roth IRA, HSA, SEP-IRA, Solo 401k, SIMPLE IRA. With catch-up contributions 50+ and 60-63.

Rising Equity Glide Path Retirement 2027 Calculator

The Pfau-Kitces rising equity glide path starts retirement at 30% stocks and rises to 60-70% over 15 years. Reduces sequence risk.

RMD vs Roth Conversion Tax Arbitrage 2027 Calculator

Gap years between retirement and age 73/75 are tax arbitrage gold. Calculate lifetime tax savings from filling lower brackets with conversions.

Roth Conversion ACA Subsidy Cliff 2027 Calculator

Roth conversions can wipe out ACA premium tax credits. Calculate the exact MAGI cliff in 2027 and your safe conversion amount. Free.

Roth Conversion IRMAA Tipping Point 2027 Calculator

Find the exact Roth conversion that triggers a Medicare IRMAA bracket jump in 2027. Avoid wasteful Part B/D surcharges with smart sizing.

Roth vs Pretax 401(k) Marginal Bracket 2027 Calculator

Compare Roth vs pretax 401(k) using your 2027 marginal bracket. See lifetime tax savings, future value, and break-even retirement rate.

SECURE 2.0 Roth Catch-Up 2027 Mandatory Calculator

Calculate mandatory Roth catch-up under SECURE 2.0 for 2027. Earners over $145K must do catch-up as Roth. Quantify tax hit. Free.

SECURE Act RMD Age 73 vs 75 2027 Calculator

Compare RMD age 73 vs 75 under SECURE Act 2.0 in 2027. Calculate first RMD timing, 2-year window of Roth conversion runway, and tax savings. Free, private.

Sequence of Returns Risk Bucket Strategy 2027 Calculator

Three-bucket strategy for retirement: cash (2 yrs), bonds (8 yrs), stocks. Calculate bucket sizes and refill triggers for 2027.

Social Security Bend Points 2027 PIA Calculator

Calculate your Primary Insurance Amount (PIA) using 2027 Social Security bend points. The 90/32/15 formula plus claim age adjustment. Free.

Social Security GPO 2027 Calculator

GPO was repealed by Social Security Fairness Act (Jan 2025). Calculate restored spousal/survivor benefits and lump-sum back payment.

Social Security Spousal vs Own Benefit 2027 Calculator

Compare your own Social Security benefit vs spousal benefit in 2027. Find which is higher and the optimal coordination for couples.

457(b) + 403(b) + 401(k) Triple Tax Defer 2027 Calculator

Calculate triple-deferral 2027 — public sector employees can max 457(b) AND 403(b)/401(k) for $46k+ pre-tax contribution. Massive tax shelter.

529 vs ABLE Account Comparison 2027 (Special Needs Planning)

Compare 529 college savings plans vs ABLE accounts for a special-needs beneficiary in 2027. See contribution limits, SSI/Medicaid impact, qualified expenses. Free.

529 Plan vs Roth IRA for College 2027

Compare 529 plan vs Roth IRA for college savings 2027 — 529 tax-free for education only, Roth IRA flexible withdrawal of contributions, 529-to-Roth transfers allowed.

529 Superfunder 5-Year Election Calculator 2026

Calculate 529 superfunder 5-year election: front-load $95K per beneficiary with no gift tax. Free 2026 college savings tool. Private.

529 vs Coverdell ESA vs UTMA

Compare 529 plan vs Coverdell ESA vs UTMA for college savings. Contribution limits, tax treatment, K-12 eligibility, financial aid impact.

529 vs UTMA Tax Comparison Calculator

Compare 529 plan vs UTMA custodial account for kids: tax treatment, control, FAFSA impact, kiddie tax. Free 2026 family planning tool. Private.

Fixed vs Variable Annuity

Compare fixed-rate annuity vs variable annuity payout. After-tax cashflow, surrender charges, market exposure.

Annuity vs Bond Ladder Comparison

Compare immediate annuity vs Treasury bond ladder for retirement income: payout, liquidity, mortality credit, inflation risk. Free retirement calculator. Private.

Annuity vs CD Ladder

Compare deferred annuity vs CD ladder for fixed-income returns. Liquidity, tax deferral, FDIC vs guaranty.

Asset Allocation Glide Path Target-Date 2027 Calculator

Calculate target-date fund glide path 2027 — stock/bond allocation by age. Vanguard 'to retirement' vs 'through retirement' approach.

Backdoor Roth Pro-Rata 2027

Calculate backdoor Roth pro-rata tax 2027 — IRA aggregation rule, basis recovery. Avoid surprise tax on conversion.

Mega Backdoor Roth Strategy Calculator 2026

Calculate 2026 mega backdoor Roth conversion potential: after-tax 401k contributions, Roth conversion benefit, and 30-year tax-free growth. Free, private, instant.

