Financial calculators
Free calculators that work on your own numbers and show every assumption they make. Each one is tested with multiple methods across thousands of scenarios and reviewed by a financial planner before it goes up. How we test calculators.
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Investing
Retirement Planning
- RMD CalculatorUpdated for 2026Your required minimum distribution for the year from IRAs, 403(b)s and a 401(k), which account it must come from and by when, with the spouse table, QCDs, the still-working rule and a projection to age 95. Coast FIRE CalculatorYour Coast FIRE number: what you need invested today to stop saving for retirement and still retire on time, the age you catch up with it if you keep saving, and what your savings would pay for now, with optional Social Security. Inherited IRA RMD CalculatorUpdated for 2026The least you must withdraw from an inherited IRA this year and when it must be empty, under the 10-year and life-expectancy rules, with withdrawal plans compared at your federal tax bracket. Retirement CalculatorUpdated for 2026How much you need saved to retire after income tax, from pretax, Roth and taxable accounts, single or married, with Social Security, a pension and required minimum distributions; the yearly saving that gets you there; five withdrawal orders and eight spending rules compared; and how often your plan lasts across 1,000 simulated markets. Roth Conversion CalculatorUpdated for 2026The federal tax a Roth conversion adds on your 2025 or 2026 return, counting Social Security, the senior deduction, the Marketplace premium tax credit and IRMAA two years later, how much more you could convert before each step, the future tax rate at which converting comes out ahead, and a year-by-year plan until RMDs start. 401(k) Withdrawal CalculatorUpdated for 2026What a 401(k) withdrawal before 59½ costs in federal tax and the 10% additional tax, what is withheld and owed at filing, and whether a 401(k) loan is cheaper. Annuity CalculatorUpdated for 2026What an income annuity quote pays: the age you must live to for it to beat investing the money, your chance of reaching it, and its return at every age. Roth IRA CalculatorUpdated for 2026How much you can put in a Roth IRA at your income, how much of a traditional IRA contribution you can deduct, what a backdoor Roth adds in tax, and Roth or traditional after tax.
Taxes
- Social Security Tax CalculatorUpdated for 2026How much of your Social Security is taxable, with the IRS worksheet, the federal income tax it adds, and what the next $1,000 of IRA income, municipal interest or capital gains would cost. No Tax on Overtime CalculatorUpdated for 2026What the 2025–2028 overtime deduction is worth to you: the part of your overtime that counts, the cap and phase-out, and your federal income tax with and without it, including the refundable child tax credit. No Tax on Tips CalculatorUpdated for 2026What the 2025–2028 tips deduction is worth to you: the $25,000 cap and phase-out, the limit for tips in your own business, and your federal income tax with and without it, including the refundable child tax credit. Car Loan Interest Deduction CalculatorUpdated for 2026Whether your car loan qualifies for the 2025–2028 car loan interest deduction, the interest you pay this year estimated from your loan, and what the deduction is worth after the $10,000 cap, the phase-out and the refundable child tax credit. Itemized vs Standard Deduction CalculatorUpdated for 2026Whether to itemize or take the standard deduction for 2025 or 2026, what the better choice saves in federal income tax under the new limits on state and local taxes and charitable gifts, and whether bunching gifts would save more. Estimated Tax CalculatorUpdated for 2026How much federal estimated tax to pay each quarter for 2025 or 2026, and the smallest amount that avoids the underpayment penalty, from self-employment profit, wages and other income, with self-employment tax, catch-up payments and the penalty if you pay nothing. Bonus Tax CalculatorUpdated for 2026What a bonus or RSU vest leaves you after the flat 22% (37% over $1 million) or aggregate withholding, Social Security and Medicare, and what it really adds to your 2025 or 2026 tax, so you see what you will owe or get back when you file. Capital Gains Tax CalculatorUpdated for 2026The federal tax a sale of stocks, funds, crypto or collectibles adds to your 2025 or 2026 return, with the gain stacked on your other income, netting against other gains, losses and carryovers, the 3.8% tax, inherited and gifted basis, and the long-term gain you could still take at 0%. Tax Bracket CalculatorUpdated for 2026Your 2025 or 2026 federal tax bracket, your average tax rate, and what your next dollar of wages, business profit, retirement income, interest or gains really costs, counting Social Security and Medicare, the child and earned income credits, Social Security taxation and the 0% gains rate.
