FinanceToolz
Free Financial Calculators
Professional calculators for mortgages, investments, retirement, taxes, and budgeting. Make informed financial decisions with ease.
Real Estate & Mortgages
Buy, refinance, or rent: figure out what makes sense.
Mortgage Calculator
Monthly principal and interest, PMI, taxes and insurance, with a full amortization schedule.
Mortgage Refinance Calculator
Monthly savings, lifetime interest saved and the break-even month on a refinance.
Home Affordability Calculator
The home price your income supports under the 28/36 rule, with a full PITI breakdown.
Other Calculators
Rent vs Buy Calculator
Year-by-year breakeven between renting and buying, including appreciation and opportunity cost.
Rental Property Calculator
Cash flow, depreciation and after-tax return on a rental, through to the year you sell.
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FHA Loan Calculator
FHA payment with upfront and annual mortgage insurance and the minimum down payment.
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HELOC Calculator
How much you can borrow against your home and the payment in the draw and repayment periods.
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Tax Planning
2026 federal and state income tax, paychecks and investment gains.
US Tax Calculator 2026
Federal and state income tax for 2026, with marginal and effective rates and a bracket breakdown.
Child Tax Credit Calculator
Your Child Tax Credit, the refundable portion and the income phase-out.
Other Calculators
ACA Subsidy Calculator
Estimate your premium tax credit for marketplace health insurance.
Paycheck Calculator
Take-home pay after federal, state and FICA withholding for every pay frequency.
Capital Gains Tax Calculator
Short-term and long-term capital gains tax, plus the net investment income tax.
Other Calculators
Self-Employment Tax Calculator
Self-employment tax, the half-SE deduction and the QBI deduction for freelancers.
Hourly to Salary Calculator
Convert an hourly wage to annual, monthly and weekly pay, and back again.
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Lottery Payout Calculator
Lump sum versus annuity on a jackpot, after federal and state tax.
Retirement & Savings
401(k), IRAs, HSA, Social Security, RMDs and savings growth.
401(k) Calculator 2026
Project your 401(k) balance with employer match, annual limits and catch-up contributions.
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Retirement Withdrawal Calculator
How long your savings last at a given withdrawal rate.
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Roth IRA Calculator 2026
Tax-free Roth IRA growth, contribution limits and the income phase-outs.
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Roth Conversion Calculator
The tax cost of converting now against the tax saved later.
Other Calculators
Solo 401(k) Calculator
Employee and employer contributions to a Solo 401(k), and the combined limit.
Other Calculators
HSA Calculator
HSA contributions, the triple tax advantage and long-term growth.
Social Security Calculator
Compare claiming at 62, full retirement age and 70, with the breakeven age.
Annuity Calculator
How a lump sum and regular contributions grow inside an annuity.
Loans & Debt
Auto, student, credit card and personal loans.
Auto Loan Calculator
Monthly car payment and total interest, with a side-by-side term comparison.
Other Calculators
Student Loan Calculator
Federal repayment plans (RAP, IBR, PAYE, Standard) with forgiveness breakeven.
Credit Card Payoff Calculator
Compare snowball, avalanche and minimum-payment strategies.
Loan Payment Calculator
Monthly payment and total interest for any fixed-rate loan.
Other Calculators
Family & Estate Planning
College savings, life insurance, estate tax and household budgeting.
529 College Savings Calculator
Project your 529 balance against future college costs.
Other Calculators
Life Insurance Calculator
How much cover you need, by the DIME, income multiple and human life value methods.
Estate Tax Calculator
Federal estate tax plus the state estate and inheritance taxes that apply.
Budget Calculator
Track income and spending against the 50/30/20 rule.
Other Calculators
Basic Financial Tools
Time value of money fundamentals: interest, inflation and growth.
Interest Calculator
Simple and compound interest at any compounding frequency.
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Savings Calculator
Project a savings balance from deposits and interest.
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Inflation Calculator
What a dollar amount is worth after inflation, past or future.
Future Value Calculator
What a sum and regular contributions grow to over time.
Other Calculators
Bond Calculator
Bond price, yield to maturity and current yield.
APR Calculator
The true annual cost of a loan once fees are included.
CD Calculator
Interest earned on a certificate of deposit at maturity.
Other Calculators
Investment Calculator
Compare taxable, traditional and Roth accounts with monthly contributions.
Financial Planning Guides
Plain-English guides to the rules behind the numbers, with worked examples.
Why Choose FinanceToolz?
100% Free
All calculators are completely free to use
Global Support
Multiple regions supported with localized calculations
Private
Your data stays in your browser - we don't store anything
Instant Results
Get immediate calculations with detailed breakdowns