Backdoor Roth Pro-Rata Rule Calculator

Calculate the surprise tax bill from a backdoor Roth conversion when you have pre-tax IRA money. Pro-rata rule taxes most of your conversion. Free 2026 tool.

Backdoor Roth vs Mega Backdoor Roth 2027

Compare Backdoor Roth IRA ($7k/yr) vs Mega Backdoor Roth ($46k/yr) 2027 — high earners' best Roth strategies for tax-free retirement.

Barista FIRE Calculator

Calculate Barista FIRE number — semi-retire with part-time job covering health insurance and incidentals while portfolio handles rest.

Bond Ladder Treasury Calculator

Calculate Treasury bond ladder income, average yield, and rollover schedule. Free fixed-income laddering tool. Private, browser-only.

Bond Tent Glide Path Calculator

Calculate bond-tent glide path: increase bonds pre-retirement, decrease bonds post-retirement. Sequence-risk protection. Free, private.

Carried Interest Tax Calculator 2026

Calculate carried interest tax under the 3-year holding rule (IRC §1061). LTCG vs short-term, net of NIIT and federal/state. For PE/VC fund partners. Free, instant.

Cash Withdrawal vs 401(k) Loan

Compare emergency cash needs: 401(k) early withdrawal (10% penalty + tax) vs 401(k) loan (5-year repayment) vs HELOC.

CD Laddering Strategy 2027 Calculator

Build a CD ladder 2027 — split principal across 3/6/12/24-month CDs. Rolling maturities give regular liquidity + better avg yield than single short CD.

CD Laddering vs Bullet vs Barbell Strategy Calculator (2027)

Compare CD laddering vs bullet vs barbell strategies for 2027. See blended APY, liquidity, and reinvestment risk for each approach. Free, private CD strategy calculator.

CD vs Money Market Comparison Calculator

Compare CDs vs money market funds: yield, liquidity, early-withdrawal penalty, tax. 2026 rate environment. Free tool. Private.

Charitable Remainder Trust (CRT) Payout Calculator

Calculate CRT (CRAT or CRUT) annual payout, retained interest, charitable remainder, and income tax deduction. Free, private CRT planning tool.

Checking vs Money Market Rate Comparison

Compare checking account vs money market: yield, transaction limits, ATM access. Calculate cash drag. Free 2026 personal finance tool. Private.

Co-Signer Loan Risk Calculator

Calculate co-signer loan risk free. Default probability, credit score hit, full balance liability. Private.

Coast FIRE Calculator

Calculate Coast FIRE number — the savings balance that grows to your FI target without further contribution.

Coast FIRE vs Barista FIRE Comparison Calculator 2027

Compare Coast FIRE (stop saving, let compound) vs Barista FIRE (part-time work + portfolio) — see which lets you quit earlier in 2027.

Coverdell ESA vs 529

Compare Coverdell Education Savings Account ESA vs 529 college plan. Income limits, K-12 use, investment options.

Coverdell ESA vs 529 Comparison Calculator

Compare Coverdell ESA vs 529 plan. \$2K limit, K-12 expenses, investment flexibility. Free education savings comparison.

Debt Snowball Payoff Calculator

Calculate debt snowball payoff order, total interest, and time to debt-free. Smallest balance first method by Dave Ramsey.

Debt Snowball vs Avalanche Comparison

Compare debt snowball vs avalanche payoff methods. Enter 3 debts to see months to debt-free, total interest, and savings difference. Free, private, instant.

Dividend Aristocrats 2027 Yield Calculator

Dividend Aristocrats 2027: S&P 500 companies with 25+ years dividend growth. Average yield 2.5-3.5%, current yield not the metric — growth +... Free.

Dividend Yield Trap Screen 2027 Calculator

Dividend yield trap 2027: stocks yielding 8%+ often signal distress. Screen via payout ratio (>80% danger), debt-to-equity, free cash flow v... Free.

Divorced Spouse Social Security Calculator

Calculate Social Security divorced spouse benefits. 10-year marriage rule, ex-spouse PIA, claiming age impact. Free, private.

Dollar Cost Averaging vs Lump Sum Investing 2027

Compare DCA vs lump sum investing 2027 — historical data shows lump sum wins 67% of the time, but DCA wins emotionally. Both math + behavioral.

DAF vs Charitable Trust

Compare Donor Advised Fund (DAF) vs Charitable Remainder Trust (CRT) — tax deductions, control, income streams.

Donor-Advised Fund vs Direct Giving Calculator

Compare DAF vs direct charitable giving: bunching strategy, tax deduction timing, fund growth. Free 2026 charitable tax tool. Private.

