Financial Calculators — Free &amp; Transparent

001

50/30/20 Budget Calculator

Build a 50/30/20 budget from your income and see exactly where every dollar should go

002

Savings Rate Calculator

Calculate your savings rate and see how it affects your path to financial independence. FI number, years to FI, projected retirement balance, and a sensitivity table across 5–70% savings rates.

Formula

FI number = annual_expenses × 25 (4% rule)

003

Debt Payoff Calculator

Compare debt snowball vs avalanche — find your fastest path to debt freedom

Formula

Payoff = -n × ln(1 - i×P/M) / ln(1+i)

004

Live

Retirement Savings Calculator

Find out if you're on track to retire comfortably. See your projected balance, inflation-adjusted income, and exactly how much more to save each month to close any gap.

Formula

FV = PMT × [(1+r)ⁿ - 1] / r

005

Net Worth Calculator

What are you actually worth? Enter assets and liabilities (including business equity and business loans) — get net worth, liquid net worth, debt-to-asset ratio, wealth rating, next milestone, and a 10-year trajectory.

Formula

net worth = total assets − total liabilities

006

Financial Snapshot

Four calculators chained into one: net income after SE tax → full tax picture → monthly cash flow → retirement projection. Generates a shareable snapshot of your entire financial picture.

Formula

Income → Tax → Cash Flow → FV = PV(1+r)ⁿ + PMT[(1+r)ⁿ−1]/r

007

Retirement Readiness Score

Are you actually on track to retire? Get a 0–100 readiness score based on projected balance, 4% rule income, Social Security, and your monthly expense target. Includes employer match modeling and Fidelity age benchmarks.

Formula

FV = PV×(1+r)ⁿ + PMT×((1+r)ⁿ−1)/r → income = FV×4%÷12

008

Roth vs Traditional IRA

Compare Roth and Traditional IRA after-tax outcomes side by side. Enter your current and expected retirement tax brackets to see which account wins, the break-even retirement rate, and whether a Roth conversion makes sense for your situation.

Formula

Roth net = contribution × (1+r)^n, Trad net = FV × (1−tax_rate)

009

Loan Comparison Calculator

Compare up to 3 loan offers side by side — monthly payment, total interest, and true cost.

010

Debt-to-Income Ratio Calculator

DTI is the primary number lenders use to approve mortgages. Contractors get flagged because lenders use 2-year net income, not gross revenue. See your front-end and back-end DTI, loan qualification status, and exactly how much debt to pay off or income to add to qualify.

Formula

DTI = total_monthly_debt ÷ gross_income × 100

011

Effective Tax Rate Calculator

Your marginal bracket isn't what you actually pay. See your combined effective rate across federal, SE/FICA, and state — for W-2 or 1099 income. Bracket breakdown, take-home pay, and income scenario table.

Formula

effective_rate = total_tax ÷ gross_income

012

Social Security Estimator

Estimate your Social Security benefit at different claiming ages — 62, 67, or 70.

013

Federal Income Tax Estimator

Estimate your 2024 federal income tax, effective rate, and refund or amount owed. Includes bracket breakdown, itemized deductions, and withholding analysis.

014

Payoff vs Invest

Should you pay off your mortgage early or invest the extra? Punch in your numbers, see both paths side by side, get a plain-English recommendation.

015

Stock Profit/Loss Calculator

Calculate your stock trade profit or loss including taxes and fees

016

Portfolio Rebalancer

Find out exactly how much to buy or sell to rebalance your investment portfolio

017

Wheel Strategy Scanner

Systematic options income engine. Sell cash-secured puts, collect premium, sell covered calls. Connected to Alpaca paper trading.

018

Options Profit Calculator

Calculate profit, loss, and breakeven for call and put options strategies.

019

Currency Converter

Convert between currencies with live-ish rates and historical context

020

Politician Trade Signals

Live feed of politician stock trades scraped from Capitol Trades. Searchable, filterable, with alerts when your watchlist gets hit.

