Financial Calculators

Free mortgage payment calculator. Enter your home price, down payment, rate, and term to instantly see your PITI payment, PMI timeline, total interest, and full amortization schedule.

Free mortgage recast calculator. Enter your balance, lump-sum payment, rate, and remaining term to instantly see your new monthly payment, interest savings, and how quickly the recast fee pays for itself.

Free biweekly mortgage calculator. Enter your balance, rate, and remaining term to see how many years you save and how much interest you keep when you switch from monthly to biweekly payments.

Free extra mortgage payment calculator. Enter your balance, rate, remaining term, and extra monthly amount to see how many years you save and how much interest you avoid paying.

Free ARM vs. fixed mortgage calculator. Enter your loan amount, ARM initial rate, expected adjusted rate, and how long you plan to stay to see which loan costs less and when the ARM stops saving money.

Free refinance break-even calculator. Enter your current loan, new rate, closing costs, and planned stay to find your break-even month and total net savings from refinancing.

Free cash-out refinance calculator. Enter your home value, current balance, cash-out amount, and new rate to see your new payment, LTV, and the true cost of borrowing against your equity.

Free FHA loan calculator with MIP. Enter your home price, down payment, rate, and term to see your full FHA monthly payment, total MIP cost, and whether mortgage insurance cancels after 11 years.

Free VA loan calculator with funding fee. Enter your home price, down payment, and service status to see your full monthly payment, exact funding fee, and monthly savings vs. conventional PMI.

Free jumbo loan affordability calculator. Enter your income, debts, and loan parameters to find the maximum home price at 36% and 43% DTI, and check whether a specific price falls within jumbo lender guidelines.

Free reverse mortgage calculator. Enter your home value, age, and rate to see your 2024 HECM Principal Limit, net proceeds after costs, monthly tenure payment, and a 30-year balance growth projection.

Free HELOC vs. cash-out refi calculator. Enter your loan amount, rates, and terms to see total interest costs, monthly payments, and the exact break-even month for each option.

Free mandatory Roth catch-up calculator (2026). If you earn over $150,000 and are 50+, all catch-up contributions must go to Roth starting Jan 1, 2026. See your extra tax, W-4 adjustment, and long-term Roth vs. pre-tax comparison.

Free 529-to-Roth IRA rollover calculator (SECURE Act 2.0). Check the 15-year rule, 5-year contribution exclusion, and $35,000 lifetime cap. See your rollover schedule, Roth IRA balance at retirement, and the tax cost of withdrawing with a penalty instead.

Free inherited IRA 10-year rule calculator (SECURE Act). Non-eligible designated beneficiaries must empty the account within 10 years. Compare equal, back-loaded, and front-loaded withdrawal strategies to find the lowest-tax schedule based on your income and bracket.

Free super catch-up contribution calculator (2026). SECURE Act 2.0 lets workers aged 60–63 contribute $11,250 in catch-up contributions instead of $8,000 — a $3,250 annual bonus that disappears at age 64. Enter your age and years to retirement to see your window value and mandatory Roth flag.

Free IRMAA appeal calculator (2026). Medicare charges a surcharge based on income from 2 years ago. If you retired, divorced, or lost income since then, you can appeal using Form SSA-44. Enter your current and reduced MAGI to see your tier drop, monthly savings, and whether filing is worth it.

Free Social Security GPO repeal calculator. The Social Security Fairness Act (signed Jan 5, 2025) eliminated the Government Pension Offset retroactively to January 2024. Enter your government pension and SS spousal/survivor benefit to see your monthly increase, back pay, and lifetime gain.

Free QLAC calculator (2026). SECURE 2.0 raised the QLAC limit to $200,000. Enter your IRA balance and QLAC premium to see your annual RMD reduction, estimated monthly payout, and 15-year projection table.

Free Solo 401(k) vs SEP-IRA calculator (2026). At most income levels, a Solo 401k allows $20,000–$30,000 more in contributions than a SEP-IRA. Enter your net self-employment income to see the exact difference.

Free student loan 401(k) match calculator (SECURE 2.0). Starting 2024, employers can match your student loan payments as if they were 401(k) contributions. Enter your salary, loan payments, and match formula to see your annual match and lifetime compounding value.

Free retirement state tax comparison calculator (2026). Compare 12 states including FL, TX, NV, PA, IL, AZ, CO, GA, NC, NY, CA. See state income tax on Social Security, pension, and IRA distributions, estimated property tax, and net income side by side.

Free Social Security taxation calculator (2026). Enter your AGI, SS benefit, and tax-exempt interest to see combined income, tier (0%/50%/85%), taxable SS amount, and marginal rate on SS income. Understand the tax torpedo and how Roth conversions help.

Free backdoor Roth pro-rata rule calculator (2026). Enter your IRA balance, non-deductible basis, and conversion amount to calculate the taxable fraction, Form 8606 denominator, and contamination tax cost. Model the reverse rollover fix.

Free pension lump sum vs monthly payment calculator (2026). See the break-even age, present value comparison, survivor benefit impact, PBGC insurance limit, and year-by-year projection. Model all survivor benefit options and investment return assumptions.