72(t) SEPP Calculator

Calculate 72(t) Substantially Equal Periodic Payments — avoid 10% early withdrawal penalty on IRA before 59.5.

Emergency Fund Target Calculator

Calculate emergency fund target by job stability, dependents, fixed expenses. Free 3-6-12 month savings calculator. Private.

Emergency Fund 6-Month Target Calculator 2027

Calculate emergency fund target for 2027 — 3/6/12 months of essential expenses based on job stability + dependents. HYSA placement, build timeline.

Equipment Loan vs Lease Calculator

Compare equipment loan vs lease — monthly cost, ownership, tax treatment (Section 179), and 5-year total. Free, instant.

Estate Step-Up in Basis Calculator

Calculate step-up in basis for inherited assets: capital gains tax avoided, alternate valuation election, community property double step-up. Private.

Coast FIRE Baseline 2027 Calculator

Free Coast FIRE calculator 2027 — minimum portfolio that compounds to traditional FI by age 65 with zero additional contributions. Year-by-year shortfall tracking.

Coast FIRE vs Fat FIRE vs Lean FIRE 2027 Comparison

Compare Coast FIRE, Fat FIRE, Lean FIRE 2027 numbers based on your spending. Free.

Compound Interest 2028 Projection

Compound interest 2028 — calculate 30-year compound growth projection from 2028 starting principal.

Debt Avalanche 2028 Interest Saved

Debt avalanche 2028 — pay highest APR first. Calculate interest saved vs snowball 2028.

Debt Snowball 2028 Payoff Calculator

Debt snowball 2028 — pay smallest first, roll payments into next. Calculate payoff months from 2028.

Debt Snowball vs Avalanche 2027 Stacking Calculator

Free debt snowball vs avalanche stacking calculator 2027 — payoff month by month, total interest saved, motivational vs mathematical approach.

Emergency Fund 2028 6-Month Target

Emergency fund 2028 — 6 months expenses recommended. Calculate target balance from 2028 spending.

FIRE Coast 2028 Target Calculator

Coast FIRE 2028 — coast number = amount that grows to FIRE target by 65 without further contributions.

FIRE Lean 2028 Target Calculator

Lean FIRE 2028 — frugal retirement target $30-50k/yr spending. Calculate 25x 2028 spending target.

HYSA vs I-Bond vs TIPS 2027 — After-Tax Yield Comparison

Compare High-Yield Savings, I-Bond, and TIPS after federal+state tax 2027. Free, real-rate data.

I-Bond May 2027 Fixed-Rate Decision Calculator

Decide if buying I-Bonds now beats waiting for the May 2027 fixed-rate reset. Free, real Treasury data.

Mega Backdoor Roth 401(k) After-Tax 2027 Conversion Calculator

Calculate Mega Backdoor Roth via 401(k) after-tax 2027. $70k total limit minus pretax + match. Free.

Net Worth 2028 Tracker Snapshot

Net worth 2028 — assets minus liabilities. Calculate net worth snapshot for 2028 financial review.

Retirement 2028 Balance Projection

Retirement 2028 — project portfolio balance at 65 based on 2028 starting balance + contributions.

Roth vs Traditional 2028 Tax Arbitrage

Roth vs traditional 2028 — tax arbitrage based on current vs retirement tax bracket. Calculate optimal split 2028.

Savings Rate 2028 Percentage

Savings rate 2028 — % of after-tax income saved/invested. 25%+ = on track for FIRE. Calculate 2028.

Treasury Bill vs CD 2027 Yield Comparison

Compare T-Bill (state-tax-exempt) vs CD (fully-taxable) after-tax yield 2027. Free.

Coast FIRE Calculator

Coast FIRE calculator: how much you need invested today so it compounds to full retirement by age 65 with zero additional contributions. 4% rule, real returns.

4% Rule vs Trinity Study Update 2027 Calculator

4% rule vs Trinity Study update 2027. Safe withdrawal rate, sequence-of-returns, dynamic models. Free.

HELOC vs Personal Loan Comparison Calculator

Compare HELOC vs personal loan: rate, tax deduction, draw period, secured vs unsecured. Free 2026 borrowing decision tool. Private.

High-Yield Savings vs Money Market Comparison

Compare High-Yield Savings Account (HYSA) vs Money Market Fund: yield, FDIC vs SIPC, state tax, liquidity. Free 2026 tool. Private.

HSA Family vs Self 2027

Compare HSA family vs self-only contribution 2027 — $4,400 self / $8,750 family. Choose based on coverage tier.

HSA Invest vs Spend Trade-Off

Should you invest HSA balance or use it for current medical expenses? Triple-tax-advantage math vs immediate use.

