Free Financial Calculators (2026)
Fast, free calculators for retirement accounts, mortgages, taxes, payroll, and student loans. Every calculator is built with the current 2026 IRS and federal limits — no sign-up, no ads covering the tool, just answers.
Popular calculators
Retirement
401(k) Catch-Up Contribution Calculator
If you are 50 or older, the IRS lets you save extra in your 401(k) beyond the regular limit. This calculator shows your 2026 limits and how much room you still have for the year.
Roth IRA Conversion Tax Calculator
Converting a traditional IRA to a Roth means paying income tax on the amount converted today, in exchange for tax-free withdrawals later. This calculator estimates the federal tax cost of your conversion using the 2026 tax brackets.
Solo 401(k) Contribution Calculator
A solo 401(k) lets self-employed people contribute as both employee and employer — often saving far more than a SEP IRA. This calculator finds your 2026 maximum based on your net profit.
IRA Contribution Limit Calculator
The 2026 IRA limit is $7,500 ($8,600 at 50+), but your income can reduce or eliminate Roth IRA eligibility. This calculator checks both the limit and the phase-out ranges.
Required Minimum Distribution Calculator
Once you turn 73, the IRS requires a minimum annual withdrawal from pre-tax retirement accounts. This calculator finds your RMD using the IRS Uniform Lifetime Table.
Retirement Withdrawal Calculator
The central retirement question: how much can you safely take out each year? This calculator shows how long your savings last at your withdrawal rate — and how the classic 4% rule holds up.
Roth vs Traditional 401(k) Calculator
The only real difference between a Roth and traditional 401(k) is when you pay tax: now (Roth) or in retirement (traditional). This calculator compares the after-tax outcome at your tax rates.
401(k) Employer Match Calculator
Your employer match is free money — the most valuable return you will ever get. This calculator shows what your company adds at your current contribution rate and what you leave unclaimed if you contribute too little.
Roth IRA vs Traditional IRA Calculator
Both IRAs hold the same $7,500 (2026) limit — the difference is when you pay tax. This calculator compares the after-tax outcome at your current and future tax rates.
IRA Deduction Phase-Out Calculator
Your traditional IRA contribution is only fully deductible below certain income levels. This calculator applies the 2026 phase-out ranges to show exactly what you can deduct.
401(k) Loan Calculator
Borrowing from your 401(k) is cheap and doesn't hit your credit — but it pauses the growth of that money. This calculator shows the payment and what the loan really costs.
Social Security Break-Even Age Calculator
Claim Social Security early and you collect longer but smaller. Claim late and you wait, then collect more. This calculator finds the age where the two paths cross — your break-even point.
Retirement Number Calculator (4% Rule)
The classic retirement question is 'how much do I need?' The 4% rule turns it into a simple number: about 25 times your annual spending. This calculator shows yours and how far your savings are from it.
Roth IRA Eligibility Calculator (2026)
Roth IRA contributions phase out at higher incomes — and the 2026 thresholds changed. Enter your MAGI and filing status to see exactly how much you can contribute.
Social Security Benefit Calculator
How much will Social Security pay you? Enter your current salary and the age you plan to claim to estimate your monthly benefit using the official 2026 formula.
401(k) Calculator
What will your 401(k) be worth when you retire? Enter your current balance, monthly contribution, employer match, and expected return to see the projected balance — and what the match alone is worth.
Early Retirement Withdrawal Calculator
Withdrawing from a retirement account before 59½ means income tax plus a 10% penalty. This calculator shows the true cost — and how much of your money survives.
Annuity Payout Calculator
How much monthly income can a lump sum buy? This calculator shows what an immediate annuity would pay for any amount, rate, and term.
Social Security Spousal Benefit Calculator
A spouse can claim up to half of a worker's Social Security benefit. Enter the worker's primary insurance amount (PIA) and the claiming age to see the spousal benefit.
Backdoor Roth IRA Calculator (2026)
High earners can't contribute to a Roth IRA directly — but they can contribute to a traditional IRA after tax and immediately convert it. This calculator checks your eligibility and estimates the tax cost, including the pro-rata rule if you have pre-tax IRA money.
