Personal Finance Calculators

Compare two Social Security claiming ages by month. Use worker benefit factors or your own SSA estimates to find cumulative payouts, present value and the break-even age.

Estimate hybrid heat pump water heater payback against an electric or gas tank using UEF, water demand, utility rates, installation costs, and rebates.

Compare buying term and investing the premium difference with whole-life guaranteed and illustrated cash value and death-benefit timing.

Compare leaving now and repaying employer tuition assistance with staying through the service commitment using salary, bonuses, vesting, and taxes.

Compare two to five options using weighted costs, measurable factors, and qualitative ratings. See the winner, decision drivers, and sensitivity thresholds.

Compare accelerating an auto loan with investing the same extra cash, while separately modeling vehicle depreciation and underwater periods.

Should you make extra mortgage payments or invest that money instead? Compare guaranteed interest savings vs potential investment returns with comprehensive tax analysis.

Compare the financial implications of W2 employment versus 1099 contractor work. Analyze take-home pay, tax obligations, benefits costs, and total compensation.

Compare the true costs of daycare versus hiring a nanny. Includes tax benefits (DCFSA & CDCC), commute time, mileage costs, and productivity impacts.

Compare refinancing your mortgage versus investing the closing costs. Calculate payback periods, NPV analysis, and see which option maximizes your wealth over time.

Compare Buy Now Pay Later (BNPL), credit card payments, and saving to buy. Analyze true costs with NPV, fees, interest rates, and timing to make the best financial decision.

Compare modeled HDHP + HSA and PPO + Health FSA costs, including tax effects, out-of-pocket costs, dependent care inputs, and paycheck impact.

Compare two employer health plans across four family enrollment arrangements using premiums, eligibility, deductibles, coinsurance, and employer health-account funds.

Compare one dental plan with carrying both plans using premiums, deductibles, annual maximums, procedure benefits, and coordination-of-benefits rules.

Compare health coverage after a job loss using exact COBRA, spouse-plan, and Marketplace quotes, deductible progress, subsidies, and enrollment timing.

Compare overlapping and staggered parental-leave schedules using each parent’s paid benefits, PTO, unpaid leave, household cash flow, and childcare timing.

Coordinate college expenses between scholarships, a 529 withdrawal, and the American Opportunity Tax Credit without using the same expense twice.

Calculate a complete monthly mortgage payment and compare 15-year versus 30-year financing, amortization, extra payments, and investing the payment difference.

Compare a HELOC, fixed home equity loan, and cash-out refinance while accounting for your existing mortgage, variable rates, closing costs, and repayment structure.

Model employer matching, paycheck impact, retirement growth, and after-tax income for traditional and Roth 401(k) contributions.

Compare two job offers using salary, bonuses, equity, benefits, paid time off, retirement match, commute costs, and effective hourly compensation.

Compare high-yield savings, certificates of deposit, and Treasury securities using after-tax yield, liquidity, penalties, and changing-rate scenarios.

Compare the multi-year financial impact of returning to work versus staying home, including childcare, taxes, benefits, commuting, retirement, and career growth.

Compare the purchasing power of a salary between locations using regional price data and customizable housing, transportation, and everyday-cost assumptions.

Compare keeping current credit-card debt, using a promotional balance transfer, or consolidating with a personal loan.

Compare electric, hybrid, and gasoline vehicles using purchase price, incentives, financing, energy, maintenance, insurance, depreciation, and resale value.

Compare buying solar panels with a power purchase agreement, lease, and utility-only service using production, rate escalators, financing, incentives, and export credits.

Compare heat-pump and natural-gas furnace running cost using local utility rates, HSPF2, AFUE, cold-weather COP, equipment cost, and rebates. Find the economic dual-fuel switchover temperature.

Estimate when an LLC S-corp election may save money after reasonable salary, payroll tax, payroll service, CPA fees, state entity taxes, and the QBI deduction.

Compare a monthly pension with a lump-sum buyout using COLA, survivor benefits, life-expectancy scenarios, present value, investment fees, inflation, and the required return hurdle.

Compare extra mortgage principal with taxable high-yield savings and brokerage investing using equal cash flow, mortgage deductions, ordinary-income tax, dividends, fees, and capital gains.

Compare selling a home now with keeping it as a rental using net sale proceeds, rental cash flow, mortgage payoff, appreciation, selling costs, and the opportunity cost of equity.

Compare renovating your current home with selling and moving, including financing, transaction costs, mortgage-rate changes, property value, and monthly cash flow.

Compare fixing your current car with replacing it using repair risk, depreciation, financing, fuel, maintenance, insurance, and cost per mile.