HSA Retirement Stealth IRA Calculator

Calculate HSA as a stealth IRA: receipt-hoarding strategy, tax-free retirement withdrawals, lifetime tax savings. Free, private.

HSA Triple Tax Advantage 2027 Calculator

Calculate HSA triple-tax-advantage value 2027 — pre-tax contributions, tax-free growth, tax-free withdrawals for medical. Best account in tax code.

HSA Triple Tax Advantage Calculator

Project HSA wealth at 30 years with triple tax advantage. Compare HSA to 401(k) and Roth. 2026 limits: $4,300 individual / $8,550 family + $1,000 age 55+ catch-up.

Hurdle Rate Waterfall Distribution Calculator

Calculate PE/VC fund distribution waterfall: return of capital, 8% preferred return, GP catch-up, and 80/20 carry split. Free, instant.

I-Bond Fixed Rate Calculator 2027

Calculate I-Bond composite rate from fixed + inflation rates. Free 2027 Treasury I-Bond yield projection tool. Private.

I-Bond Fixed Rate 2027

Calculate I-Bond purchase value with fixed rate component — $10K annual limit, 30-yr term, inflation-protected savings bonds.

I Bond Purchase Strategy Calculator

Plan I Bond purchases for 2026 — $10K/year limit + $5K tax refund, 30-year tax deferral, education exclusion. Compare to TIPS, CDs, and Treasury bills.

I-Bond vs Treasury Bond 2027 Comparison Calculator

Compare US Series I Savings Bond (fixed + inflation composite) vs Treasury bonds (5y/10y/30y) for 2027. See after-tax yield, liquidity, and inflation protection. Free.

I-Bond vs Treasury Comparison 2026 Calculator

Compare I-bond vs Treasury bill/note 2026: composite rate, inflation protection, liquidity, state tax. Free fixed-income tool. Private.

I Bond Yield Calculator 2026

Calculate your I Bond composite rate, monthly interest, and semi-annual reset using the Nov 2025 fixed rate of 1.30%. Free, private, no signup.

I Bonds via Tax Refund 2027 Calculator

Buy paper I Bonds 2027 via tax refund — $5,000 extra annual cap beyond electronic $10,000. File Form 8888.

I Bonds vs TIPS 2027 Comparison Calculator

Compare I Bonds vs TIPS 2027 — both inflation-protected. I Bonds: $10k/yr cap, simple, tax-deferred. TIPS: no cap, complex, yields vary.

I Bonds vs TIPS vs CD

Compare Series I Bonds, TIPS, and CD ladder for inflation-protected fixed income. Tax treatment, liquidity, redemption.

I-Bond vs TIPS Comparison Calculator

Compare Series I Savings Bonds vs TIPS for inflation-protected returns. Annual purchase limits, liquidity, tax treatment. Free, private.

Inherited 401k vs IRA

Compare inherited 401(k) vs inherited IRA — beneficiary options, RMD rules, 10-year rule. Choose direct rollover wisely.

Inverted Yield Curve Recession Signal 2027 Calculator

Inverted yield curve (10Y-2Y or 10Y-3M) 2027: classic recession signal. Inversion average 13 months before recession start. Re-steepening = ... Free.

Invoice Factoring vs Line of Credit Comparison

Compare invoice factoring (3% advance fee) vs business line of credit APR. See true annualized cost of factoring — often 20–50% APR equivalent.

Lean FIRE Calculator

Calculate Lean FIRE retirement number based on minimum survival spending — geographic arbitrage, low-cost lifestyle, frugal independence.

Lean FIRE 25x Target Calculator 2027

Calculate Lean FIRE number using 25x rule — minimum portfolio for sustainable 4% withdrawal at $25-45k/year lean lifestyle. Compare with Fat FIRE for 2027.

Lifestyle Creep Calculator

Calculate hidden wealth cost of lifestyle inflation: 10-year impact of small recurring expenses. Free spending awareness tool. Private.

Management Fee vs Carried Interest Calculator

Compare PE/VC fund GP economics: 2% management fee vs 20% carried interest. Real fund sizes, hurdle rate impact, and net IRR. Free.

Mega Backdoor Roth After-Tax 401(k)

Calculate mega backdoor Roth contribution capacity 2026 — $70K total limit minus elective deferrals minus employer match.

Mega Backdoor Roth 2027 Eligibility Check Calculator

Mega backdoor Roth 2027 eligibility. After-tax 401(k) + in-plan conversion + in-service distribution. Free.

Mega Backdoor Roth 401(k) After-Tax Calculator

Calculate Mega Backdoor Roth using 401(k) after-tax contributions + in-plan conversion. \$70K total limit 2026. Free, private.