Free 72(t) SEPP calculator (2026). Calculate substantially equal periodic payments using the updated 2022 IRS life expectancy table (T.D. 9930). Amortization, annuitization, and RMD methods — all three in one place with the correct methodology.

Free FERS supplement calculator (2026). Federal employees who retire before 62 may receive a monthly supplement equal to (years/40) × estimated SS at 62. Enter your years of service, High-3 salary, and SS estimate to see your pension, supplement, earnings test impact, and total lifetime value.

Free Social Security break-even age calculator. Compare monthly benefits at 62, FRA, and 70. Break-even ages: 62 vs FRA (~age 78–79); FRA vs 70 (~age 82–83). Enter your PIA and birth year for personalized results.

Free RMD calculator (2026). Enter your Dec 31 prior-year balance and age to get your exact Required Minimum Distribution. Uses IRS Uniform Lifetime Table III. SECURE 2.0: age 73 for born 1951–1959; age 75 for born 1960+. 25% penalty for missed RMDs.

Free Roth vs Traditional 401(k)/IRA calculator (2026). Enter current marginal rate, expected retirement rate, and years investing. Shows after-tax wealth at retirement, break-even retirement tax rate, and year-by-year balance projections. 2025 limits: IRA $7K, 401(k) $23,500.

Free ACA subsidy cliff calculator for self-employed (2026). Enhanced subsidies expired — the 400% FPL cliff is back. Enter your Schedule C income and we solve the circular SE health insurance deduction math that most calculators miss. See your MAGI, PTC, and net premium.

Free PTET election calculator for 2026. The OBBBA raised the SALT cap to $40,400 but added a hidden phase-out for high earners. Enter your entity income, state rate, and SALT picture to see the exact net annual benefit of electing PTET vs. taking the personal deduction.

Free §199A QBI deduction calculator for 2026. The OBBBA raised the phase-out thresholds to $276,300–$326,300 (single) and $554,300–$654,300 (MFJ). Enter your taxable income, QBI, and W-2 wages to see your exact deduction and W-2 limitation.

Free OBBBA W-4 withholding calculator (2026). The One Big Beautiful Bill Act lets workers deduct up to $10,000 in overtime ($20,000 MFJ), all reported tips in tipped occupations, and a $4,000 senior deduction. Without a W-4 update, your employer will over-withhold. Enter your numbers to get your exact Step 4(b) recommendation.

Free tip income tax calculator (2026). The OBBBA exempts tips from federal income tax for workers in customarily tipped occupations. Enter your tip income and wages to see your annual tax savings.

Free overtime tax exemption calculator (2026). The OBBBA exempts overtime premium pay from federal income tax up to $10,000/year (single) or $20,000/year (MFJ). Enter your hourly rate and OT hours to see your tax savings.

Free car loan interest deduction calculator (2026). The OBBBA allows taxpayers to deduct up to $10,000/year in interest paid on new US-assembled vehicle loans. See your annual savings, effective interest rate after tax, and year-by-year schedule.

Free senior standard deduction calculator (2026). The OBBBA adds $4,000 (single) or $8,000 (MFJ both 65+) to the standard deduction for taxpayers 65 and older. Enter your AGI to see your annual tax savings.

Free NIIT calculator (2026). Enter MAGI and net investment income (dividends, capital gains, passive rental) to calculate your Form 8960 surtax. Shows binding constraint, partial vs full exposure, and reduction strategies.

Free Texas homestead exemption calculator (2026). Enter your appraised value, tax rates, and age 65/disability status to see school district exemption, 10% cap savings, school tax freeze benefit, and total annual property tax.

Free California Prop 19 calculator (2026). Enter parent's assessed value, current market value, and child occupancy intent to see new assessed value, annual tax increase, and savings vs full reassessment. 2026 exclusion amount: $1,044,586.

Free S-Corp reasonable compensation calculator (2026). Enter your net business income and owner W-2 salary to see gross FICA savings, net savings after compliance costs, and whether your salary passes the IRS 40% scrutiny threshold.

Free depreciation recapture calculator (2026). Enter purchase price, improvements, years owned, and sale price to see §1250 gain (max 25%), LTCG tax (0/15/20%), NIIT (3.8%), and total federal tax on your rental property sale. Includes 1031 exchange comparison.

Free Florida SOH portability calculator (2026). Enter your prior home's just value and assessed value plus your new home's market value to see the portable SOH benefit, new assessed value, and annual property tax savings. Models both the $500K current cap and proposed unlimited portability (HJR 211).

Free WA Cares Fund calculator (2026). Washington workers pay 0.58% of all wages (no cap) for long-term care insurance. Enter your wages, age, and retirement date to see annual deductions, lifetime contributions, projected benefit at retirement, and break-even analysis.

Free NJ ANCHOR calculator (2026). Homeowners earning up to $250K get $1,000–$1,500/year; renters earning up to $150K get $450/year. Also checks Senior Freeze (PTR) and veteran $250 deduction / full exemption eligibility.