Taxes
Capital Gains Tax on Home Sale Calculator
If you have lived in your home for at least two of the past five years, up to $250,000 (single) or $500,000 (married) of profit is tax-free. This calculator estimates what you owe above that exclusion.
Federal Income Tax Calculator
Enter your taxable income and filing status to see your 2026 federal tax, effective rate, and the marginal bracket your next dollar falls into.
Capital Gains Tax on Stocks Calculator
Selling investments triggers capital gains tax — at ordinary rates if you held less than a year, or at the preferential 0%/15%/20% long-term rates. This calculator estimates what you owe.
Student Loan Interest Deduction Calculator
You can deduct up to $2,500 of student loan interest — but the deduction phases out at higher incomes. This calculator shows your deductible amount and the tax you save.
Federal Withholding Calculator
Your W-4 determines how much tax is taken from each paycheck. This estimator shows your expected annual federal tax and whether your current withholding will end in a refund or a bill.
Tax Refund Estimator
Refund or tax bill? Enter your taxable income, credits, and what has already been withheld to see where you will land on April 15.
Estimated Quarterly Tax Calculator
Self-employed workers pay tax quarterly instead of through a paycheck. This calculator estimates your four payments from your net profit and other income.
Child Tax Credit Calculator
The 2026 Child Tax Credit is $2,200 per qualifying child, up to $1,700 of it refundable. This calculator estimates your credit and how much of it you actually get.
Bonus Tax Calculator
Bonuses are taxed at your marginal rate — not a flat rate. This calculator shows how much of your bonus survives income tax and payroll tax.
Self-Employment Tax Calculator
Self-employed? You pay both the employee and employer share of Social Security and Medicare. This calculator shows your 15.3% self-employment tax and the half that's deductible on your income tax.
Standard vs Itemized Deduction Calculator
Every filer gets the standard deduction — but if your itemized deductions are higher, itemizing cuts your tax. Enter your deductible expenses to see which path wins for 2026.
Dividend Tax Calculator
Dividends are taxed at two different rates depending on whether they are qualified. This calculator splits your dividends and applies the 2026 rates to each bucket.
Capital Loss Carryover Calculator
Sold investments at a loss? You can deduct up to $3,000 of net capital loss against ordinary income each year — and carry the rest forward indefinitely. This calculator shows your timeline.
Social Security Tax Calculator
Up to 85% of your Social Security benefit can be taxable — or none of it, depending on your other income. This calculator works out your provisional income and the exact taxable portion for 2026.
Mileage Deduction Calculator
Self-employed? Track your business miles and deduct them at the IRS standard rate. This calculator applies the 2026 rate to any mileage — instantly.
Home Office Deduction Calculator
Work from home? The simplified home office deduction gives you $5 per square foot of dedicated space — up to $1,500 a year. See what yours is worth.
Gift Tax Calculator
Giving money to family? The first $19,000 per person per year is tax-free, and gifts beyond that rarely owe tax. See what is reportable and how much lifetime exemption remains.
Saver's Credit Calculator (2026)
The Saver's Credit rewards low- and middle-income savers with a tax credit of 10% to 50% of their retirement contributions. This calculator uses the 2026 income limits to show what your credit is worth.
Child and Dependent Care Credit Calculator (2026)
The Child and Dependent Care Credit offsets part of what you pay for care so you can work. The One Big Beautiful Bill raised the 2026 top rate to 50% and widened the 35% band — this calculator applies the new rules to your situation.
Medical Expense Deduction Calculator (2026)
Unreimbursed medical expenses are deductible only above 7.5% of your adjusted gross income — and only if you itemize. This calculator shows your floor, your deductible amount, and whether it beats the standard deduction.
Mortgage & Real Estate
Mortgage Discount Points Calculator
Paying discount points lowers your mortgage rate — but the upfront cost only pays off if you keep the loan long enough. This calculator shows your break-even point in months and years.
Biweekly Mortgage Payment Calculator
Paying half your mortgage every two weeks adds up to one extra full payment a year — cutting years off your loan and thousands in interest. This calculator shows the exact difference.