Compare selling a house in its current condition with making repairs first using sale-price scenarios, overruns, commissions, carrying time, and net proceeds.

Compare a seller closing-cost credit, home-price reduction, permanent rate buydown, and temporary 2-1 or 3-2-1 buydown using actual lender quotes and your expected ownership timeline.

Compare a lower cash price with true 0% or deferred-interest promotional financing, including payoff timing, retroactive-interest exposure, fees, and savings opportunity cost.

Run family claims in order to compare embedded and aggregate deductibles, premiums, coinsurance, and individual and family out-of-pocket thresholds.

Compare the remaining-year cost of keeping or changing health plans after accounting for deductible and out-of-pocket progress, confirmed transfer credits, premiums, and expected care.

Compare a W2 employee offer with a C2C contract using billable time, benefits, business overhead, health coverage, taxes, and a break-even hourly rate.

Compare locum shift pay with an employed physician package using benefits, malpractice, travel, health coverage, 2026 payroll taxes, and a break-even rate.

Compare a current-value PMI cancellation request, principal paydown to 80% of original value, and waiting for scheduled automatic termination.

Compare owner-only retirement contribution limits with business profit, an existing W2 job, employee deferrals and age-based catch-up contributions.

Compare payroll taxes, owner salary, outside W2 wages, administration costs and entered income-tax assumptions to explore S corporation break-even scenarios.

Compare keeping a car loan, paying extra, refinancing, or refinancing with the same monthly budget using payoff dates, remaining debt, interest, fees, and lasting break-even.

Compare keeping your mortgage, recasting, refinancing and making a lump-sum principal payment using the same cash and time horizon.

Compare annual childcare costs for your family including au pair agency fees, room and board, nanny overtime, daycare tuition and backup care.

Compare a one-time bonus with a permanent salary raise over multiple years, including future raises, bonus probability, tax assumptions and retirement match.

Compare a salary offer with hourly pay, overtime, paid and unpaid time, benefits and costs. Find break-even hourly pay and weekly overtime.

Compare PRN shift pay with full-time salary, benefits, replacement insurance, canceled shifts, unpaid time, and W2 or 1099 tax treatment.

Compare leaving a job now with waiting for a 401(k) match, RSUs, bonus, or other compensation to vest. Find the make-whole signing bonus and break-even new salary.

Compare a company car, taxable car allowance, and mileage reimbursement using ownership costs, taxes, personal use, and business miles.

Optimize a 2026 dependent-care FSA election against the child and dependent care credit using household expenses, earned income, and tax rates.

Project investment growth from an initial balance and recurring contributions under different return and compounding assumptions.

Estimate retirement savings needs using income replacement, Social Security, healthcare costs, and a 4% withdrawal assumption.

See the power of compound interest over time with different contribution frequencies and rates.

Determine how much car you can afford based on your income and financial situation.

Create strategies to pay off credit cards and other debts faster using avalanche or snowball methods.

Create and track your monthly budget with expense categories and savings goals.

Plan how to reach your savings goals with different contribution amounts and timeframes.

Determine the right emergency fund size for your situation and how to build it.

Calculate a personal loan payment, origination-fee impact, interest cost, extra-payment savings, and amortization.

Calculate how long it will take to pay off credit card debt and strategies to pay it faster.

Project student-loan repayment, grace-period interest, extra payments, and lump-sum payoff strategies.

Plan your wedding expenses and track costs across all categories to stay within budget.

Estimate the costs of having a baby including medical, gear, and ongoing expenses.

Plan and budget for your vacation including all travel, accommodation, and activity costs.

Estimate life-insurance coverage needs using income replacement, debts, education, final expenses, and existing resources.

Compare cell phone plans and find the most cost-effective option for your usage.

Estimate take-home pay using 2026 federal brackets, FICA, filing status, pay frequency, deductions, and adjustable state and local tax estimates.

Compare purchasing power across historical years using official CPI data or project future costs with a custom inflation assumption.

Estimate funds needed at closing from the down payment, lender and third-party charges, points, prepaids, escrow funding, earnest money, and seller or lender credits.

Allocate a shared 401(k) deferral limit across an old job and up to two current plans to capture more employer match without unintentionally exceeding the annual employee limit.

Map monthly HSA contribution room for two spouses across HDHP changes, general-purpose FSAs or HRAs, employer deposits, age-55 catch-ups, and Medicare Part A timing.

Estimate a 2026 federal safe-harbor shortfall and spread it across extra W-4 withholding or remaining estimated-tax installments.

Compare even and front-loaded 401(k) contributions and estimate employer match that could be missed when a plan has no true-up.