Personal Finance

Plan for FIRE, optimize taxes, compare renting vs buying, and build your financial plan.

FIRE Number Calculator

Your escape number. Calculate Lean, Standard, and Fat FIRE targets, see how long until you hit them, and explore how extra savings accelerate the timeline.

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Coast FIRE Calculator

What if you’ve already saved enough to retire? (Just... not yet.) Find your Coast FIRE number and see when you can stop saving.

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Savings Goal Calculator

A house, a car, a wedding. Here’s your exact monthly number. Calculate required savings, see contributions vs. interest, and explore what-if scenarios.

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Emergency Fund Calculator

How many months can you survive if everything goes sideways? Calculate your ideal emergency fund based on expenses, employment type, dependents, and industry volatility.

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Take-Home Pay Calculator

You make $85K. Here’s why your paycheck says $4,847. See federal, state, FICA taxes, pre-tax deductions, and your real take-home pay per paycheck.

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Rent vs. Buy Calculator

Buying is only cheaper if you stay 7+ years. Did you do the math? Compare net worth paths, find the breakeven year, and stress-test with different appreciation rates.

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Refinance Break-Even Calculator

Refinancing saves $287/month. But it takes 14 months to pay for itself. Calculate your break-even point, total interest savings, and net cost at any timeline.

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Debt Payoff vs. Invest Calculator

Should you pay off debt or invest the extra cash? Compare both scenarios side by side and see which builds more wealth.

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Advisor Fee vs. DIY Calculator

Your advisor needs to beat the market by 1.2%/year just to earn their fee. See the total cost of advisory fees vs. DIY investing over your time horizon.

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Fee Erosion Calculator

See how expense ratios quietly compound against you. Compare two funds and watch the fee drag diverge over decades.

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RSU & Equity Compensation Tax Calculator

Your employer withheld 22%. Your actual bracket is 35%. Surprise. Calculate the real tax bill on vesting RSUs, see the under-withholding gap, and plan estimated payments.

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Capital Gains Tax Calculator

Estimate federal capital gains tax on stock sales. See short-term vs. long-term rates and how waiting could save you money.

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Tax-Loss Harvesting Calculator

Your losers are finally useful. Calculate how much you can save by harvesting investment losses. See federal + state tax savings and wash sale lockout dates.

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Tax Gain Harvesting Calculator

Calculate how much in long-term capital gains you can realize at 0% tax — and see the future tax savings from resetting your cost basis.

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Rental Property / Cap Rate Calculator

Calculate NOI, cap rate, cash-on-cash return, and monthly cash flow for any rental property. Includes mortgage and expense modeling.

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401(k) Calculator

Project your 401(k) balance at retirement with employer match, SECURE 2.0 super catch-up contributions, and year-by-year growth breakdown.

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Roth IRA Calculator

Project your Roth IRA growth with 2025 contribution limits, catch-up contributions, and a side-by-side Roth vs. Traditional comparison.

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Roth Conversion Calculator

Model partial or full Roth conversions. See the tax bill, opportunity cost, breakeven age, and whether converting makes sense for your situation.

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Roth Conversion Ladder Planner

Plan year-by-year Roth conversions to minimize lifetime taxes — see the optimal conversion schedule from early retirement through RMD age.

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Net Worth Calculator

Add up everything you own and owe to calculate your net worth. Categorized asset and liability tracking with visual breakdown.

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Mortgage Calculator

Calculate monthly payments, total interest, and see a full amortization schedule. Visual donut chart shows principal vs. interest breakdown over the life of the loan.

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Debt Snowball & Avalanche Calculator

Compare snowball vs. avalanche payoff strategies side by side. See total interest paid, months to payoff, and a timeline for becoming debt-free.

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Social Security Estimator

Estimate your Social Security benefit using 2025 PIA bend points. Compare claiming at 62, 67, and 70 with breakeven analysis to find the optimal age.

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Savings Rate Calculator

Calculate your personal savings rate and see how increasing it accelerates your path to financial independence. Includes FIRE timeline projections.

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Estate Tax Calculator

Estimate federal estate tax using 2025 brackets and the $13.61M exemption. Includes TCJA sunset scenario showing the impact of the ~$7M post-2025 exemption.

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Inflation Calculator

See how inflation erodes purchasing power over time. Compare results at different inflation rates with a sensitivity table and purchasing power decline chart.

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Retirement Withdrawal Calculator

Calculate sustainable retirement withdrawals. Compare fixed, percentage-of-portfolio, and guardrails strategies with Monte Carlo success probability.