Mortgage Prepayment Penalty Calculator
Some mortgages charge a penalty if you pay off or refinance early. This calculator estimates the cost using the two most common formulas: a percentage of the balance or a set number of months of interest.
15-Year vs 30-Year Mortgage Calculator
A 15-year mortgage costs more per month but saves tens of thousands in interest. This calculator lays out the exact trade-off for your loan amount and rates.
Property Tax Calculator
Property tax is typically the second-biggest homeownership cost after the mortgage. This calculator estimates your annual and monthly tax from your home's value and your local rate.
How Much House Can I Afford Calculator
Lenders want your housing costs under 28% of gross income and total debts under 36%. This calculator uses those rules plus your down payment and rate to find your realistic home price.
Mortgage Extra Payment Calculator
A modest extra payment every month can shave years off your mortgage and save tens of thousands in interest. This calculator shows the exact numbers for your loan.
Rent Affordability Calculator
Landlords typically want rent at or below 30% of your gross income. This calculator applies that rule plus the 36% total-debt guideline to your real numbers.
Debt-to-Income Ratio Calculator
Your debt-to-income (DTI) ratio is the single biggest number lenders check when you apply for a mortgage. This calculator works out your front-end and back-end ratios and grades them against lender benchmarks.
Closing Costs Calculator
Closing costs are the fees you pay to finalize a home purchase — usually 2–5% of the price, on top of your down payment. This calculator estimates your total and shows a typical breakdown.
Rent vs Buy Calculator
The rent-versus-buy decision is a wealth comparison, not just a monthly payment comparison. This calculator models both paths over your planned time horizon and shows which leaves you with more money.
Mortgage Payment Calculator
Your real mortgage payment is PITI — principal, interest, taxes, and insurance — not just the loan payment the bank advertises. This calculator shows the complete monthly cost for any loan.
HELOC Payment Calculator
A home equity line of credit usually charges interest-only payments during the draw period — which hides how much the debt really costs. This calculator shows the true monthly bill.
Mortgage Refinance Calculator
Should you refinance? Enter your current balance, rate, and remaining term plus the new rate, term, and closing fees to see the monthly savings, interest saved, and break-even point.
PMI Calculator
Putting less than 20% down means paying private mortgage insurance. This calculator estimates your monthly PMI, when it drops off, and the total cost over its life.
Down Payment Calculator
Figure out your down payment target and exactly how long it will take to get there. Enter the home price, your savings rate, and what you have already set aside.
FHA Loan Calculator
FHA loans let you buy with as little as 3.5% down — but every one carries mortgage insurance for the life of the loan. See the real monthly payment, MIP included.
Home Equity Loan Calculator
A home equity loan is a fixed-rate second mortgage: one lump sum, a fixed payment, and a set payoff date. Enter the amount, rate, and term to see what it costs.
Rental Property Calculator
Is that duplex a good investment? Enter the price, rent, and costs to see the monthly cash flow, cap rate, and cash-on-cash return — the three numbers investors live by.
Mortgage Payoff vs Invest Calculator
The classic money debate: pay down your mortgage or invest the difference? This calculator models both strategies over the life of the loan and finds the investment return you would need to beat paying extra principal.
Savings & Investing
HSA Tax Savings Calculator
A Health Savings Account is the only account with a triple tax advantage: contributions are pre-tax, growth is tax-free, and qualified withdrawals are tax-free. This calculator shows your 2026 limit and the taxes you save by contributing.
Compound Interest Calculator
Small monthly contributions grow surprisingly fast when returns compound over decades. This calculator shows your future balance, how much you contributed, and how much of it is pure interest.
Savings Goal Calculator
Whether it is a down payment, a car, or a college fund, this calculator works backward: given your target, timeline, and expected return, it tells you exactly how much to save each month.
Emergency Fund Calculator
Financial planners recommend 3–6 months of expenses in cash. This calculator sets your target, shows how much you already have covered, and how long it takes to close the gap.
Inflation Calculator
Inflation quietly erodes purchasing power every year. This calculator shows how much money you will need in the future to buy what a given amount buys today.
529 College Savings Calculator
A 529 plan grows tax-free for education, but only if you contribute enough. This calculator projects your balance by the time college starts and compares it to estimated costs.