Mega Backdoor Roth After-Tax 401(k) Calculator

Calculate maximum mega backdoor Roth contribution — $70K annual addition limit minus employee + employer contributions. Tax-free Roth wealth via after-tax 401(k).

Mega Backdoor Roth After-Tax 401k 2027

Calculate mega backdoor Roth 2027 — after-tax 401k contributions + in-plan Roth conversion. Up to $46k/yr additional Roth. Plan support required.

Merchant Cash Advance APR Calculator

Calculate true APR of a merchant cash advance (MCA) — factor rate 1.2–1.5x with daily repayment. Compare to traditional small-business loan. Free.

Money Market vs High-Yield Savings Comparison

Compare money market account vs high-yield savings account — APY, FDIC insurance, check-writing, minimum balance. See after-tax return.

Mortgage Payoff vs Invest

Compare paying off mortgage early vs investing the extra payments — break-even analysis based on mortgage rate, investment return, tax.

Mortgage Prepayment vs Invest Calculator

Compare paying down mortgage early vs investing in market: after-tax return, mortgage rate vs expected return. Free financial decision calculator. Private.

Muni Bond Tax Equivalent Yield Calculator

Calculate muni bond tax equivalent yield (TEY) using federal and state tax brackets. See what taxable yield you need to beat a tax-free muni. Free, instant.

Net Worth Tracker

Track personal net worth by assets minus liabilities. Use as monthly/quarterly health check on financial direction.

OBBB Tax Brackets 2026 vs 2025 Comparison Calculator

Compare US federal tax brackets 2026 vs 2025 after the OBBB extension (10/12/22/24/32/35/37). See how the inflation-adjusted 2026 thresholds change your federal tax bill. Free, private.

European vs American PE Distribution Waterfall Comparison

Compare European (whole-fund) vs American (deal-by-deal) PE waterfall structures. GP carry timing, clawback risk, and LP-friendliness. Free.

Pension Buyout Offer Acceptance Calculator

Calculate whether to accept pension buyout offer. Compare lump sum NPV vs monthly pension life expectancy. Free.

Phantom Stock vs RSU Calculator

Compare phantom stock plans (cash-settled appreciation rights) vs RSUs (actual equity). Tax timing, vesting, and after-tax value. Free, instant.

Pre-Tax vs Roth Retirement Calculator

Compare pre-tax vs Roth retirement contributions. Tax bracket now vs retirement. Crossover analysis. Private.

Private Equity Fund IRR Calculator

Calculate PE/VC fund IRR net of management fees and carried interest. MOIC, DPI, gross vs net comparison. For LPs and GPs. Free, instant.

QCD Qualified Charitable Distribution 2027 Calculator

Calculate Qualified Charitable Distribution (QCD) tax saving — direct IRA-to-charity transfer that satisfies RMD without raising AGI, IRMAA, or SS taxation.

Qualified Charitable Distribution (QCD) 2027 Calculator

Calculate Qualified Charitable Distribution (QCD) up to $108,000 in 2027 from your IRA. See RMD offset, MAGI reduction, and Medicare IRMAA impact. Free, private.

QOF Step-Up 2027 Calculator

Qualified Opportunity Fund (QOF) 2027 step-up: 10% basis increase at 5-year hold (now expired for new investments), 10-year hold = forever e... Free.

Retirement Spending Bucket Strategy Calculator (3-Bucket)

Calculate your 3-bucket retirement spending allocation: cash, bonds, and stocks. See depletion timelines and allocation amounts. Free, private, instant.

Revenue-Based Financing (RBF) Calculator

Calculate the true cost of revenue-based financing (RBF). Multiplier-to-APR conversion, payback period, and comparison vs venture debt. Free, instant.

72t SEPP Calculator

Calculate 72(t) SEPP for early IRA withdrawal without 10% penalty. Three IRS-approved methods. Private.

Roth 401k vs Traditional 401k 2026 Comparison Calculator

Compare Roth 401k vs Traditional 401k net after-tax retirement balance using 2026 $23,500 contribution limit. See which wins at your tax brackets. Free.

Roth Conversion Bracket Fill 2026 Calculator

Calculate optimal Roth conversion amount: fill 22%, 24%, 32% bracket. IRMAA awareness. Free 2026 retirement planning tool. Private.

Roth Conversion Ladder FIRE 2027 Calculator

Build a Roth conversion ladder 2027 — convert Traditional IRA/401k to Roth in zero-bracket years, wait 5 years, withdraw penalty-free pre-59½. Key FIRE strategy.

Roth Conversion Ladder Calculator

Plan a Roth conversion ladder for early retirement. Convert Traditional IRA to Roth in low-income years, wait 5 years, withdraw tax + penalty free before 59½.