Insurance & Risk
Credit & Debt
- Mortgage Payoff CalculatorHow much sooner your mortgage is paid off and how much interest you save with extra payments, what a recast does, when PMI ends, and whether investing the money instead would leave you ahead. Debt Payoff CalculatorWhen your credit cards and loans are paid off, and the interest you pay, highest rate first, smallest balance first or with the extra split evenly; what paying only the minimums costs; and whether a consolidation loan or balance transfer saves money. Auto Loan CalculatorA car loan’s monthly payment, interest and total with sales tax, fees, a rebate and a trade-in, including what you still owe on it, with a dealer’s low rate weighed against its rebate and a lease quote against buying. Auto Loan Refinance CalculatorWhether refinancing a car loan, paying extra, or both costs less than keeping it, counting the fees and what you’d still owe, with the month refinancing pulls ahead. Personal Loan CalculatorA personal loan’s monthly payment, interest and fees, what you receive after the origination fee and its APR with the fee counted, up to three offers ranked, what paying it off early saves, and the APR of payday, title and pay-in-4 loans.
Education Funding
Real Estate
- Home Affordability CalculatorHow much house you can afford: the price that fits the housing budget you set, with upkeep counted, beside what a lender could approve under Fannie Mae, FHA or VA limits and the most they allow, tested against your savings, rising costs and an adjustable rate. Refinance CalculatorWhether refinancing your mortgage, or paying points for a lower rate, costs less than keeping your loan over the years you keep the new one, counting closing costs, mortgage insurance and what you’d still owe, with the month it pulls ahead and the month a longer term falls behind. Home Equity Loan CalculatorWhat borrowing against your home costs with a home equity loan, a HELOC or a cash-out refinance over the years you’d carry the debt, with the line’s payment when repayment starts and how much each lets you borrow. Mortgage CalculatorThe monthly payment on a home with taxes, insurance and mortgage insurance for conventional, FHA and VA loans, when the insurance ends, and down payments compared at one price. Rent vs Buy CalculatorUpdated for 2026Buying against renting a similar home over the years you’d stay: what each leaves after selling and tax, when buying pulls ahead, and the rent at which they come out even.
Cash Flow
- CD CalculatorUpdated for 2026What a CD earns at its APY or interest rate, what breaking it early costs and the rate that makes moving the money pay off, and what it keeps after tax beside a Treasury bill, savings account or municipal bond. Emergency Fund CalculatorHow large an emergency fund to keep from your essential costs and the months without pay you want covered, with unemployment benefits, a large bill, a disability wait or lean months, how long saving takes, and what to keep in checking.
Employee Benefits & Compensation
- Health Plan Comparison CalculatorUpdated for 2026Which way of covering you, your spouse and your children with employer health plans costs least: an HSA-eligible plan or a PPO or HMO, one employer’s plans or both, after premiums, care, HSA money and the tax they save, this year, in a bad year and by 65. 401(k) CalculatorUpdated for 2026The rate that gets your whole employer match, what it grows to by retirement with raises and the IRS limits rising, what that is worth after tax, whether Roth or pretax leaves you more, and your after-tax room this year.
Government Benefits
- IRMAA CalculatorUpdated for 2026Your Medicare IRMAA surcharge for Part B and Part D from the income on your return two years earlier, for one person or a couple, with the full bracket table, how far you are from the next bracket, and your whole premium with any late-enrollment penalties. Social Security CalculatorWhen to claim Social Security, single, married, widowed or divorced: your benefit at every age from 62 to 70 from your Statement or your earnings, spouse’s and survivor’s benefits, each choice valued by your life expectancy, break-even ages and the earnings test. FERS Retirement CalculatorYour FERS pension at the retirement date you choose: MRA+30, 60 with 20, 62 with 5 or MRA+10 and what postponing it saves, sick leave, the survivor reduction, and the FERS supplement from your federal pay with the earnings test.
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