021

Live

Compound Interest Calculator

See how your money grows with compound interest and regular contributions. Watch year-by-year growth, apply the Rule of 72, and see the real power of compounding.

Formula

A = P(1 + r/n)^(nt)

022

Emergency Fund Calculator

1099 contractors have no unemployment insurance — your emergency fund IS your safety net. Find your recommended fund size based on employment type and income stability, then see exactly when you'll be fully funded.

Formula

target = monthly_expenses × recommended_months

031

Equity & Stock Options Calculator

Model the tax impact of ISO, NSO, and RSU equity grants. Compare sell-now vs hold-to-exit scenarios, calculate AMT spread for ISOs, and see your true net after federal, state, and capital gains taxes.

Formula

net = gain − (ordinary_tax + LTCG_tax)

032

Business Loan Affordability Calculator

Calculate monthly payments, total interest, and whether you can actually afford a business loan. Shows DSCR (Debt Service Coverage Ratio) with lender thresholds, maximum affordable payment, and a 12-month amortization table.

Formula

DSCR = net_operating_income / annual_debt_service

035

Financial Independence Number Calculator

Calculate your FI number at three expense tiers: essential-only, full lifestyle, and dream life. See years to each tier at your savings rate, your Coast FI number, and the monthly savings needed to retire by your target age.

Formula

FI number = annual_expenses ÷ 0.04

039

Real Estate Investment Calculator

Evaluate rental property deals with cap rate, cash-on-cash return, monthly cash flow, the 1% rule check, and a 10-year equity projection. Full mortgage payment and operating expense breakdown included.

Formula

cash-on-cash = annual_cashflow / down_payment

041

Contractor Retirement Catch-Up Calculator

Compare your current retirement savings pace vs an aggressive catch-up scenario. Projected balance at retirement, monthly income (4% SWR), milestone timeline, and Solo 401k contribution limits for self-employed contractors.

Formula

FV = PV×(1+r)^n + PMT×((1+r)^n − 1)/r

043

Time Value of Money Calculator

Solve any TVM variable: present value, future value, payment, interest rate, or number of periods. Supports ordinary annuity and annuity-due with amortization schedule and sensitivity analysis.

046

Annual Review Calculator

Run a personal CFO review on your contracting year. Score profit margin, collection rate, tax efficiency, retirement savings rate, and net worth growth on a 0-100 scale with prioritized goals for next year.

047

Contractor Credit Score Impact Calculator

1099 contractors: see what lenders actually use as your income (net SE, not gross), calculate front-end and back-end DTI, get loan qualification likelihood, and credit improvement actions ranked by impact.

049

Working Capital Calculator

Calculate your working capital ratio, days of runway, and asset/liability breakdown as a freelancer or contractor. Get prioritized recommendations to improve liquidity before a cash crunch hits.

Formula

ratio = current_assets / current_liabilities

051

Personal Inflation Calculator

Calculate your personal inflation rate based on your actual spending mix — housing, groceries, healthcare, and more. See how your cost-of-living increase compares to the official CPI and the salary raise you need just to break even.

Formula

personal_inflation = Σ(spending_weight × price_change)

054

3-Month Cash Flow Forecast

Model your next 3 months of cash flow as a freelancer or contractor. Separate invoices sent from collections received, flag negative cash months, calculate runway, and see what reserve balance you need to cover 3–6 months of expenses.

Formula

net_cashflow = collections − (fixed + variable + taxes)

058

HSA Contribution Optimizer

Calculate your 2024 HSA contribution limit, federal tax savings at your marginal rate, and 20-year investment growth. See exactly how the government subsidizes every dollar you put in the only triple-tax-free account.

Formula

tax_savings = contribution × marginal_rate

091

Invoice Due Date Calculator

Enter an invoice date and payment terms (Net 15/30/45/60) to get the exact due date, follow-up reminder date, and overdue status. Includes .ics calendar export with a 3-day reminder.