Roth Conversion + Medicare IRMAA 2027 Tradeoff Calculator

Calculate if a Roth conversion crosses 2027 IRMAA tiers and raises Medicare Part B/D premiums. See the true after-IRMAA cost of converting. Free, private.

Rule of 55 Early Retirement

Calculate Rule of 55 strategy — withdraw 401k without penalty if separated from service in year you turn 55+.

Rule of 72 vs Rule of 69 Comparison Calculator

Compare Rule of 72, Rule of 69.3, and exact continuous compounding doubling time side-by-side. Free, private, instant — no signup required.

Safe Withdrawal Rate By Age Calculator

Calculate safe withdrawal rate from retirement portfolio by age and time horizon. Beyond 4% rule with longevity adjustments. Free, private.

Safe Withdrawal Rate Calculator

Calculate safe withdrawal rate for retirement: 4% rule, Trinity Study, Big ERN guard rails. Free FIRE/retirement calculator. Private.

Safe Withdrawal Rate Trinity Study 2027 Calculator

Calculate sustainable withdrawal rate 2027 using Trinity Study + Big Ern updates — see 4% / 3.5% / 3.25% success rates by allocation + horizon.

Savings Bond Redemption Tax Calculator

Calculate federal tax on Series EE and Series I savings bond redemption: cash method, accrual method, education exclusion. Free 2026 tool. Private.

Savings Rate Target by Age Calculator 2027

Calculate your target savings rate by age — 15-25% from 30s, 20-30% from 40s, 35%+ from 50s. Compare against Fidelity benchmarks for 2027 retirement.

Savings Rate to Retirement Calculator

Calculate years to retirement based on savings rate. 50% savings = 17 years to retire. The single most powerful predictor of FI timeline.

SBA 7(a) vs 504 Loan Comparison

Compare SBA 7(a) and SBA 504 loans — interest rate, down payment, eligible use, fees, and total cost. Free, instant.

SECURE Act 2.0 Employer Match Roth

Calculate SECURE Act 2.0 Roth employer match impact 2026 — option for match contributions to Roth side of 401(k).

SECURE Act 2.0 Roth Match

Compare new Roth 401(k) employer match (SECURE Act 2.0) vs traditional pre-tax. Tax now or later for the employer contribution.

Sequence of Returns Risk Calculator 2027

Calculate sequence-of-returns risk on retirement portfolio 2027 — bad early returns can deplete portfolio years sooner than expected, even with same average return.

Series EE Bonds vs I Bonds 2027

Compare Series EE vs Series I savings bonds 2027 — EE doubles in 20 years (3.53% guaranteed), I tracks inflation. Different use cases.

Series EE Bonds 30-Year Payout

Calculate Series EE bond 30-year guaranteed double payout. Federal tax-deferred, state-tax-exempt, education exclusion.

I Bond Fixed + Variable Rate

Calculate Series I Bond return — fixed + inflation variable rate. Treasury Direct caps, redemption rules, education exclusion.

Single Stock Concentration Risk 2027 Calculator

Single stock concentration risk 2027. RSU/ESOP exposure. Diversification target. Free.

Sinking Fund Calculator

Calculate monthly save needed to hit a future expense — car, wedding, home down payment. Standard zero-based budgeting technique.

Sinking Fund Target 2027 Monthly Calculator

Sinking fund 2027: dedicated savings for future expense. Calculate monthly contribution to hit target by date. Examples: car replacement $25... Free.

Sinking Fund Vacation Planner Calculator 2027

Plan a vacation sinking fund — calculate monthly savings needed to fund a $3-15k vacation by target date. No-debt travel strategy for 2027 trips.

Social Security Claiming Age ROI Calculator

Calculate Social Security claiming-age breakeven: 62 vs 67 vs 70. Show lifetime totals and life-expectancy crossover. Free, private.

US Social Security COLA 2028 Projection Calculator

Project 2028 Social Security COLA (cost-of-living adjustment) based on CPI-W trends. Estimate your monthly benefit after 2028 increase.

Social Security Spousal vs Survivor Benefit

Compare Social Security spousal benefit (up to 50% of higher-earning spouse) vs survivor benefit (up to 100%). Optimal claiming age strategy for couples.

Social Security Tax Torpedo Calculator

Calculate Social Security tax torpedo. 85% of benefits taxable above income thresholds. Free, private.

Solo 401k vs SEP vs SIMPLE 2026

Compare 2026 Solo 401(k), SEP-IRA, SIMPLE IRA contribution limits and tax savings for self-employed.

Stretch IRA SECURE Act 10-Year Rule

Calculate inherited IRA payout under SECURE Act 10-year rule — must fully distribute within 10 years. Compare to old 'stretch' lifetime.