CD Interest Calculator
Certificates of deposit lock in a fixed rate for a fixed term. This calculator shows your total interest and what the CD is worth at maturity.
Lump Sum vs Monthly Payments Calculator
Lottery winnings, pensions, and structured settlements all pose the same question: take the money now, or spread it over time? This calculator compares the two using present value.
Net Worth Calculator
Net worth is the single number that summarizes your finances: everything you own minus everything you owe. This calculator adds it up in under a minute.
ESPP Calculator
An employee stock purchase plan lets you buy company stock at a discount — often 15% below market, sometimes with a lookback to the lower price. This calculator shows the deal in dollars.
Simple Interest Calculator
Simple interest is charged or earned only on the original principal — no interest on interest. Use this calculator for short-term loans, car notes, and bonds, and see how much less it pays than compounding.
Savings Rate Calculator
Your savings rate — the share of income you keep — is the strongest lever in personal finance. This calculator shows yours and how long it takes to reach financial independence at that pace.
DRIP Calculator (Dividend Reinvestment)
Reinvesting dividends is how income stocks turn into growth machines. This calculator models a dividend reinvestment plan — contributions, compounding, and the dividend income stream it produces.
Rule of 72 Calculator
The rule of 72 is the fastest mental math in finance: divide 72 by your annual return and you get the years to double. This calculator shows the shortcut and the exact math.
APR to APY Calculator
APR understates what you earn; APY is the real number. This calculator converts any nominal rate into the effective annual yield for your compounding frequency.
Budget Calculator (50/30/20 Rule)
The 50/30/20 rule is the simplest way to budget: half your take-home pay for needs, 30% for wants, and 20% for savings and debt repayment. Enter your monthly income and minimum debt payments to see your split.
Life Insurance Needs Calculator
How much life insurance is enough? The 10×-income rule is the starting point — this calculator adds your debts and final expenses, subtracts existing coverage, and gives a number.
Investment Return Calculator (CAGR)
What did an investment really earn per year? This calculator converts a starting balance, ending balance, and number of years into a total return and an annualized compound growth rate (CAGR).
Dollar-Cost Averaging Calculator
You have money to invest — all at once, or spread out monthly? This calculator compares a lump sum against dollar-cost averaging the same total over the same period.
Real Return Calculator (Inflation-Adjusted)
A 7% statement return means less than it looks like when inflation eats 3% of it. This calculator shows your real return and what a future balance is worth in today's dollars.
Payroll & Loans
Nanny Payroll Tax Calculator
Hiring a household employee like a nanny comes with payroll taxes many families forget. This calculator shows the employee's FICA taxes, your matching employer share, FUTA, and the true annual cost of paying your nanny on the books.
PAYE Student Loan Payment Calculator
Pay As You Earn (PAYE) caps your federal student loan payment at 10% of your discretionary income — what you earn above 150% of the federal poverty line. This calculator estimates your monthly payment and forgiveness timeline.
Debt Payoff Calculator
Adding a little extra to your monthly payment cuts years off your debt and saves hundreds in interest. This calculator shows the exact payoff date and interest saved.
Take-Home Pay Calculator
Your salary and your paycheck are different numbers. This estimator shows what actually lands in your bank account after federal income tax, Social Security, Medicare, state tax, and your 401(k) contribution.
Overtime Pay Calculator
Non-exempt workers earn time and a half — 1.5x their hourly rate — for every hour over 40 in a week. This calculator shows your weekly, biweekly, and annual pay with overtime.
Annual Salary to Hourly Calculator
Salaries and hourly wages are the same money expressed differently. This calculator converts your annual salary into hourly, weekly, and monthly figures — useful for comparing job offers.
Credit Card Payoff Calculator
Minimum payments on a credit card can stretch a balance out for years. This calculator shows your payoff timeline and how much interest you save by paying more each month.
Car Loan Payment Calculator
Before you sign, know the real number: your monthly car payment, how much interest you will pay, and what the loan really costs. Enter your loan amount, APR, and term.
Personal Loan Payment Calculator
Personal loans are fixed-rate and fully amortized — your payment never changes. This calculator shows the monthly cost, the total interest, and what the loan really costs over its full term.
