All Calculators
40 free financial calculators. Every input stays in your browser — no data is ever uploaded or stored.
Financial Health
See where you stand against US household data
Net Worth Percentile
See where you rank by age × income — 2022 Fed SCF data.
OpenIncome Percentile
How does your income compare? 2023 Census ACS data.
OpenAm I Rich?
Blended income + net worth percentile scoring with 6 richness tiers.
OpenFinancial Health Score
Quick check: savings rate, debt, emergency fund, net worth.
OpenFIRE & Retirement
Plan your path to financial independence
FIRE Calculator
Can you retire early? 4% rule + expenses + projection chart.
OpenSafe Withdrawal Rate
Stress-test the 4% rule with 1,000 Monte Carlo simulations. $1M at 4% = 95% success over 30 years.
OpenCoast FIRE
Find your stop-saving threshold. At age 30 targeting $1M by 65 at 7%, your Coast FIRE number is ~$93,700.
OpenLean FIRE
Achieve financial independence on a frugal budget with minimalist living expenses.
OpenBarista FIRE
Cover the gap between expenses and part-time income through investment withdrawals.
OpenSavings Rate
Calculate your savings rate and see how quickly you can build wealth.
OpenFI Number
Your Financial Independence target — the nest egg you need to retire.
OpenFinancial Independence
How many years until you reach FI based on savings rate and returns.
OpenRoth Conversion Ladder
Pre-pay taxes in low-income years to access IRA money before 59½.
OpenPre-Medicare Gap
Estimate ACA premiums and subsidies from early retirement to age 65.
OpenSocial Security Break-Even
Claim at 62, 67, or 70? Find the break-even age for each choice.
OpenInvesting & Growth
Understand how your money grows over time
Compound Interest
$10K + $500/mo at 7% grows to ~$311K in 20 years — $181K from compound growth alone.
OpenDollar-Cost Averaging
$500/mo for 10 years at 8% grows to ~$91K. Lump sum wins ~2/3 of the time, but DCA reduces timing risk.
OpenInflation
At 3% inflation, $100,000 today = $55,368 buying power in 20 years.
OpenOpportunity Cost
What else could your money be doing? Compare spending vs investing.
OpenEducation Inflation
How fast are college costs rising? Plan your 529 savings.
OpenHousing & Debt
Make smarter decisions about your biggest expenses
Rent vs Buy
$400K home vs $2,000/mo rent — buying breaks even after ~8 years in most markets.
OpenMortgage Calculator
$320K loan at 6.5% = $2,022/mo P&I. See full amortization schedule.
OpenRent Affordability
How much rent can you afford based on your income?
OpenCredit Card Payoff
$5,000 at 22% APR, $200/mo = 32 months and $1,400 in interest. See your debt-free date.
OpenReal Cost of Debt
See the true cost of your debt including interest and lost investment returns.
OpenSavings & Goals
Plan and track your savings targets
Savings Goal
Need $25K? From $5K at $500/mo, you'll get there in ~3 years. See your savings path.
Open50/30/20 Budget
Split your income into needs, wants, and savings.
OpenBudget Planner
Comprehensive budget with income, expenses, and savings goals.
OpenSimple Budget
Quick monthly budget overview.
OpenGrocery Budget
Estimate your monthly grocery spending based on household size.
OpenSubscription Cost
See the lifetime cost of your recurring subscriptions.
OpenSubscription Audit
Audit all subscriptions and find savings.
OpenLifestyle Inflation
How much has your spending crept up with income?
OpenLatte Factor
Small daily expenses add up to shocking lifetime totals.
OpenHourly Cost
See purchases in hours of your life, not dollars.
OpenIncome & Salary
Understand and optimize your earnings
Salary Comparison
Compare your salary across different cities adjusted for cost of living.
OpenCost of Living Compare
Compare salary value between two cities side by side.
OpenRaise vs New Job
Is a raise or a new job the better financial move?
OpenPaycheck Calculator
Estimate your take-home pay after taxes and deductions.
OpenPassive Income
How much do you need invested to generate target passive income?
Open