Free NYC mansion tax calculator (2026). Enter purchase price, property type, and financing to see all four NYC transfer taxes: mansion tax (1%–3.9% of full price), NYC RPTT, NYS transfer tax, and mortgage recording tax. Warns when you are near a tier boundary where the tax jumps.

Free Massachusetts millionaires surtax calculator (2026). The Fair Share Amendment adds 4% on MA income over $1M — bringing the combined rate to 9% on ordinary income and 12.5% on short-term capital gains. Models the marriage penalty and separate filing savings.

Free Maryland local income tax calculator (2026). Every Maryland resident pays both state tax and a local county/city tax on the same income. Rates range from 2.25% (Carroll County) to 3.20% (Baltimore City). Compare all 24 jurisdictions and see annual savings by county.

Free capital gains tax calculator (2026). Federal LTCG rates: 0%, 15%, or 20%. NIIT 3.8% applies above $200K single / $250K MFJ. Covers all 50 states + DC. Shows combined effective rate. Model stock sales, real estate, and equity compensation.

Free Section 121 home sale calculator. Exclude up to $250K (single) or $500K (MFJ) of home sale gain tax-free. Computes adjusted basis, total gain, applicable exclusion, depreciation recapture, and taxable gain. Partial exclusion for job change, health, or unforeseen circumstances.

Free AMT calculator (2026). Computes AMTI, exemption phaseout, tentative minimum tax, and AMT owed. 2025 exemptions: $88,100 single / $137,000 MFJ. Models ISO spread AMT, SALT addback, and private activity bond interest. Know your AMT before exercising stock options.

Free Philadelphia wage tax calculator (2026). Residents pay 3.75% on all wages. Non-residents pay 3.44% only on wages earned from days physically in Philadelphia. Enter your salary and work-day split for exact withholding amounts.

Free Hawaii General Excise Tax calculator (2026). Oahu/Maui/Kauai: 4.5% retail; Big Island: 4.25%; wholesale 0.5% statewide. Computes exact GET owed and the correct customer add-on rate (slightly higher than stated rate due to gross-inclusive computation).

Free Colorado TABOR refund calculator. TY2022: $750/$1,500 flat. TY2023: income-tiered $640–$800/$1,280–$1,600. TY2024: $160/$320 flat. Refunds are claimed automatically on your Colorado income tax return (DR 0104).

Free Oregon Metro income tax calculator (2026). Multnomah County residents pay Oregon state + Metro SHS 1% + Multnomah PFA 1.5%–3%. Compare tax burden by county: Portland vs. Beaverton vs. Salem. See how much you save outside Multnomah County.

Free Georgia retirement income tax calculator (2026). SS excluded from GA AGI entirely. Age 65+: $65,000/person exclusion on pensions, IRAs, interest, and dividends. MFJ couples: up to $130,000 combined exclusion. Georgia flat rate 5.39% declining toward 4.99% by 2029.

Free Michigan Homestead Property Tax Credit calculator (Form MI-1040CR). Credit = 60% × (property taxes − 3.5% × Total Household Resources), max $1,600. Fully refundable — get a check even if you owe no Michigan income tax. Renters eligible using 23% of rent as deemed taxes.

Free New York estate tax calculator (2025). Compute NY estate tax with the $7,160,000 exclusion and the infamous NY cliff: estates above $7,518,000 lose all exclusion credit and pay tax on the full estate. Marginal rates 3.06%–16%. No portability between spouses.

Free Massachusetts estate tax calculator (2025). The Oct 2023 reform raised the MA exclusion to $2M — no cliff, no portability. MA estate tax = gross tax − fixed $2M credit. Rates 0.8%–16%. Many estates under the $13.99M federal exclusion still owe MA tax.

Free Washington State capital gains tax calculator (2025). WA imposes a 7% flat excise tax on LTCG above the ~$270,000 standard deduction. Real estate, retirement accounts, timber, and small business gains are exempt. No WA income tax — but stock and business sale gains are taxed.

Free NJ pension exclusion calculator (2025). New Jersey excludes up to $75,000 (single) or $100,000 (MFJ) of pension/IRA/401(k) income — phaseout between $100K–$150K NJ gross income. NJ already excludes Social Security entirely. Rates 1.4%–10.75%.

Free Minnesota Social Security tax calculator (2025). MN taxes SS income but allows a subtraction equal to the federally taxable amount — phased out by $1 per $3 of income above ~$84,880 (single) / ~$110,240 (MFJ). MN rates 5.35%–9.85%. Compute your MN SS tax savings.

Free Illinois property tax credit calculator (2025). The IL credit equals 5% of property taxes paid on your principal residence, applied against the 4.95% flat IL income tax. Non-refundable. IL exempts most retirement income. Compute your IL tax after the credit.

Free small employer 401(k) startup credit calculator (SECURE 2.0). Employers with 1–50 employees can claim 100% of plan startup costs ($5K/yr × 3 yrs) plus a new employer contribution credit of up to $1,000/employee/year for 5 years. See your exact credit schedule.