34 Free Tools.
Zero friction.

Every tool runs instantly, stores nothing, and is engineered for actual financial systems — with dedicated models calibrated for the US, UK, Canada, and international standards.

Available Calculators

Investing

Investment ROI Calculator

Enter your cost and gain — see your annualized return and total profit in seconds.

Finance

Net Worth Calculator

Add up everything you own, subtract everything you owe. See the number that actually matters.

Budgeting

50/30/20 Budget Planner Calculator

Plug in your take-home pay. We'll show you where the 50/30/20 rule says your money should go.

Debt

Debt Payoff Calculator

Enter your balance, rate, and payment — find out exactly when you'll be debt-free.

Savings

Emergency Fund Calculator

Three months or six? Find the target number based on your actual monthly expenses.

Education

Student Loan Calculator

Model your repayment timeline and see the total interest cost before you pick a plan.

Savings

Savings Goal Calculator

Have a target amount and a deadline? We'll calculate exactly how much to set aside each month.

Economics

Inflation Impact Calculator

See how much $10,000 today will actually be worth in 10, 20, or 30 years at current inflation.

Education

Child Education Cost Planner Calculator

College is expensive — and getting more so. Find out how much you need to start saving now.

Tax

Self-Employment Tax Calculator

Freelancers pay both halves of FICA. Find out what you actually owe before quarterly payments hit.

Business

Break-Even Analysis Calculator

How many units until you're profitable? Enter your fixed costs, variable costs, and price to find out.

Business

Business Profit Margin Calculator

Revenue minus costs tells one story. Gross and net margin tell the real one.

Investing

Dividend Income Calculator

Enter your portfolio size and yield — see your projected monthly and annual dividend income.

Economics

Currency Purchasing Power Calculator

A dollar today won't be a dollar in 10 years. See exactly how much it shrinks.

Tax

Freelancer Tax Estimator Calculator

Working across borders? Estimate your self-employment taxes in the US, UK, Canada, or Australia.

Business

Freelancer Hourly Rate Calculator

Stop guessing what to charge. Factor in taxes, unpaid days, and benefits to find your real rate.

Real Estate

HELOC / Refinance Break-Even Calculator

Closing costs up front, savings over time — find out when a refi or HELOC actually pays off.

Retirement

RMD Calculator

Turning 73? Calculate your IRS Required Minimum Distribution so you don't miss the deadline.

Retirement

Inherited IRA RMD Calculator

Calculate your Required Minimum Distribution (RMD) for an inherited IRA under SECURE 2.0.

Retirement

401(k) RMD Calculator

Calculate your 401(k) Required Minimum Distribution. Find out if you qualify for the 'still working' exception.

Retirement

QCD Calculator

Calculate the tax savings of a Qualified Charitable Distribution (QCD) from your IRA.

Retirement

Backdoor Roth IRA Calculator

High earner? Check whether you qualify and estimate the tax hit of a Backdoor Roth conversion.

Retirement

Solo 401(k) Contribution Calculator

Self-employed and want to max your retirement savings? See the exact limits for both roles you play.

Real Estate

Rent vs Buy Calculator

Buying isn't always better. Compare the real 10-year cost of renting versus owning in your market.

Real Estate

VA Home Loan Calculator

Estimate your VA loan payment with the funding fee included — and see what zero-down actually costs.

Retirement

RRSP vs TFSA (Canada) Calculator

Tax-deferred or tax-free — which account wins for your bracket and timeline? Compare them directly.

Retirement

RRSP Calculator (Canada)

Calculate your 2026 CRA tax refund, 18% contribution room limit, and projected RRIF retirement income.

Retirement

TFSA Calculator (Canada)

Track your cumulative lifetime TFSA room ($102k in 2026) and visualize 100% tax-free compounding growth.

Retirement

UK Pension Drawdown Calculator

How long will your pension pot last? Model it against your withdrawal rate and see the runway.

AI Tools

AI Subscription Waste Calculator

Calculate how much you are spending on AI subscriptions and discover overlapping features to save money.

AI Tools

AI API Cost Calculator

Calculate estimated costs for GPT-4, Claude 3, and Gemini APIs based on token usage.

AI Tools

AI Carbon Footprint Calculator

Estimate the environmental impact of your AI usage (energy and water).

Business

Etsy Fee Calculator

Calculate your true profit margin after listing, transaction, and payment processing fees.

Tax

Paycheck Calculator

Calculate your exact 2026 take-home pay after federal, state, Social Security, and Medicare taxes.