Financial Calculators
Free financial calculators to plan your retirement, grow your investments, pay off debt, size your insurance coverage, and chart your path to financial independence. No accounts, no signup, no data ever leaves your browser.
Guided Planner Journeys
Chain related calculators into a step-by-step plan.
Retirement Path
Plan, fund, and withdraw — the full sequence from your FIRE number to sustainable retirement income.
5 steps →Homebuying Path
From budget to keys to a better rate — size your purchase, price the payment, optimize your down payment, estimate closing costs, evaluate renting vs buying, and lower your rate.
6 steps →Rental Investment Path
Underwrite a financed rental deal end-to-end: size acquisition power, model upfront cash requirements, analyze cap rates, project leveraged cash flow, and stress-test opportunity costs.
6 steps →Financial Foundation
Know what you have, kill high-interest debt, and put the rest to work compounding.
4 steps →Retirement & FIRE Calculators
FIRE Calculator
Plan your path to Financial Independence, Retire Early with standard 25x spending and growth projections.
Calculate NowCoast FIRE Calculator
Find out if your current investments can grow to your retirement target without saving another dollar.
Calculate NowBarista FIRE Calculator
Calculate how part-time or flexible side income reduces your required retirement nest egg.
Calculate NowLean FIRE Calculator
Calculate your financial independence number for a minimalist, lower-cost early retirement.
Calculate NowFat FIRE Calculator
Determine how much you need for an abundant, high-spending early retirement with safety margins.
Calculate NowWithdrawal Rate Explorer
Explore safe withdrawal rates and see how much you can sustainably draw down in retirement.
Calculate Now401(k) Planner
Project your 401(k) balance including employer match and growth over time.
Calculate NowInvestment Calculators
Compound Interest Calculator
See how your savings grow with compound interest, plus the Rule of 72.
Calculate NowROI Calculator
Calculate simple and annualized return on investment (ROI/CAGR) across stocks, real estate, and businesses.
Calculate NowNet Worth Tracker
Track assets and liabilities to monitor your net worth over time.
Calculate NowDebt Calculators
Car Loan Calculator
Calculate monthly car loan payments, trade-in equity, taxes, and payoff acceleration.
Calculate NowDebt Payoff Planner
Build a debt payoff plan using avalanche or snowball strategies.
Calculate NowStudent Loan Payoff Calculator
Plan student loan repayment and see interest saved with extra payments.
Calculate NowTax & Retirement Accounts
Roth IRA Calculator
Project tax-free Roth IRA growth and estimate retirement savings.
Calculate NowRoth Conversion Calculator
Model the tax impact of converting traditional IRA funds to Roth.
Calculate NowHSA Calculator
Project tax-free HSA growth and the triple-tax advantage of health savings.
Calculate NowInsurance Calculators
Life Insurance Needs Calculator
Estimate how much life insurance your family needs for financial protection.
Calculate NowTerm Insurance Needs Calculator
Find the right term life coverage amount for your loved ones.
Calculate NowDisability Insurance Gap Calculator
Calculate the disability coverage gap needed to protect your income.
Calculate NowHome & Mortgage Calculators
Mortgage Calculator
Calculate your monthly mortgage payment (PITI + PMI + HOA) with full amortization schedule.
Calculate NowMortgage Affordability Calculator
See how much home you can afford based on income, debt, and down payment.
Calculate NowDown Payment Calculator
See how your down payment affects loan size, monthly payment, and whether you will pay PMI.
Calculate NowClosing Cost Calculator
Estimate buyer and seller closing costs, title fees, transfer taxes, and cash to close by state.
Calculate NowRent vs Buy Calculator
Compare renting vs. buying a home to find your break-even point and evaluate opportunity costs.
Calculate NowCap Rate Calculator
Calculate rental property cap rates from NOI and purchase price, or reverse-solve for property value.
Calculate NowProperty ROI Calculator
Analyze leveraged rental property deals with cash flows, cash-on-cash return, IRR, and total exit ROI.
Calculate NowRefinance Calculator
Compare your current mortgage to a refinanced loan to find potential savings.
Calculate NowHow to Structure Your Financial Planning Workflow
Financial decisions do not happen in isolation. Use this recommended progression to connect individual calculator models into a comprehensive financial plan.
Begin with the FIRE Calculator to establish your target net worth and baseline timeline. Next, maximize tax-sheltered accounts using the 401(k) Planner, Roth IRA Calculator, and HSA Calculator. Finally, stress-test retirement drawdown durability with the Withdrawal Rate Explorer.
Start with Mortgage Affordability to determine your conservative front-end and back-end DTI borrowing ceiling. Size upfront settlement cash with the Down Payment and Closing Cost calculators, model monthly amortization in the Mortgage Calculator, and compare housing wealth impacts using Rent vs. Buy.
Eliminate high-interest consumer balances with the Debt Payoff Planner (Snowball vs. Avalanche) and optimize student debt with the Student Loan Payoff Calculator. Protect human capital and dependents using the Life Insurance and Disability Insurance Gap models.