Free personal finance calculators that never send your data anywhere

69 free calculators for take-home pay, federal and state taxes, retirement, mortgages, debt payoff and benefits you may be owed. Computed on your device.

Taxes and take-home pay, self-employment and quarterly estimates, investing and capital gains, retirement and Social Security, mortgages and debt payoff, budgeting, home buying, insurance, benefits and credits you may be owed, and what to do when a month does not close. No account, no ads, no upload.

69 calculators, in 12 areas

• Paycheck & Taxes: Your real take-home pay, withholding, and what you owe, across every state.
• Self-Employed & 1099: Self-employment tax, quarterly estimates, freelance rates, and the W-2 vs 1099 call.
• Investing: Capital gains, cost basis, tax-loss harvesting, growth, and the dollar over time.
• Retirement: Contributions and the match, Roth moves, Social Security, RMDs, and drawdown.
• Borrowing & Debt: Loans, mortgages, refinancing, payoff order, and a clear debt-free date.
• Budgeting & Cash Flow: The 50/30/20 split, your month's cash-flow timeline, and sinking funds.
• Home & Big Purchases: What home you can afford, rent vs buy, and saving for college.
• Insurance & Protection: Health plan choice, life and disability cover, umbrella liability, and estate basics.
• Benefits & Aid: Benefits, credits, and aid you may be owed, screened in one place.
• Benefit Cliffs: Whether earning more actually leaves you better off, and where the edges are.
• When Money Is Tight: What to pay first when you can't pay everything, and what happens to the rest.
• Where You Stand: Your calm overview, your runway and net worth, and a sabbatical you can fund.

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