Free Financial Calculators
Powered by a comprehensive tax engine covering all 50 states + DC. No login required.
Tax Filing & Income
Tax Refund Estimator
Estimate your federal and state tax refund or amount owed.
Tax Bracket Calculator
Visualize progressive brackets with marginal and effective rates.
Paycheck Calculator
Calculate take-home pay after all federal, state, and FICA taxes.
W-4 Withholding Optimizer
Compute your exact withholding to stop overpaying the IRS.
Bonus Tax Calculator
See the real marginal rate on your bonus — not the flat 22% myth.
Estimated Tax Calculator
Quarterly payments with due dates and safe harbor rules.
Salary to Hourly Converter
Convert salary to hourly rate and back. See monthly, biweekly, and daily pay.
Self-Employed & Business
Retirement
401(k) Contribution Optimizer
Maximize employer match and compare Roth vs Traditional.
RMD Calculator
Required Minimum Distributions with SECURE 2.0 start ages.
Roth Conversion Break-Even
When a Roth conversion pays off, including IRMAA and state taxes.
Backdoor Roth IRA Calculator
Pro-rata rule impact and tax cost of backdoor conversions.
Retirement Income Tax Calculator
Tax on IRA/401(k) withdrawals including the SS tax torpedo.
Social Security Claiming Optimizer
Find the optimal claiming ages for singles and couples with after-tax NPV and the SS torpedo.
Social Security Break-Even
Compare claiming at 62 vs 67 vs 70 with crossover ages.
IRMAA Medicare Surcharge
Medicare Part B & Part D surcharges based on income.
Retirement Savings Calculator
How much do you need to retire? See if you're on track with projections.
Roth vs Traditional Calculator
Side-by-side comparison with break-even tax rate analysis.
Tax Credits & Savings
Child Tax Credit Calculator
CTC with OBBBA $2,200/child, phaseouts, and refundable portion.
EITC Calculator
Earned Income Tax Credit eligibility and amount by filing status.
HSA Tax Savings Calculator
Triple tax advantage: deduction, FICA savings, and tax-free growth.
Charitable Donation Tax Calculator
Real tax savings from donations and the itemization breakpoint.
QCD vs Charitable Giving Calculator
Compare QCD, cash donation, and appreciated stock — with IRMAA and SS impact.
529 Plan Tax Calculator
State tax deduction and projected tax-free growth by state.
Investments & Planning
Capital Gains Tax Calculator
Bracket stacking with NIIT, qualified dividends, and state taxes.
NIIT Calculator (3.8% Surtax)
Net Investment Income Tax threshold and sensitivity analysis.
Tax-Equivalent Yield Calculator
Compare muni bond yield to taxable equivalents at your rate.
Stock Option Tax Calculator
ISO vs NSO tax comparison including AMT and FICA.
AMT Calculator
Alternative Minimum Tax with safe ISO exercise threshold.
Marriage Penalty/Bonus Calculator
Compare MFJ vs two single returns to see the exact impact.
State Tax Comparison
Compare state income taxes side by side — all 50 + DC.
Rental Property Tax Calculator
Depreciation, passive loss allowance, and net tax impact.
Investment Fee Analyzer
See how expense ratios compound over time and erode your returns.
Financial Advisor Fee Calculator
Is your advisor worth 1%? See the true cost and breakeven alpha.
Compound Interest Calculator
See how compound growth turns regular contributions into wealth over time.
Tax Loss Harvesting Calculator
Calculate tax savings from harvesting losses against gains and income.
Debt Payoff
Student Loan Payoff Calculator
Payoff timeline with extra payments and interest savings.
Mortgage Payoff Calculator
Extra payments, biweekly options, and full amortization schedule.
Auto Loan Payoff Calculator
See months saved and interest saved with extra payments.
Credit Card Payoff Calculator
See the true cost of minimum payments and how extra payments save you.
Debt Snowball/Avalanche Calculator
Compare payoff strategies across multiple debts.
Mortgage & Home
Financial Independence
FIRE Calculator
Your FIRE number, years to financial independence, and savings rate impact.
Coast FIRE Calculator
How much you need saved now to coast to retirement on growth alone.
Safe Withdrawal Rate Calculator
Portfolio longevity at different withdrawal rates with depletion analysis.
Net Worth Calculator
Add your assets and liabilities to see where you stand financially.