Mortgage & Home Calculators
Mortgage & Affordability
Monthly payment with taxes, insurance, and PMI, plus how much house your income supports.
Open →How Much House Can I Afford?
Max price from income, debts, and down payment under lender 28/36 rules.
Open →Rent vs. Buy
Net worth on each path, the break-even year, with all the transaction costs in.
Open →Mortgage Refinance
Monthly savings and the true break-even on closing costs, old loan vs. new.
Open →HELOC & Home Equity
How much you can borrow, interest-only draw costs, and the repayment jump.
Open →Retirement & Investing Calculators
Retirement Savings Planner
Project savings to and through retirement, with drawdown and Monte Carlo modes.
Open →Compound Interest
How a balance and steady contributions grow, and how much is your money vs. the market's.
Open →401(k) & Employer Match
What your contribution rate means at retirement, and the free match you may be missing.
Open →Roth vs. Traditional
Pay tax now or later? Equal-cost comparison with a break-even retirement rate.
Open →FIRE: Years to Independence
Your savings rate sets the date. FIRE number and years to financial independence.
Open →Coast FIRE
The balance today that grows into a full retirement on its own — so you can stop saving.
Open →Where Can I Retire?
Map your portfolio to 59 world cities and see where it already buys you a comfortable retirement.
Open →Social Security Break-Even
Claim at 62, full retirement, or 70? The checks compared and the break-even age.
Open →Net Worth
Add up assets minus debts, see the mix, and track the number that actually matters.
Open →Savings Goal
How long to reach a target, or the monthly amount that gets you there on time.
Open →Required Minimum Distribution
What the IRS makes you withdraw from retirement accounts each year after 73.
Open →Lump Sum vs. Dollar-Cost Averaging
Invest all at once or spread it out? Thousands of simulated markets weigh the odds.
Open →Dividend Income
The income snowball: dividend growth plus reinvestment and yield on cost.
Open →College Savings
529-style projection against rising tuition: coverage and the contribution that funds it.
Open →Debt & Loan Calculators
Debt Payoff
Snowball vs. avalanche: payoff dates, total interest, and the order to attack debts.
Open →Credit Card Minimum Payment
What paying only the minimum really costs in years and interest.
Open →Auto Loan
Payment with sales tax, trade-in, and negative equity, plus what each term costs.
Open →Student Loan Payoff
Standard vs. extra payments vs. income-driven with forgiveness, three roads priced.
Open →Loan Comparison
Three offers ranked by true effective APR so fees and points can't hide.
Open →Tax & Paycheck Calculators
Take-Home Pay
Gross salary to net: 2026 federal brackets, FICA, pre-tax benefits, and state rate.
Open →Bonus Tax
The flat 22% withheld vs. what your bonus actually owes — refund or surprise bill.
Open →Hourly ↔ Salary
Convert wage to salary and back, with take-home and your true rate per hour worked.
Open →Self-Employment Tax
The real 1099 bill: both halves of FICA, the QBI deduction, and quarterly payments.
Open →Capital Gains Tax
Short- vs. long-term tax on a sale, the 0/15/20% brackets, and the NIIT surtax.
Open →Job Offer Comparison
Salary, bonus, match, PTO, and cost of living reduced to one honest number.
Open →Inflation & Purchasing Power
What today's dollars buy tomorrow, and what investing does to the tax on cash.
Open →Everyday Money Calculators
Emergency Fund
How many months you need, how covered you are, and when the fund will be full.
Open →Car Lease vs. Buy
Leasing rents the best years; buying keeps the car. Cumulative cost of each.
Open →Also see the 2026 reference tables and the finance glossary.
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