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Student Loan Calculator

Calculate monthly payments, total interest, and payoff timeline for student loans. Compare standard, graduated, and income-driven repayment plans side by side.

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Cash-on-Cash Return Calculator

Calculate leverage-aware cash-on-cash returns for rental properties. Compare leveraged vs. unleveraged returns with detailed expense breakdown and monthly cash flow.

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Salary to Hourly Converter

Convert between salary, hourly, weekly, biweekly, and monthly pay. See all pay frequencies at once with overtime rate and after-tax estimates.

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Tax Bracket Waterfall Visualizer

See how income fills each federal tax bracket in a visual waterfall chart. Understand marginal vs. effective tax rates with FICA breakdown.

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1031 Exchange Tax Deferral Calculator

Calculate how much tax you defer with a 1031 exchange. See deferred gains, depreciation recapture, boot calculation, minimum replacement property value, and the 45/180-day timeline.

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Self-Employment Tax Calculator

Calculate self-employment tax (FICA), income tax, and quarterly estimated payments for freelancers and gig workers. Compare to equivalent W-2 take-home pay.

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Wash Sale Rule Calculator

Calculate wash sale disallowed losses and adjusted cost basis. See the 61-day window, new holding period, comparison to a clean sale, and tax impact at every bracket.

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BRRRR Strategy Calculator

Model the BRRRR strategy — Buy, Rehab, Rent, Refinance, Repeat. Calculate cash left in deal, cash-on-cash return, equity position, and compare to traditional buy-and-hold.

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Rental Property Depreciation Calculator

Calculate annual depreciation deductions for rental property. Compare straight-line vs cost segregation schedules with estimated tax savings at your marginal rate.

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Crypto Cost Basis Calculator

Calculate crypto cost basis under FIFO, LIFO, and HIFO methods. Compare capital gains/losses and find the optimal method for tax optimization.

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AMT (Alternative Minimum Tax) Estimator

Estimate AMT exposure from ISO exercises. See regular tax vs tentative minimum tax, optimal ISO exercise count, and breakeven analysis.

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Asset Location Optimizer

Optimize which funds go in taxable, traditional IRA, and Roth IRA accounts. Minimize tax drag and maximize after-tax returns with smart asset location.

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Car Affordability Calculator

Find the maximum car price you can afford using the 20/4/10 rule — 20% down, 4-year loan, total costs under 10% of gross income.

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Credit Card Rewards Value Calculator

Compare up to 3 credit cards side by side — see annual rewards, net value after fees, and which card wins for your spending habits.

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Budget Calculator

See how your income stacks up against the 50/30/20 rule with personalized budget recommendations and visual breakdowns.

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Life Insurance Needs Calculator

Calculate your ideal life insurance coverage using both income replacement and needs analysis methods — so agents can’t oversell you.

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Balance Transfer Savings Calculator

See exactly how much a balance transfer will save after fees — plus the minimum monthly payment to pay off before the promo expires.

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RMD & Inherited IRA Calculator

Calculate required minimum distributions for traditional IRAs and inherited IRAs under SECURE 2.0 rules — avoid the 25% penalty.

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S-Corp vs. LLC Tax Comparison

Compare total taxes as a sole proprietor vs. S-Corp — see SE tax savings, payroll costs, and the break-even income level.

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Subscription Audit Calculator

See the true cost of subscription creep — total monthly drain plus what that money could grow to if invested over 5, 10, 20, or 30 years.

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Freelancer Hourly Rate Calculator

Calculate your true required hourly rate after taxes, insurance, retirement, vacation, and non-billable time — and see the equivalent W-2 salary.

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Mortgage Points Break-Even Calculator

Should you buy mortgage points? See the break-even month, total savings over your hold period, and ROI vs. investing the points cost.

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Home Closing Costs Estimator

Get an itemized estimate of your home closing costs by state and loan type — so you know the real cash needed beyond the down payment.

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Side Hustle Profit Calculator

See your real after-tax hourly rate from side hustle income — after SE tax, marginal income tax, expenses, and unpaid time.

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HSA Triple Tax Advantage Calculator

See the power of the HSA triple tax benefit — tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses.

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IRMAA Medicare Surcharge Calculator

Find your IRMAA tier and see how much extra you’ll pay for Medicare Parts B and D — plus the safe MAGI ceiling to avoid the next cliff.

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72(t) SEPP Calculator

Compare all three IRS-approved SEPP methods (amortization, annuitization, RMD) to access retirement funds before 59½ penalty-free.

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Buy vs. Lease Car Calculator

Compare the total cost of buying vs. leasing a car over 3, 5, and 7 years — including equity, cost per mile, and monthly cash flow.

