Free Financial Calculators

Visualize how money grows over time with compounding at different rates, frequencies (daily, monthly, annually), and time horizons.

Estimate federal and state capital gains tax — short-term vs long-term rates, NIIT surtax, all 50 US states plus DC.

Project 401(k) growth based on contribution rate, employer match, salary increases, and expected returns with year-by-year breakdown.

Project tax-free Roth IRA growth with catch-up contributions, and compare to a taxable account to see the tax savings estimate.

Calculate theoretical profit and loss for calls and puts — long or short — with a P&L table across a range of stock prices at expiration.

Calculate monthly payments with principal & interest, property tax, insurance, PMI, and HOA. Full amortization schedule included.

Model how reinvesting dividends affects total return over time, accounting for dividend growth rates and share price appreciation.

Compare DCA vs lump sum investing with annual contribution escalation. Year-by-year breakdown of contributions and growth.

Project HSA growth with the triple tax advantage — tax deduction, tax-free growth, and tax-free medical withdrawals.

Estimate monthly benefits at age 62, 67, and 70 using a simplified PIA calculation. Compare lifetime benefits and break-even ages.

Calculate post-split shares, price, and adjusted cost basis for forward and reverse stock splits.

Calculate dividend yield, income per share, income on $10,000 invested, and payout ratio sustainability analysis.

Calculate Compound Annual Growth Rate from beginning and ending values. Includes reverse CAGR projection and Rule of 72 doubling time.

See how inflation erodes purchasing power over time. Forward and reverse calculations with year-by-year breakdown.

Add assets and liabilities to calculate net worth, with visual breakdown and debt-to-asset ratio.

Compare snowball vs avalanche debt payoff strategies side by side. See total interest saved and payoff timeline for each method.

Determine your emergency fund size based on monthly expenses, income stability, and household profile. Auto-suggests coverage months.

Compare annual trading costs across 6 major US brokers — Fidelity, Schwab, IBKR, Robinhood, E*TRADE, and Webull.

Enter current values and allocation percentages to see drift and the exact dollar amounts needed to rebalance.

Estimate how long your retirement portfolio will last under different withdrawal rates, returns, and income sources.