All calculators

Get your real monthly mortgage payment including principal, interest, property taxes, and insurance. No hidden costs, no surprises.

See whether renting or buying comes out ahead for your numbers. A symmetric comparison that invests the difference — no thumb on the scale, every assumption editable.

Estimate your closing costs line by line — lender fees, title, and prepaids — from just the price and down payment. Honest about what varies by state.

See whether paying off your student loans or waiting for forgiveness saves you more money. Enter your balance, income, and plan — we run both scenarios side by side.

Compare the avalanche and snowball debt payoff methods with your actual balances and rates. See which saves more money and which gets you debt-free faster.

See exactly when your credit card is paid off at your payment — and whether the minimum would ever get there at all. Months, total interest, honest answers.

Calculate your front-end and back-end debt-to-income ratio the way lenders do. See which band you land in — comfortable, workable, or stretched — and the one payoff that moves it most.

Calculate your true freelance hourly rate. Accounts for taxes, benefits, unpaid time, and business expenses — so you actually know what to charge.

See how much a raise actually adds to your paycheck after federal and state taxes. Enter your salary and raise amount — we do the math.

Convert salary to hourly or hourly to salary — including overtime at 1.5× and the effective rate unpaid salaried overtime really pays you.

Calculate exactly how much you need to retire early. Enter your annual spending and see your FIRE number, timeline, and monthly savings target.

See whether you are on track for retirement, in today's dollars. Projects your savings forward at a real return and compares it against what your planned spending actually requires.

Work out how big your emergency fund should be, how far along you already are, and how long the gap takes to close at your savings rate.

Calculate exactly what you owe in quarterly estimated taxes as a freelancer or self-employed worker. No lead-gen forms, no subscriptions.

Calculate your 2026 self-employment tax — the 15.3% Social Security and Medicare bill on freelance and 1099 income. Includes the wage-base cap, W-2 coordination, and the half you deduct back.

See the federal tax on selling an investment: long-term 0/15/20% brackets computed slice by slice on top of your income, short-term as ordinary income, NIIT included.

See exactly how much the dependent care FSA saves you in taxes based on your income and childcare costs. Takes 60 seconds.

Calculate your actual take-home pay during parental leave, including state paid leave, employer top-up, and short-term disability.

Calculate the real first-year cost of having a baby, including birth, childcare, supplies, and lost income. Based on current national data.

See what childcare costs as a share of your gross income, compared against the most commonly cited 7% affordability benchmark — and what that benchmark actually is.

Calculate how much life insurance you actually need. Replaces a share of your income for the years your family depends on it, adds debts and education, subtracts what you already have.

Project your 529 to college day in today's dollars and see what share of the bill it covers — with an honest, sourced sticker-price target you can edit down for aid.