Free finance calculators, minus the fine print
Debt payoff, Social Security, taxes, take-home pay, rent vs buy — 15 interactive calculators that run entirely in your browser. No sign-ups, no spam.
Browse by topic
Six hubs, fifteen calculators — each one built to answer a single money question well.
Retirement
Social Security, RMDs, pensions, and Roth strategies.
Paycheck & Work
What you earn, what you keep, what overtime pays.
Taxes
Estimate what you owe before April surprises you.
Investing
Compound growth, FIRE, and valuing cash flows.
All calculators
Every tool on the site, A to Z.
Debt Snowball vs Avalanche Calculator
Compare both payoff strategies on your own debts.
Social Security Break-Even Calculator
Claim at 62 vs 70 — find your break-even age.
RMD Calculator
Required minimum distributions by IRS table.
Overtime Pay Calculator
Time-and-a-half and double-time, done right.
Pension vs Lump Sum Calculator
Which is worth more in today\u2019s dollars?
Backdoor Roth IRA Calculator
Pro-rata tax hit on your conversion.
Hourly to Salary Calculator
$/hr → annual, monthly, biweekly pay.
Compound Interest Calculator
Watch monthly contributions compound.
Capital Gains Tax Calculator
Federal tax on your stock or crypto sale.
Self-Employment Tax Calculator
The 15.3% freelancers pay, explained.
FIRE Calculator
Years until work becomes optional.
Present Value of Annuity Calculator
What future payments are worth today.
Rent vs Buy Calculator
The honest break-even year.
Auto Loan Calculator
True monthly cost with trade-in & fees.
Take-Home Pay Calculator
Gross pay → per-paycheck reality.
Latest guides
Plain-English answers to the money questions behind the calculators.
Guide
How Much Will $500 a Month Grow to in 20 Years? (At 5%, 7%, and 10%)
How much will $500 a month grow to in 20 years? About $260,463 at a 7% return, and starting five years late…
Guide
Should I Take Social Security at 62 or 70? The Break-Even Math
Should I take Social Security at 62 or 70? The break-even age is about 80. Here is who gains by claiming early,…
Guide
The Rent vs Buy 5% Rule: A Ten-Second Sanity Check Before You House-Hunt
The rent vs buy 5% rule: multiply a home's price by 5%, divide by 12, and compare with rent. A $400,000 home…
Guide
Is Overtime Taxed at a Higher Rate? No. Here’s What’s Actually Happening
Is overtime taxed at a higher rate? No. Overtime is ordinary income and the real culprit is withholding. Here is how marginal…
Guide
Debt Snowball vs Avalanche: Which Is Better, Really?
Debt snowball vs avalanche: which is better? A real $16,500 example shows the interest gap is smaller than you think, and the…
Guide
$25 an Hour Is How Much a Year? The Gross Number and the Real One
$25 an hour is how much a year? $52,000 before tax at 40 hours a week. Monthly, biweekly and realistic 2025 take-home…
Why these calculators?
Three promises, kept on every page.
Private by design
Every calculation happens in your browser. Your salary, debts, and balances are never sent to a server — or anyone else.
Show-the-math
Each tool explains its formula and assumptions (IRS tables, FLSA rules, amortization math) so you can trust — and verify — the result.
Instant answers
No sign-up walls, no PDFs to download, no "enter your email for results". Type your numbers, get your answer.