Paycheck & Taxes

Your real take-home pay, withholding, and what you owe, across every state. Open Paycheck & Taxes →

• Take-Home Pay, Your real paycheck after federal, FICA, state, and local taxes, across all states.
• W-4 Withholding & Refund Check, A refund is an interest-free loan to the government: tune your W-4 to land near zero.
• Hourly ↔ Salary, Convert pay rates with overtime and multiple jobs.
• Federal Income Tax, Marginal and effective breakdown, standard vs itemized.
• Marginal Rate Explorer, What does my next $1,000 of income actually cost?
• Paycheck Optimizer, See how 401(k) and HSA contributions move your take-home.
• AMT Screener, A quick check on whether you might owe the Alternative Minimum Tax.
• Gift Tax Checker, Whether a gift is taxable, or sits under the annual exclusion and lifetime exemption.

Self-Employed & 1099

Self-employment tax, quarterly estimates, freelance rates, and the W-2 vs 1099 call. Open Self-Employed & 1099 →

• Self-Employment Tax, SE tax plus the quarterly estimated payment schedule.
• Quarterly Taxes & Set-Aside, How much of every 1099 payment to keep for taxes, and what to pay each quarter.
• What Should I Charge?, Work backward from the take-home you want to the hourly rate to bill.
• 1099 Contract vs W-2 Salary, Translate a contractor rate into the equivalent employee salary.
• Self-Employed Retirement, How much you can stash tax-advantaged: SEP-IRA vs Solo 401(k).

Investing

Capital gains, cost basis, tax-loss harvesting, growth, and the dollar over time. Open Investing →

• Capital Gains, Short- and long-term gains with a cost-basis helper.
• Cost-Basis Lot Picker, FIFO or specific-ID cost basis for a stock sale.
• Tax-Loss Harvesting, Turn investment losses into a tax saving, deterministically.
• Child Tax Estimator, How a child's investment income is taxed across the three IRC §1(g) bands.
• Compound Growth, Contribution growth at a rate you choose.
• Trump Account (child savings), What a child's §530A account holds at 18, and what of it is taxable.
• Treasury I Bond, What a Series I savings bond earns and is worth.
• CPI Inflation Adjuster, What a past dollar is worth today, from BLS data.

Retirement

Contributions and the match, Roth moves, Social Security, RMDs, and drawdown. Open Retirement →

• Retirement Contribution Optimizer, 401(k), IRA, and HSA against the current IRS limits.
• Roth Conversion Ladder, Schedule penalty-free Roth access with the 5-year rule.
• Backdoor Roth, Backdoor and mega-backdoor Roth math, with the pro-rata rule.
• IRA Deduction Checker, Whether your traditional-IRA contribution is deductible at your income.
• Required Minimum Distribution, Your RMD schedule from the IRS Uniform Lifetime Table.
• Retirement Drawdown & RMD Timeline, How long your savings last, with required distributions.
• Social Security Claiming Age, Compare your benefit at 62, full retirement age, and 70.
• Social Security Taxation, How much of your Social Security benefit is taxable (the IRC §86 0/50/85% rule).
• Downshift Point, When continued saving becomes optional.

Borrowing & Debt

Loans, mortgages, refinancing, payoff order, and a clear debt-free date. Open Borrowing & Debt →

• Debt Freedom Planner, Compare the debt snowball and avalanche, and find your debt-free date.
• Loan & Mortgage Amortization, Full schedule with extra-payment what-ifs.
• Refinance Break-Even, When refinancing pays for itself.
• Auto Loan & True Cost of Credit, APR to nominal rate and the real cost of borrowing.
• Balance Transfer Break-Even, Does moving a balance beat the transfer fee?
• Freedom Date, When your debts are gone, at a payment you choose.

Budgeting & Cash Flow

The 50/30/20 split, your month's cash-flow timeline, and sinking funds. Open Budgeting & Cash Flow →

• 50/30/20 Spending Plan, Split your take-home into needs, wants, and savings.
• Cash-Flow Timeline, Map income and bills across the month to spot tight days.
• Sinking Fund Planner, Save for a goal by a date: your monthly target.

Home & Big Purchases

What home you can afford, rent vs buy, and saving for college. Open Home & Big Purchases →

• Home Buying Readiness, How much house you can afford, all-in, on the 28/36 rule.
• Rent vs Buy, Compare renting and buying over a horizon you choose.
• College Cost Planner, Project college costs and the monthly savings to fund them.

Insurance & Protection

Health plan choice, life and disability cover, umbrella liability, and estate basics. Open Insurance & Protection →

• Health Plan Chooser, Compare two health plans for a year of expected care.
• Medical Bill & EOB Checker, Whether a health claim adds up, and whether federal surprise-billing rules apply.
• Life Insurance Needs, A transparent, needs-based coverage estimate.
• Disability Insurance Needs, The monthly income gap if you couldn't work.
• Umbrella Liability Coverage, Size personal umbrella coverage to your net worth.
• Estate & Beneficiary Checklist, Track the estate basics that protect your family.

Benefits & Aid

Benefits, credits, and aid you may be owed, screened in one place. Open Benefits & Aid →

• What Am I Owed Screener, Enter your situation once; see every program you likely qualify for.
• Federal Poverty Level, Your income as a percentage of the poverty line, the key to most programs.
• Earned Income Tax Credit, EITC from the published phase-in and phase-out.
• Child Tax Credit, Child Tax Credit and the refundable Additional CTC.
• ACA Premium Tax Credit, Marketplace subsidy from the applicable-percentage table.
• Saver's Credit, Eligibility and amount for retirement savers.
• SNAP Eligibility, Gross and net income tests against the poverty line.
• Medicaid Threshold, MAGI thresholds by state, expansion vs non-expansion.
• FAFSA Student Aid Index, Estimate the dependent-student SAI from the federal methodology.
• Pell Grant, Estimate your Pell Grant award from your Student Aid Index.
• Education Credit Comparison, AOTC vs Lifetime Learning Credit — which education credit saves more this year.

Benefit Cliffs

Whether earning more actually leaves you better off, and where the edges are. Open Benefit Cliffs →

• Benefit Cliff Explorer, If you earn more, are you actually better off?
• Marginal Reality Rate, What your next raise really costs, including lost benefits.

When Money Is Tight

What to pay first when you can't pay everything, and what happens to the rest. Open When Money Is Tight →

• Bill Triage, When you can't pay everything, what comes first, and what happens to the rest.
• Life-Event Sequences, Six ordered checklists for the events that rearrange your money, with the clocks that matter.
• Enrollment & Appeal Windows, The federal deadlines that decide whether you keep coverage or a benefit, counted from a date you set.
• Wage Garnishment Limits, The federal ceiling on what a garnishment can take, and why your state may allow less.
• Hospital Financial Assistance, Before you pay a hospital bill, the discount you may be entitled to ask for.
• Do I Have to Pay to File?, The free ways to file your taxes, and which ones you qualify for.

Where You Stand

Your calm overview, your runway and net worth, and a sabbatical you can fund. Open Where You Stand →

• Peace of Mind, Your cushion, runway, net worth, and Enough Number, one calm overview.
• Sabbatical Planner, Can I afford a break, and what does it cost?