Hourly to Salary Calculator
Wondering what your hourly rate really adds up to in a year? This calculator converts an hourly wage into weekly, biweekly, monthly, and annual income based on your hours per week and weeks worked per year.
Pay Raise Calculator
A 3% raise sounds small and a 10% raise sounds big — this calculator shows what either means in dollars per year, per month, and per paycheck, so you can evaluate any offer or negotiation.
Auto Loan Refinance Calculator
Refinancing a car loan can cut your payment or your interest — but fees and a longer term can erase the benefit. This calculator compares your current loan against a new rate and term and shows the break-even point.
Car Affordability Calculator
Dealers ask what monthly payment you want; the smarter question is what your income supports. This calculator works backwards from your budget to a max car price.
Student Loan Refinance Calculator
Refinancing federal or private student loans can cut your rate — but it can also cost you federal protections. This calculator compares the payment and interest math so you can decide with numbers.
Loan Amortization Calculator
See every payment of your loan — how much goes to interest, how much to principal, and what is left on the balance — plus what a small extra payment each month saves you in interest and time.
Student Loan Payment Calculator
The default federal student loan plan spreads your balance over 10 years at a fixed rate. This calculator shows the monthly payment and total interest for any balance, rate, and term.
Debt Snowball vs Avalanche Calculator
Which debt payoff method is right for you? Enter up to three debts and your extra monthly payment to see exactly how the snowball and avalanche compare.
Lease vs Buy Car Calculator
Lease or buy? Enter the car price, down payment, APR, and term to compare the real cost of each — including what you own at the end.
Debt Consolidation Calculator
Consolidating credit cards and loans into one payment only helps if the new rate beats your weighted average. This calculator compares the consolidated loan against your current minimum payments.
Freelance Rate Calculator
Converting a salary expectation into a freelance hourly rate is more than dividing by hours — self-employment tax, expenses, and unpaid time all take a cut. This calculator works backward from the income you want.
Guides
401(k) Contribution Limits 2026: Full Guide
Every 2026 number you need — elective deferrals, catch-ups, and the $72,000 total cap — with links to the calculators.
Are Mortgage Points Worth It?
Break-even math, how long you plan to keep the loan, and when buying points actually pays off.
Debt Snowball vs. Avalanche
Smallest balance first for momentum, or highest rate first for the least interest — pick the payoff order you can stick with.
Compound Interest Explained
How compounding works, the Rule of 72, and why starting early beats investing more later.
2026 Tax Brackets & Standard Deduction
Every 2026 bracket for single and joint filers, the $16,100/$32,200 standard deduction, and marginal vs effective rates.
Self-Employment Tax 2026
The 15.3% rate, the $184,500 wage base, the 50% deduction, and the quarterly estimated-tax deadlines that keep you out of penalty.
Tax Deductions 2026: The Complete List
The standard deduction, retirement and HSA contributions, student loan interest, mortgage interest — and the exact 2026 limits on each.
Estimated Tax Deadlines 2026
April 15, June 15, September 15, and January 15 — plus the safe-harbor rules that decide whether you owe an underpayment penalty.
Back-to-School Budgeting 2026
The September money plan: what a semester really costs, the 2026–27 federal loan limits, the new Parent PLUS cap, and the October 1 FAFSA date.
Year-End Tax Planning 2026
The December checklist: max the 401(k), harvest losses, convert to Roth, give smartly — and what can wait until April 15.
Roth IRA Conversion Tax 2026
The marginal-rate math with the new 2026 brackets, the pro-rata and 5-year rules, hidden costs like IRMAA — and when converting actually pays off.
Savings Rate: The Path to FI
How to calculate your savings rate, what a good rate looks like, and why it is the biggest lever between you and financial independence.
Why use these calculators?
Each tool focuses on one specific question — how much you can still contribute to a 401(k), what a Roth conversion really costs, whether mortgage points are worth it, what a nanny actually costs on the books. The figures are kept current with each tax year, and the math is transparent: enter your numbers and the result appears instantly.
New calculators are added regularly as the tax rules change. If a calculation you need is missing, check back soon — coverage grows every release.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions.