Finance Tools (215)
Money decisions are multi-variable: the balance, the rate, the deadline, the goal. A one-number answer is not an answer — so these tools take your actual inputs and show the arithmetic behind every result.
The collection splits into what you owe (loans, credit cards, payoff plans), what you take home (salary, taxes, overtime), what you share (rent, utilities, subscriptions) and what you protect (insurance, emergency funds, retirement).
Bottom line: nothing here asks for your email, stores your inputs or hides the formula. Type numbers, read the result, check the math line by line — the same way a spreadsheet would, minus the setup.
Countdowns (17)
Baby First Year Cost CalculatorCountdownsEnter your own monthly diaper, formula, clothes and medical numbers plus one-time gear - see the real first-ye…How Many Days Until April?CountdownsSee exactly how many days until April 1, 2027 - a Thursday - with a live timer to the second and the month map…How Many Days Until April Fools' Day?CountdownsSee exactly how many days until April Fools' Day 2027 - Thursday, April 1 - with a live timer to the second, t…How Many Days Until Earth Day?CountdownsSee exactly how many days until Earth Day 2027 - Thursday, April 22 - with a live timer to the second, the 197…How Many Days Until Tax Day?CountdownsLive countdown to Tax Day - April 15. Track the filing deadline for federal taxes, extensions and quarterly es…Freelance Deadline PlannerCountdownsEnter your project deadline and get the four dates that keep it survivable: first draft at 50% of the runway, …Freelance Rate CalculatorCountdownsEnter your target yearly income and get the hourly rate to charge: base rate at your utilization, loaded with …Home Maintenance CalculatorCountdownsEnter your home's value and get the 1% rule maintenance budget - per year and per month - plus the conservativ…IRS PlannerCountdownsTax Day 2027 is Thursday, April 15. Enter the deadline and this planner works backward, dating every filing st…Laundry Cost Per Load CalculatorCountdownsEnter your electricity rate and detergent cost - see the true per-load cost of washing (HE or traditional), wa…Meeting Cost CalculatorCountdownsEnter headcount and average salary, press start, and watch what the meeting burns per second - live, brutal, a…Minimum Wage History TableCountdownsEvery federal minimum wage from the original 25 cents in 1938 to today's $7.25 - 18 rates across 87 years, wit…Payday CountdownCountdownsSet your pay schedule once - weekly, biweekly, semimonthly or monthly - and this page counts down to your next…Pet Cost CalculatorCountdownsEnter your own monthly food, yearly vet and other pet costs, and see the annual total, the monthly reality and…Savings Goal Date CalculatorCountdownsEnter your goal, what you have saved and your monthly amount - get the exact number of months to the finish, t…Tax Day Dates TableCountdownsTax Day 2026 falls on Wednesday, April 15 - no shift. Every federal filing deadline through 2036 with the week…Federal Tax Deadlines TableCountdownsEvery 2026 and 2027 federal tax deadline on one table - quarterly estimates, Tax Day, the October extension - …
Calculators (169)
2026 Retirement Limits TableCalculatorsThe 2026 retirement contribution limits table: 401(k) at $24,500, IRA at $7,500, the $8,000 and $1,100 catch-u…2027 Payroll Calendar TableCalculatorsThe 2027 payroll calendar: all 27 biweekly Friday pay dates from January 1 to December 31, why 2027 is a 27-pa…2027 Tax Deadlines TableCalculatorsThe 2027 tax calendar: April 15 filing day, the four quarterly estimated dates, the January 31 W-2 and 1099 cu…401(k) Loan CalculatorCalculatorsBorrow from your 401(k) the honest way: the IRS 50%/$50,000 ceiling, your real monthly payment, the interest y…401k Match CalculatorCalculatorsWhat is your employer match worth? Salary, contribution and match formula give the free annual amount, what yo…401k Max-Out PlannerCalculatorsSee exactly how many paychecks are left in the year and what to contribute each one to max out your 401(k) — 2…50/30/20 Budget CalculatorCalculatorsYour after-tax monthly income split into needs, wants and savings with dollar amounts for each - plus the line…529 College Savings CalculatorCalculatorsA 529 grows tax-free for qualified education: price your monthly plan against a taxable twin, see the 15 perce…ACA Subsidy CalculatorCalculatorsPrice your 2026 ACA credit on the official post-cliff table: 2.10-9.96% of income and the 400% cliff is back. …Advent Calendar Budget CalculatorCalculatorsHow much should an advent calendar cost? Enter kids and daily tier - see the season total, per-kid cost and th…Air Sealing Payback CalculatorCalculatorsA $30 caulk-and-weatherstrip kit against your winter heating bill: see monthly savings, season savings and pay…Amortization ScheduleCalculatorsSee every payment's interest/principal split and running balance - first year in full, anniversaries after, wi…Apartment Utility Cost CalculatorCalculatorsEstimate your monthly apartment utilities before you sign the lease: the US-average 899 kWh of electricity at …Bike Commute Payback CalculatorCalculatorsWhat does swapping car miles for bike miles actually save, and how many weeks until the bike and gear pay for …Bonus Tax CalculatorCalculatorsBonuses are withheld at a flat 22 percent federal - not taxed at 40 percent, and not at your bracket either. P…Bottled Water Habit CalculatorCalculatorsWhat does the bottled water habit really cost? Bottles a week, price per bottle and filter costs give the year…Budget Billing CalculatorCalculatorsYour worst winter month, quietest month and 12-month total in - see the level monthly payment a budget billing…CAGR CalculatorCalculatorsSmooth any investment's journey into one honest yearly rate: beginning value, ending value, years - CAGR, tota…Car Insurance Renewal CalculatorCalculatorsYour renewal quote vs a shop-around quote: see the loyalty penalty in dollars per year, the break-even on swit…Carpool Savings CalculatorCalculatorsWhat carpooling actually saves: shared driving cost per person per year, CO₂ taken off the road, and the sched…Cash Envelope Budget CalculatorCalculatorsThe cash envelope system, computed: split your monthly income across the classic envelope categories, see what…Charcuterie Board Budget CalculatorCalculatorsHow much charcuterie per guest? Enter your headcount and get the meat and cheese ounces, the pounds to buy, an…Chest Freezer Savings CalculatorCalculatorsDoes a chest freezer pay for itself? Enter bulk-buy savings per month and electricity cost to see the payback …Child Tax Credit CalculatorCalculatorsThe 2025 child tax credit pays 2,200 per kid under 17 with the phaseout starting at 200k single: price your cr…Coast FIRE CalculatorCalculatorsHow much invested today means retirement at your target age with zero further saving? Coast FIRE number, surpl…Coffee Habit CalculatorCalculatorsWhat does your coffee habit really cost? Enter cups, shop price and home brew cost - see the yearly gap, what …College Textbook Savings CalculatorCalculatorsHow much can you save on textbooks? Compare renting, buying new, buying used and the ebook across a course loa…Compound Interest CalculatorCalculatorsSee what your money grows to with monthly compounding — starting amount, optional monthly contributions, a yea…Cookie Swap PlannerCalculatorsHow many cookies does a cookie swap need? Enter swappers and dozens each brings - get the table total, take-ho…Costume Budget CalculatorCalculatorsKids and adults times your costume route gives the household Halloween budget - store, thrifted or closet cosp…Credit Card Interest CalculatorCalculatorsInterest on a card is the daily periodic rate - APR over 365 - times your balance times every day you carry it…Credit Card Minimum Payment CalculatorCalculatorsBalance and APR versus the minimum-payment math: years to repay, total interest, and what a fixed payment save…Credit Card Rewards CalculatorCalculatorsWhat are your credit card rewards actually worth? Enter monthly spending by category and compare flat-rate cas…Credit Utilization CalculatorCalculatorsWhat is my credit utilization? Enter balances and limits - see the ratio scoring models watch, the balance for…Cruise Budget CalculatorCalculatorsHow much does a cruise really cost? Enter the advertised fare, nights and kids - see the real cabin total with…Debt Payoff CalculatorCalculatorsSee exactly when a balance dies: months to debt-free, total interest, the minimum-payment trap - and what payi…Debt Snowball vs Avalanche CalculatorCalculatorsSnowball pays the smallest balance first; avalanche pays the highest rate first. Enter your debts and see both…Dependent Care FSA CalculatorCalculatorsA dependent care FSA shelters 5,000 of daycare or nanny pay from tax: price the saving, the use-it-or-lose-it …Percent Off CalculatorCalculatorsWork out the sale price after any discount, see exactly how much you save, and compare stacked discounts. Inst…Diwali Supply CalculatorCalculatorsHow many mithai boxes and diyas for Diwali? Family size, gift list and box budget give the full order, the 20-…Donation Deadline CalculatorCalculatorsGive in December, deduct in April - or lose it: the December 31 trigger by payment rails (card, check, app, pl…Dry January Savings CalculatorCalculatorsYour honest weekly drink count times venue price gives the month, quarter or full-year savings - with the visi…Duty-Free Exemption CalculatorCalculatorsCBP's personal exemption as a working tool: enter travelers and trip type, see the pooled duty-free allowance …Early Withdrawal Penalty CalculatorCalculatorsPulling from a 401k or IRA before 59½ costs the 10 percent penalty plus income tax: price the take-home from a…Earned Income Credit CalculatorCalculatorsThe EIC pays up to 7,830 with three kids - and the plateau trap: earn 200 dollars past the peak and the credit…Series EE Bond CalculatorCalculatorsPurchase price and years held give the EE bond value, with the Treasury guarantee that doubles any bond at twe…Eid Budget CalculatorCalculatorsWhat does Eid al-Fitr cost? Household members, Eidi kids, outfits and feast headcount give the total - with za…Engagement Ring CalculatorCalculatorsHow much should an engagement ring cost? Enter your take-home and timeline - get the honest budget, the two-mo…Espresso Machine Break-Even CalculatorCalculatorsThe home espresso break-even, computed honestly: machine plus grinder plus accessories against the cafe price …Estimated Tax Penalty CalculatorCalculatorsSkip an estimated payment and the IRS charges 7 percent a year on the gap - unless you hit a safe harbor. Chec…Expense Ratio CalculatorCalculatorsSee what an expense ratio actually costs: enter your balance, the fund fee and your years invested to get the …Faucet Aerator CalculatorCalculatorsOld bathroom faucets run 2.2 gallons a minute; a 1.5-gpm aerator does the job invisibly: price your tap minute…FHA vs Conventional Loan CalculatorCalculatorsThe same house priced two ways: FHA with its 3.5 percent down and monthly MIP against conventional loans at 10…First Apartment Setup Cost CalculatorCalculatorsHow much cash for day one in a first apartment? Enter rent, deposit months and utility setup - get the move-in…FSA CalculatorCalculatorsYour FSA election becomes real tax saved at your bracket plus payroll tax, the per-paycheck dent, and exactly …GAP Insurance CalculatorCalculatorsDo I need GAP insurance? Enter car price, down payment and loan term - see how underwater you are after year o…GAP Insurance TableCalculatorsThe underwater crossover grid: zero down on 60 months stays underwater 33 months, 20 percent down clears in un…Gift Budget CalculatorCalculatorsTotal your holiday gift spending by tier - partner, kids, family, friends, colleagues - then fund it across th…Gift Tax Exclusion CalculatorCalculatorsThe annual gift exclusion (19,000 per person in 2025) is per giver per recipient: price your household giving …GPA CalculatorCalculatorsEnter courses, credits and letter grades — get your semester GPA on the 4.0 scale, or fold in prior credits fo…Grocery Budget CalculatorCalculatorsBenchmark your weekly groceries by household size - adults count differently than teens, and the thrifty-to-li…Gutter Cleaning Cost CalculatorCalculatorsGutter feet, stories and debris load price each cleaning and the year - and answer the guards question with a …Haircut DIY vs Salon CalculatorCalculatorsAre home haircuts worth it? Heads, cuts a year, salon price and the clipper kit give the yearly verdict - with…Half-Time Pay CalculatorCalculatorsSee exactly what your pay is at half-time hours: annual, monthly and per-paycheck at 20 hours a week, with PTO…Hammock Size CalculatorCalculatorsWhat size hammock for your height? Fabric length, suspension rope and ridgeline computed from how tall you are…Health Plan Total Cost CalculatorCalculatorsCompare two health plans honestly: premiums plus deductible and out-of-pocket max give total annual cost at yo…Heat Pump vs Baseboard CalculatorCalculatorsSame wire, same meter, different physics: enter your electric rate and baseboard bill, and see what a heat pum…Heat Pump Water Heater CalculatorCalculatorsA heat pump water heater moves heat instead of making it: price your electric tank bill, the 3-4x efficiency g…Holiday Budget CalculatorCalculatorsList the recipients, travel, food and decor, get the real holiday total — then the weekly save line that funds…Holiday Card Budget CalculatorCalculatorsHow much do Christmas cards cost? Enter list size and card style - see the stamp bill at current rates, the ph…Holiday Dinner Host Cost CalculatorCalculatorsWhat does hosting the holiday dinner really cost? Guests, main, sides per head, wine and extras give the full …Holiday Tipping CalculatorCalculatorsYour year-end tipping budget splits across weekly regulars and occasional helpers - with the USPS cap, the tea…Home Efficiency Credit CalculatorCalculatorsThe energy efficient home improvement credit: 30% off with caps - 2,000 for heat pumps, 1,200 for the envelope…Home Sale Capital Gain CalculatorCalculatorsSale price, basis and improvements give the taxable gain after the Section 121 exclusion - 250k single, 500k m…Hotel vs Airbnb: Which Actually Costs Less for Your TripCalculatorsCompare a hotel stay against a vacation rental on total trip cost - nightly rate, taxes and resort fees, the o…Hourly to Salary CalculatorCalculatorsWhat is 22 dollars an hour a year? Enter rate, weekly hours and paid weeks - get annual, monthly, biweekly and…House Affordability CalculatorCalculatorsIncome plus existing debts give the monthly payment ceiling under the 28/36 rule, then the house price that pa…HSA Contribution CalculatorCalculatorsThe 2026 HSA limits by coverage and age, your real tax saving with payroll tax skipped, and a warning the mome…Hybrid vs Gas CalculatorCalculatorsThe hybrid costs more up front and less at the pump: price the premium against your own miles, find the break-…I Bond CalculatorCalculatorsPurchase amount and the current composite rate give the value at six months and a year - the two-reset arithme…Inflation CalculatorCalculatorsConvert money across any years 1913-2025 with BLS CPI-U data: today's buying power, cumulative inflation and a…Itemize vs Standard Deduction CalculatorCalculatorsShould I itemize or take the standard deduction? Enter mortgage interest, state taxes and donations - see both…Kitchen Remodel Budget CalculatorCalculatorsWhat will your kitchen remodel cost? Tier budgets by kitchen size - refresh, mid-range and upscale - with the …Laundry Hot vs Cold CalculatorCalculatorsHot water is the quiet line in the laundry bill: what does the hot-wash share actually cost per year, what goi…Lease Payment CalculatorCalculatorsThe lease formula in plain arithmetic: (cap cost minus residual) divided by term, plus the money-factor rent c…Lease vs Buy: The Real 3-Year Cost ComparisonCalculatorsA lease looks cheaper because it hides the ending. This calculator compares 36 months of lease payments agains…LIHEAP Eligibility CalculatorCalculatorsHousehold size and gross annual income in - see the 2026 federal 150 percent poverty line for your family and …Loan Payment CalculatorCalculatorsEnter amount, rate and term to see the amortized monthly payment, total interest and what share of every payme…Low-Flow Showerhead CalculatorCalculatorsA WaterSense head cuts 2.5 gallons a minute to under 2: price your showers, the water-plus-heat savings, and t…Medicare Advantage vs MedigapCalculatorsMedicare Advantage vs Medigap compared: MA bundles care at $0-50 premiums with an out-of-pocket cap and networ…Medicare IRMAA CalculatorCalculatorsIRMAA is the income surcharge on Medicare premiums - based on your MAGI from TWO years ago: price your 2025 ti…Medicare Part B Late Enrollment Penalty CalculatorCalculatorsEach full year you delayed Part B adds a permanent 10% to your premium. Enter your years late and see the mont…Medicare Part D Late Enrollment Penalty CalculatorCalculatorsEnter your uncovered months and get the lifetime monthly Part D penalty at the 2026 national base premium - th…Medicare Costs 2026: The Complete Rate TableCalculatorsEvery 2026 Medicare number on one page: Part A premiums $0/$311/$565 by work record, the $1,736 hospital deduc…Mileage vs Actual Expenses CalculatorCalculatorsStandard mileage pays a flat rate per business mile; actual expenses deduct real gas, insurance and depreciati…Mortgage Interest Deduction CalculatorCalculatorsMortgage interest is deductible on up to 750,000 of loan - if you itemize: price your first-year interest, the…Mortgage Points CalculatorCalculatorsOne point costs 1 percent of the loan and buys roughly 0.25 percent off the rate: price the break-even months,…Net Worth CalculatorCalculatorsAdd up what you own and subtract what you owe: net worth, liquid net worth, and the debt-to-asset ratio - with…Overtime Pay CalculatorCalculatorsEnter your hourly rate and weekly hours — see regular pay, overtime pay at 1.5× past 40, and the exact dollar …Party Budget CalculatorCalculatorsWhat will the party cost? Guests times per-head food and drink plus decorations, with the per-guest figure and…Payday Loan Cost CalculatorCalculatorsA $15-per-$100 two-week payday loan runs an APR near 400 percent, per the CFPB - and every rollover multiplies…Pay Off Mortgage or Invest CalculatorCalculatorsOne extra $500 a month, two destinations: kill the mortgage early and save interest, or invest it and compound…Pet Insurance CalculatorCalculatorsIs pet insurance worth it? Enter the monthly premium, pet age and your emergency fund - see lifetime premiums …Phone Protection Plan CalculatorCalculatorsIs phone insurance worth it? Monthly premium, deductible and repair costs give the two-year totals for insurin…Premium Gas CalculatorCalculatorsIs premium gas worth it? Gallons a year, price gap and the MPG gain premium actually delivers give the yearly …Prom Budget CalculatorCalculatorsHow much does prom cost? Enter tickets, outfit plan, glam and ride - get the honest per-person total, the resa…PTO Accrual CalculatorCalculatorsConvert annual PTO days into hours per paycheck, hours per hour worked, and the dollar value of a day and your…Quarterly Estimated Tax CalculatorCalculatorsFreelance income has no withholding: price your side income or self-employment into the four quarterly payment…Quinceañera Budget CalculatorCalculatorsHow much does a quinceañera cost? Guests, venue per head, dress, extras and the padrinos share give the total,…Quit Smoking Savings CalculatorCalculatorsA pack a day at 9 dollars is 3,285 a year - 45,000 over a decade before growth, about 62,000 if the same money…Rechargeable Battery CalculatorCalculatorsAre rechargeable batteries worth it? Household burn rate, disposable price and the kit cost give the yearly sa…Rent Affordability CalculatorCalculatorsEnter your income and monthly debts — get the maximum rent by the 30% rule, adjusted for a 36% debt-to-income …Rent Increase CalculatorCalculatorsShould I stay or move after a rent increase? Enter both rents and moving costs - get the monthly jump, percent…Rent Split CalculatorCalculatorsSplit rent fairly by room size: private rooms pay their own square metres, shared space splits equally - with …Rent Affordability TableCalculatorsThe complete rent affordability table: monthly incomes from $2,000 to $8,000 mapped to the 30% rent ceiling, p…Rent vs Buy CalculatorCalculatorsYour rent against the true monthly cost of owning - mortgage, taxes, insurance, maintenance - plus the break-e…Rental Host Income CalculatorCalculatorsNightly rate, occupancy and costs give your net after platform fees, the effective per-night figure, and the p…Renters Insurance CalculatorCalculatorsHow much is renters insurance? Enter what your stuff is worth, pick a deductible - get the monthly estimate, t…Roth vs Traditional 401k CalculatorCalculatorsSame growth, different tax year: see the final after-tax value of Roth versus Traditional at your rates, and w…Salary to Hourly CalculatorCalculatorsConvert your annual salary to an hourly wage (and back). Uses the standard 2,080-hour work year, with custom h…Sales Tax CalculatorCalculatorsAdd sales tax to a price, or remove tax to find the pre-tax amount. Two-direction calculator for US shoppers, …Saver’s Credit CalculatorCalculatorsThe Saver’s Credit pays low-and-middle earners up to 1,000 (2,000 joint) for contributing to a 401k or IRA - c…Savings Goal CalculatorCalculatorsEnter a savings goal, what you have saved and your monthly deposit — get the exact month and year you'll reach…Savings Rate CalculatorCalculatorsYour savings rate decides when work becomes optional: rate from income and spending, then years to FI on the f…Secret Santa CalculatorCalculatorsParticipants and budget cap give the number of gifts, the whole-group spend, and what everyone saves versus bu…Self-Employment Tax Set-Aside CalculatorCalculatorsExpected 1099 income plus your bracket gives the set-aside percentage, the SE tax, quarterly payments and the …Septic Tank Pumping CalculatorCalculatorsHousehold size and tank gallons in - pumping interval, next due date and the yearly amount to budget, anchored…Simple Interest CalculatorCalculatorsCalculate simple interest instantly: interest earned, monthly interest, total at maturity — plus what the same…Sinking Fund CalculatorCalculatorsA sinking fund is the anti-surprise: pick the expense, pick the month, and get the boring monthly number that …Ski Trip Cost CalculatorCalculatorsWhat does a ski trip cost? Days, lift pass, rental, lessons and mountain food give the per-person total, the l…Sleep Debt CalculatorCalculatorsAdd up the hours you owe your body: average sleep vs your target, debt level, and how many nights of catch-up …Smart Thermostat Payback CalculatorCalculatorsA smart thermostat saves 8-10% on heating and cooling when you actually schedule it: price your bill, the Ener…SNAP Benefits CalculatorCalculatorsCheck SNAP eligibility against the official FY2027 income limits (Oct 1, 2026 - Sep 30, 2027) and estimate the…Snowbird Cost CalculatorCalculatorsWhat does a snowbird winter really cost? Months, southern rent, travel and home carrying costs give the away t…Social Security Break Even CalculatorCalculatorsYour birth year and benefit estimate become the real monthly check at each claiming age - with the 62-vs-70 br…Social Security COLA CalculatorCalculatorsSee what the next Social Security COLA does to your check: enter your monthly benefit and any COLA percent for…Social Security COLA History TableCalculatorsEvery Social Security COLA since 2000 with the year it first hit checks, how the formula works, when the next …Solar Panel Payback CalculatorCalculatorsA 25k system nets 17.5k after the 30% credit: price your annual bill, the offset share, and the honest payback…Spring Break Budget CalculatorCalculatorsFlights, shared lodging, days and the daily food-and-fun line give the per-person cost, the group total and th…Stairlift Cost CalculatorCalculatorsWhat a stairlift really costs: 2,000 to 5,000 dollars installed for a straight rail, 9,000 to 15,000 for curve…Stocking Stuffer Budget CalculatorCalculatorsHow much for Christmas stockings? Enter count and per-stocking budget - see items each, the practical-fun spli…Store Brand Swap CalculatorCalculatorsWhat does swapping part of your basket to store brands actually save per year? Basket size x swap share x disc…Streaming Rotation CalculatorCalculatorsThree services all year costs 3x; rotating them one at a time costs 1x plus a little boredom: price your stack…Student Loan Interest Deduction CalculatorCalculatorsUp to 2,500 of student loan interest is deductible above the line - no itemizing - but the benefit fades above…2026 Federal Tax Bracket CalculatorCalculatorsEnter your taxable income and filing status to see your 2026 marginal bracket, the exact tax at each step, and…2026 Tax Brackets TableCalculatorsThe 2026 federal tax brackets table: all seven rates with single and married-filing-jointly ranges, the standa…Tax Document Checklist CalculatorCalculatorsEnter your situation - W-2, side gig, home, investments, student loans, kids - and get the exact document list…Tax Extension Cost CalculatorCalculatorsAn extension buys time to file, never time to pay. Price the late-file penalty, the late-pay penalty and 7 per…Tax Loss Harvest CalculatorCalculatorsEnter realized gains, available losses and your tax rate. See what harvesting saves before the December 31 dea…Tax Refund PlannerCalculatorsYour refund split between the highest-APR card, the emergency fund and a guilt-free fun share - with the inter…Tax Withholding Calculator: Owe or Refund CheckCalculatorsCompare your year-to-date federal withholding against your estimated 2026 tax bill to see whether April brings…Textbook Cost CalculatorCalculatorsHow much are textbooks this semester? Enter courses and average price - compare buying new, renting and used, …Thermostat Setback Savings CalculatorCalculatorsHow much does turning the thermostat down at night and at work really save? Degree-hours against your actual h…Time Card CalculatorCalculatorsAdd up a full week of clock-ins and clock-outs - lunch deducted, overnight shifts handled, overtime over 40 ho…Toilet Replacement Payback CalculatorCalculatorsA pre-1994 toilet flushes 3.5+ gallons against a modern 1.28: price your household flushes, the yearly water, …Trade-In vs Private Sale CalculatorCalculatorsTrade in or sell privately? Dealer offer against private-party price, the sales-tax credit that shrinks the ga…VA Loan Entitlement CalculatorCalculatorsHow much will the VA guarantee on your loan? The two-tier math ($36,000 to $144,000, 25% above), what a prior …VA Funding Fee CalculatorCalculatorsCompute the VA funding fee for any loan: purchase (first or subsequent use, by down payment), cash-out, IRRRL …VA Pension CalculatorCalculatorsEstimate your 2026 VA Veterans Pension: the MAPR ceilings ($17,441-$34,488), the 5% medical-expense deduction,…W-2 vs 1099 TableCalculatorsThe W-2 vs 1099 chart: withholding, the 15.3 percent FICA split, benefits, overtime rights and equipment - eve…W-4 Checkup CalculatorCalculatorsCheck your W-4 before December: enter wages, paycheck federal withholding and frequency - see the projected bi…Warehouse Membership CalculatorCalculatorsIs Costco or Sam’s worth it? Fee, savings rate, monthly spend and the gas discount give your net benefit and t…Washing Machine Upgrade Payback CalculatorCalculatorsAn old agitator washer uses 40 gallons a load; a modern HE uses 13: price your loads, the water-and-energy gap…Watch Party Host Cost CalculatorCalculatorsHow much does hosting a game day cost? Enter guests and food tier - see the all-in day total, per head, the sp…Water Heater Temperature CalculatorCalculatorsHow much does turning the water heater from 140 to 120 degrees actually save? Standby-loss math per month, plu…Wedding Budget CalculatorCalculatorsGuests, catering, bar and flat costs give the real total with a 10 percent buffer - and the guest-count math t…White Elephant CalculatorCalculatorsHow long does white elephant take with 10 players? Enter players, gift budget and steal limit - get game minut…Wood Stove Heating Cost CalculatorCalculatorsA wood stove at 3 cords a season runs $600-900 of wood against 2,000+ for electric resistance: price your squa…Work Hours Price TagCalculatorsWhat does it cost in your hours? Price divided by your net hourly gives the work-days figure - the exchange ra…
Converters (22)
Adoption Tax Credit TableConvertersThe 2026 adoption credit verbatim from Rev. Proc. 2025-32 - the $17,670 cap, the special-needs full-credit rul…AMT Exemption TableConvertersThe 2026 alternative minimum tax exemptions, phase-out thresholds and complete phase-out points verbatim from …APY to APR CalculatorConvertersConvert APR to APY and back for daily, monthly, quarterly or continuous compounding - the Reg DD formula, with…Capital Gains Brackets TableConvertersThe 2026 long-term capital gains breakpoints verbatim from Rev. Proc. 2025-32 - 0%, 15% and 20% bands by filin…Dependent Care Credit CalculatorConvertersCompute the child and dependent care credit verbatim from 26 U.S.C. 21 - the 20-35% rate ladder, the $3,000/$6…Earned Income Credit TableConvertersThe 2026 EITC table verbatim from Rev. Proc. 2025-32 - maximum credits by number of children, phase-out window…Emergency Fund CalculatorConvertersWork out your emergency fund coverage in months - the gap to a 3, 6, 9 or 12 month target and how long your mo…Estate and Gift Tax Limits TableConvertersThe 2026 estate and gift tax numbers verbatim from Rev. Proc. 2025-32 and OBBBA - the $15,000,000 exclusion, t…Foreign Earned Income Exclusion TableConvertersThe 2026 foreign earned income exclusion verbatim from Rev. Proc. 2025-32 - $132,900 excluded from federal tax…Full Retirement Age TableConvertersThe Social Security full retirement age ladder verbatim from 20 CFR 404.409 - every birth cohort from 65 years…Gas Tax by State TableConvertersState-by-state gasoline and diesel tax rates in cents per gallon from the EIA's official table, plus a fill-up…HDHP Limits TableConvertersThe 2026 HSA-qualifying HDHP definition verbatim from Rev. Proc. 2025-32 - deductible bands and out-of-pocket …IRS Interest Rate History TableConvertersEvery IRS quarterly interest rate for individuals and corporations from 2017 through 2026, verbatim from the I…Kiddie Tax TableConvertersThe 2026 kiddie tax rules verbatim from Rev. Proc. 2025-32 - the $1,350 shelter, the $2,700 two-tier split, an…LTC Premium Deduction Limits TableConvertersThe 2026 long-term care insurance premium deduction limits verbatim from Rev. Proc. 2025-32 - five age bands f…Medicare Enrollment Periods TableConvertersEvery Medicare signup window in one table - the 7-month IEP, Open Enrollment Oct 15-Dec 7, General Enrollment …Minutes to Decimal TableConvertersThe minutes-to-decimal chart payroll actually wants: all 60 minutes converted to decimal hours, the quarter-ho…Minutes to HoursConvertersThe minutes-to-hours chart: divide by 60 for decimal hours, the quarter-hour anchors, why payroll wants 7.5 an…QBI Deduction CalculatorConvertersCompute your 2026 section 199A qualified business income deduction - verbatim Rev. Proc. 2025-32 thresholds, S…Retired Hurricane Names TableConvertersEvery retired Atlantic hurricane name by year, from Carol in 1954 to Melissa in 2025 - why the WMO pulls names…Student Loan Interest Deduction TableConvertersThe 2026 student loan interest deduction verbatim from Rev. Proc. 2025-32 - the $2,500 maximum, phase-out star…Trailer Ball Size TableConvertersTrailer ball chart: all four North American ball diameters (1-7/8 in, 2 in, 2-5/16 in, 3 in) with shank diamet…
Text Tools (5)
Adlam Alphabet TableText ToolsThe complete Adlam chart: all 34 letters of the alphabet invented for Pular in the 1980s by the Barry brothers…CSS Cursor TableText ToolsThe 8 cursor pieces: pointer as the clickable signal custom clickables must set explicitly, the grab/grabbing …JavaScript Beacon API TableText ToolsThe 8 Beacon pieces: sendBeacon fire-and-forget, why unload analytics die, the POST-only contract, allowed pay…JavaScript JSON Methods TableText ToolsThe 7 JSON method pieces: stringify with indent and replacer, parse with reviver, toJSON hooks - and the silen…JavaScript Web Locks TableText ToolsThe 8 Web Locks pieces: named cross-tab locks held for a callback's duration, exclusive versus shared modes, i…
Generators (2)
Frequently asked questions
Are these finance tools free?
Yes — every calculator runs in your browser, needs no account and never sends your inputs anywhere. There is nothing to install and nothing to pay.
Do the calculators store my numbers?
No. The math happens locally on your device. Some tools remember your last inputs in your browser's local storage for convenience, and that data never leaves your device.
Which tool should I start with?
Start with the question you actually have: paying off a card → debt payoff; splitting a lease → rent split; comparing a job offer → salary to hourly or take-home pay. Each hub section below groups the tools that way.
Is this financial advice?
No — these are arithmetic tools with the formulas shown in plain text. They are a starting point for your own research or a conversation with a licensed professional, not a replacement for one.