T-Bill Rolling Ladder Calculator

Build a rolling Treasury bill ladder — 4/8/13/26/52-week T-bills with weekly maturity. State-tax-free yield, daily liquidity simulation.

T-Bill vs Money Market Comparison Calculator

Compare Treasury Bills vs Money Market funds on tax-adjusted yield: federal/state tax treatment, expense ratio, liquidity. Free cash management calculator. Private.

Tax Loss vs Gain Harvest Comparison Calculator 2027

Compare tax loss harvesting vs gain harvesting 2027 — offset gains with losses, or realize 0% LTCG below $48,350 single (2027). Wash sale 30-day rule.

Tax-Loss Harvesting Savings Calculator

Calculate annual tax savings from tax-loss harvesting in your taxable brokerage. Quantify the 30%+ wash-sale-compliant tax alpha boost. Free 2026 tool.

TIPS vs I Bonds Comparison Calculator

Compare Treasury Inflation-Protected Securities (TIPS) vs Series I Savings Bonds. Tax, liquidity, yield, purchase limit. Free inflation hedge calculator. Private.

Treasury Bill Ladder Calculator

Build a 4-13-26-52 week Treasury Bill ladder for steady risk-free income. State-tax-free. Calculate yields, rolls, cash flow. Free 2026 tool. Private.

Treasury Bill vs CD Calculator 2026

Compare T-Bill vs CD yields after state tax: T-Bills exempt from state tax, CDs not. Free 2026 fixed income tool. Private.

T-Bill vs Money Market Fund

Compare US Treasury bill yield vs money market fund yield. State-tax exemption, expense ratio, settlement timing.

Treasury Bill vs Money Market Yield 2027 Calculator

Treasury bill vs money market fund yield 2027. State tax exemption. After-tax comparison. Free.

Treasury Bond vs TIP Ladder

Compare nominal Treasury bond ladder vs TIPS ladder — inflation-protected vs nominal yield. When TIPS makes sense.

TreasuryDirect Buy T-Bills 2027 Yield

Calculate T-Bills purchase yield 2027 via TreasuryDirect — 4-, 8-, 13-, 26-, 52-week. State-tax-free + safer than bank CDs.

Treasury Direct Savings Bond Redemption Calculator

Calculate the redemption value of US Series EE and I savings bonds. See accrued interest, early-redemption penalty, and tax-free education exclusion. Free, private.

TreasuryDirect vs Brokered CD 2027 Calculator

TreasuryDirect vs brokered CD 2027: T-Bill/T-Note state-tax-exempt. CD FDIC-insured up to $250K but taxable everywhere. Yields often within ... Free.

Treasury TIPS Real Yield Calculator

Calculate TIPS real yield, nominal return, and inflation-adjusted principal using the composite rate formula. Free, private, instant — no signup needed.

Treasury vs CD Calculator

Compare US Treasury bonds vs CDs free. Tax-equivalent yield. State tax savings on Treasuries. Private.

2028 401(k) Contribution Limit

Calculate your maximum 2028 401(k) employee contribution, catch-up if 50+ or 60-63 super-catch-up, plus employer match. Projected IRS limits.

US 2028 529 Superfund

Calculate 2028 529 plan 5-year superfund election: contribute $95k single ($190k MFJ) lump sum, treat as $19k/$38k over 5 years per recipient.

US 2028 72(t) SEPP

Calculate IRS 72(t) Substantially Equal Periodic Payments — withdraw IRA pre-59½ penalty-free using actuarial formula.

US 2028 Charitable Bunching DAF

Calculate 2028 charitable bunching strategy: bunch 3-5 years donations into DAF + itemize big in 1 year. Standard deduction other years.

US 2028 DAF vs Foundation

Compare 2028 Donor-Advised Fund vs Private Family Foundation. DAF: lower cost + flexibility. Foundation: control + perpetuity + employment.

2028 Defined Benefit Plan Limit

Calculate your 2028 Defined Benefit Plan annual contribution. IRS 415(b) limit $295,000 projected payout cap. Cash balance plan strategy for high-income solo pros.

US 2028 Direct Indexing

Calculate 2028 direct indexing tax alpha. Own individual stocks (not ETF) to harvest losses systematically. Adds 1-2% tax alpha for taxable accounts.

US 2028 Emergency Fund

Calculate 2028 emergency fund target: 3-6 months expenses. Tier: tier 1 (1mo HYSA), tier 2 (3mo HYSA), tier 3 (6mo I-Bonds/short-term).

2028 FSA Contribution Limit

Calculate your 2028 Health FSA ($3,400 projected) and Dependent Care FSA ($5,000 statutory) contributions. Pre-tax savings, use-it-or-lose-it rule applies.

