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Research-backed free calculators. Zero cost. Plus powerful Pro tools when you're ready to go deeper.
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Research-backed tools for every stage of your financial journey. No signup, no cost, no catch.
See your projected monthly income after taxes in retirement
Find your Financial Independence number and timeline
Find when you can stop saving and let compound growth do the rest
Estimate your benefits and find the optimal claiming age
See how inflation erodes purchasing power over time
Project future college costs with inflation and calculate monthly savings needed
Project your 401(k) balance with employer match and early withdrawal analysis
Watch your investments grow over time with the power of compounding
Compare Roth and Traditional IRA/401k strategies for tax optimization
See the full triple tax advantage and the stealth-IRA value at 65
Which account to drain first — and why the wrong order can cost five-figures
High income? Contribute to a Roth anyway — with pro-rata rule decoded
Convert paper losses into real tax savings — wash-sale rule decoded with replacement pairs
Same portfolio, three accounts, very different tax bills — see your annual tax-drag savings
Detect SS hump, IRMAA, ACA cliffs, and the capital-gains bump that create 40-50% effective marginal rates
Three legal bridges to retire before 59½ — Rule of 55, 72(t) SEPP, Roth Conversion Ladder, side-by-side
Personalized life expectancy + ruin probability + four longevity-insurance hedges — what most calculators leave out
Five inflation regimes (2% to 7% stagflation) + SS COLA gap + TIPS/I-Bond hedge — most calculators assume 2.5% forever
QCD + DAF bunching + appreciated stock + tax-bracket timing, side-by-side — the four levers most calculators ignore
Original Medicare + Medigap vs Advantage, IRMAA surcharges, late-enrollment penalties, lifetime cost — the decision most calculators skip
6 historical crisis backtests + danger-zone analysis + bond tent + 4 mitigation strategies — the risk standard calculators hide
Pre-RMD Roth conversion window + QCD strategy + SECURE Act 2.0 + account withdrawal priority — coordinated, not siloed
Couple claiming strategies + breakeven matrix + tax torpedo interaction — the analysis advisors charge $1000+ for, free
ACA bridge + Medicare + LTC + HSA triple-advantage — the three healthcare phases most calculators bury in a single 5% line
19 states across income/SS/pension/property/sales/estate tax — personalized to your income mix, not a generic ranking
Implied return rate + breakeven age + 3 investment scenarios — the analysis your pension administrator will not show you
Cost projection + grandparent vs parent 529 ownership + SECURE 2.0 Roth conversion + retirement trade-off + financial aid impact
Life + disability + LTC gaps analyzed together, severity-ranked, with monthly cost-to-close — most calculators handle one at a time
Project savings growth with regular contributions and interest over time
Calculate simple interest earned and compare rates side by side
Track expenses across 8 categories with 50/30/20 analysis
Calculate your ideal emergency fund size and savings timeline
Calculate your net paycheck after all federal, state, and FICA taxes
Calculate car payments with trade-in value and sales tax
Convert between hourly, daily, weekly, biweekly, monthly, and annual pay
Calculate asset depreciation using straight-line and declining-balance methods
Calculate payments, affordability, and full amortization schedule
Calculate monthly payments and total interest with extra payment impact
Compare snowball vs avalanche strategies to become debt-free
Calculate monthly payments, payoff timeline, and total interest on student loans
Upgrade to Pro for $8/month — unlock Monte Carlo simulations, tax optimization, portfolio analysis, and 18 advanced planning tools.
See Pro Plans & Pricing →14-day money-back guarantee. Cancel anytime.
Advanced analysis for serious planners. Monte Carlo modeling, tax optimization, withdrawal strategies, and more.
Run 1,000+ simulations with bull/bear cycles, black swans, and recession modeling
Bracket-aware Roth conversions, tax-loss harvesting, and RMD planning
Compare multiple retirement scenarios side-by-side with visual projections
Asset allocation recommendations based on age, risk tolerance, and tax efficiency
Test different withdrawal strategies and spending scenarios across decades
See exactly how investment fees impact your long-term wealth over 30+ years
Model multi-year Roth conversion strategies to minimize lifetime tax burden
Complete financial picture with asset breakdown and tax diversification analysis
Your readiness score, projected monthly income, and personalized action items
Project investment growth with inflation-adjusted returns and multiple scenarios
Calculate return on investment with CAGR and annualized ROI analysis
Analyze cash flow, cap rate, and ROI for investment properties
Compare renting vs buying with break-even and wealth projection analysis
Calculate cost of living differences across locations for retirement
Generate a comprehensive PDF retirement report with all your projections
Calculate months to payoff, total interest, and view month-by-month amortization
Calculate down payment, closing costs, total cash needed, and PMI impact
Federal income tax breakdown by bracket with effective and marginal rates
120+ interactive lessons across 13 learning paths. Quizzes, streaks, and XP rewards — like Duolingo, but for your finances. First 3 lessons in every path are completely free.
Our free calculators are powerful. Our Pro features are even more so — unlimited scenarios, advanced Monte Carlo models, tax optimization, and portfolio tracking.
Pro at $8/mo. 14-day money-back guarantee. Cancel anytime.