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QBI (Section 199A) Deduction Calculator

Calculate your Section 199A qualified business income deduction — see which limitation applies and the effective tax rate impact.

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Airbnb / STR Profitability Calculator

Calculate short-term rental profitability with seasonal occupancy, platform fees, cleaning costs, and compare to long-term rental income.

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Quarterly Estimated Tax Calculator

Calculate quarterly estimated tax payments using both safe harbor methods — with penalty estimates and due dates for self-employed income.

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Charitable Giving Tax Optimizer

Compare QCD, DAF, bunching, and direct giving strategies — see which method maximizes your tax savings and AGI impact.

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House Hack Cash Flow Calculator

Calculate your net monthly housing cost when house hacking — with FHA/VA financing, rental income offsets, and comparison to renting.

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Pension Lump Sum vs. Annuity Calculator

Compare the NPV of a pension lump sum vs. monthly annuity payments — find the break-even age and see scenarios at different return assumptions.

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Social Security Bridge Strategy Calculator

Model the portfolio bridge strategy for delaying Social Security — see break-even ages and total lifetime income for claiming at 62, 67, or 70.

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Mega Backdoor Roth Calculator

Calculate your maximum after-tax 401(k) contribution for the mega backdoor Roth strategy — see all contribution buckets and projected Roth growth.

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Withdrawal Strategy Comparison

Compare the fixed 4% rule, Guyton-Klinger guardrails, variable percentage, and CAPE-based withdrawal strategies side by side.

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NUA (Net Unrealized Appreciation) Calculator

Compare the NUA tax strategy vs. rolling over company stock — see the tax savings from paying LTCG rates on appreciation instead of ordinary income.

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Foreign Earned Income Exclusion Calculator

Calculate your FEIE exclusion amount, housing deduction, and remaining taxable income — with physical presence test day counting.

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ACA Health Insurance Subsidy Calculator

Estimate your ACA premium subsidy and see the safe MAGI ceiling — plus the marginal cost of $1 more income near the cliff.

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Cost Segregation Estimator

Estimate year-1 tax savings from a cost segregation study — compare accelerated vs. standard depreciation and see the ROI on the study cost.

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DSCR Loan Qualifier Calculator

Calculate your property’s DSCR ratio and see qualification status across lender tiers — plus the maximum loan amount at different ratios.

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Real Estate Syndication Return Calculator

Model LP returns in a real estate syndication — see cash flow, IRR, equity multiple, and GP promote under different waterfall structures.

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College Cost & Loan Repayment Planner

Project total college costs and compare monthly payments under Standard, IBR, PAYE, SAVE, and PSLF repayment plans.

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Lifetime Gift Tax Exemption Tracker

Track your remaining lifetime gift tax exemption, see the 2026 sunset impact, and calculate annual exclusion utilization per recipient.

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Solo 401(k) Contribution Optimizer

Calculate your maximum Solo 401(k) contribution with the circular SE tax deduction — compare limits across entity types.

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Trust Income Tax Estimator

Compare trust-level vs. beneficiary-level taxation — see how distributing income to lower-bracket beneficiaries saves on the compressed trust brackets.

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529 vs. UGMA/UTMA Comparison

Compare 529 and UGMA/UTMA accounts side by side — after-tax value, financial aid impact, flexibility, and the new 529-to-Roth rollover option.

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Debt Consolidation Calculator

Compare keeping multiple debts vs. consolidating into one loan — see total interest savings, payoff timeline, and break-even on origination fees.

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Probate Cost Estimator

Estimate probate fees by state, see which assets skip probate, and compare the cost of probate vs. setting up a revocable trust.

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Crypto Staking Tax Calculator

Calculate taxes on staking rewards — ordinary income when received plus capital gains when sold, with FIFO and specific ID comparison.

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Collectibles Tax Calculator

Calculate the 28% collectibles tax rate on art, gold, wine, and NFTs — and see how much more you pay vs. the standard 15/20% LTCG rate.

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Long-Term Care Cost Estimator

Project long-term care costs by state and care type — compare self-insuring vs. LTC insurance and see how much to set aside today.

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Financial Independence Number Calculator

Calculate your FI number at different withdrawal rates, see when you’ll hit it, and track milestones from 25% to Coast FI to full financial independence.

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Foreign Tax Credit Optimizer

Compare the foreign tax credit vs. deduction, calculate your FTC limitation, and find the optimal account placement for international holdings.

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Cost of Living Comparison

Compare two cities side by side — see the equivalent salary needed, net disposable income difference, and category-by-category cost breakdown.

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