2028 HSA Contribution Limit

Calculate your 2028 HSA contribution: $4,400 self / $8,850 family + $1,000 catch-up if 55+. Pro-rated if mid-year HDHP enrollment. Triple-tax-free.

US 2028 HSA Investment Growth

Project HSA investment growth over 30 years. Triple tax-free (deductible, growth, withdrawals). Treat as Roth IRA equivalent for medical retirement.

US 2028 I-Bond vs TIPS

Compare 2028 US Series I Savings Bonds vs Treasury Inflation-Protected Securities (TIPS). I-Bond: $10k/yr cap + 30-yr cap. TIPS: market trade + tax annually.

US 2028 IRA Aggregation Rule

Calculate 2028 IRA aggregation pro-rata rule impact on backdoor Roth. All IRA balances combined determine tax on conversion.

US 2028 Mega Backdoor Roth

Calculate 2028 mega backdoor Roth: contribute up to $46,500 after-tax to 401(k), convert to Roth. Total $73,500 retirement savings if plan allows.

2028 QCD Limit

Calculate your 2028 Qualified Charitable Distribution from IRA. $110,000 projected per individual. Counts toward RMD without raising AGI. Age 70½+ only.

2028 RMD Age 73/75

Calculate your 2028 Required Minimum Distribution. SECURE 2.0 set RMD age at 73 (born 1951-1959) or 75 (born 1960+). Uniform Lifetime Table divisor included.

US 2028 Roth Conversion Ladder

Plan 2028 Roth conversion ladder for early retirees. Convert IRA to Roth, wait 5 years, withdraw conversion contributions penalty-free.

2028 Roth IRA Contribution Limit

Calculate your 2028 Roth IRA contribution limit with income phase-out by filing status. $7,500 + $1,000 catch-up if 50+. Phase-out 2028 ranges projected.

2028 SEP IRA Limit

Calculate your 2028 SEP IRA contribution as self-employed or small employer. Lesser of 25% net SE earnings or $71,000 projected. Solo 401(k) vs SEP comparison.

2028 SIMPLE IRA Limit

Calculate 2028 SIMPLE IRA: $17,000 employee + $4,000 catch-up if 50+. SECURE 2.0 110% bump for small employers. 2% non-elective or 3% match required.

2028 Solo 401(k) Limit

Calculate your 2028 Solo 401(k): $24,500 employee + 25% employer (S-corp) or 20% (sole prop) up to $73,500 combined. Add $8,000 catch-up at 50+, $11,250 super at 60-63.

US 2028 SPIA vs Bond Ladder

Compare 2028 SPIA (Single Premium Immediate Annuity) vs bond ladder for retirement income. SPIA: lifetime income + mortality credit. Bond: liquidity + heir benefit.

US 2028 Spousal IRA

Calculate 2028 spousal IRA: non-working spouse contributes up to $7,500 ($8,500 if 50+) based on working spouse earned income. MFJ required.

US 2028 Tax-Loss Harvesting

Calculate 2028 tax-loss harvesting savings. Sell losers to offset gains. $3,000/yr against ordinary income. Watch 30-day wash sale rule.

2028 Traditional IRA Deduction

Calculate your 2028 traditional IRA deduction with income phase-out for active 401(k) participants. $7,500 + $1,000 if 50+. Active participant phase-out applies.

US 2028 Treasury Bond Ladder

Build 2028 Treasury bond ladder: 1-5 yr T-bills/notes laddered. Predictable income + reinvestment + capital preservation. ~4-5% yields 2028.

UTMA vs 529 State Comparison

Compare UTMA/UGMA custodial accounts vs 529 college plans — flexibility vs tax advantages, kiddie tax, financial aid impact.

Venture Debt vs Equity Dilution Calculator

Compare venture debt cost vs equity dilution for startup funding. Real warrant coverage, interest, and dilution math for SVB-style deals. Free.

Widow Survivor Social Security Benefit

Calculate survivor Social Security benefit — widow/widower receives 71.5%-100% of deceased spouse's benefit based on claim age.

Windfall Elimination Provision WEP Calculator

Calculate Social Security WEP reduction for those with non-covered pensions (state/local government, foreign). Free, private. 2026 rules.

Yield Curve Recession Indicator

Check yield curve inversion as recession indicator: 10Y/2Y spread, 3M/10Y spread, recession probability based on Fed historical data. Free macro tool. Private.

Bond Yield to Maturity (YTM) Calculator

Calculate bond yield to maturity (YTM), current yield, capital gain. Free bond pricing calculator with coupon + face value. Private.

Zero-Based Budget Monthly Allocation Calculator 2027

Build a zero-based budget — every dollar of income assigned to a category until balance = $0. Dave Ramsey/YNAB method for 2027 monthly money management.