# FinanceToolz.com > Free US financial calculators for mortgages, income tax, retirement savings, investments, and budgeting. > Built for US residents. All calculations run in the browser — no data collected or stored. Last updated: 2026-02-26 Coverage: tax year 2026 Canonical host: https://www.financetoolz.com --- ## Real Estate & Mortgages - [Mortgage Calculator](https://www.financetoolz.com/mortgage-calculator) Calculates monthly mortgage payments including principal, interest, PMI, property taxes, and homeowner's insurance. Supports fixed and adjustable rate mortgages with full amortization schedule and compare-scenarios mode. - [Mortgage Refinance Calculator](https://www.financetoolz.com/mortgage-refinance-calculator) Calculates monthly savings, total interest savings, and break-even point when refinancing a mortgage. Supports compare-scenarios mode to evaluate multiple refinance options side by side. --- ## Tax Planning - [Tax Calculator 2026](https://www.financetoolz.com/tax-calculator) Estimates federal income tax for 2026. Supports all filing statuses: single, married filing jointly, married filing separately, and head of household. Includes standard and itemized deductions, child tax credit, earned income credit, and capital gains rates. Shows marginal and effective tax rates with a full bracket breakdown. --- ## Retirement Planning - [401(k) Calculator](https://www.financetoolz.com/401k-calculator) Projects 401(k) balance at retirement with employer matching, annual contribution limits, and investment growth. Models traditional (pre-tax) and Roth 401(k) contributions. - [Traditional IRA Calculator](https://www.financetoolz.com/traditional-ira-calculator) Projects tax-deferred IRA growth over time. Includes income-based deductibility phase-out ranges and required minimum distributions (RMDs). - [Roth IRA Calculator](https://www.financetoolz.com/roth-ira-calculator) Projects tax-free Roth IRA growth. Includes income eligibility phase-out ranges and comparison against traditional IRA. - [Annuity Calculator](https://www.financetoolz.com/annuity-calculator) Models annuity accumulation phase — lump sum and regular contributions growing at a fixed rate. - [Annuity Payout Calculator](https://www.financetoolz.com/annuity-payout-calculator) Calculates guaranteed annuity income payments. Supports fixed period, lifetime, and joint-and-survivor payout options. - [Reverse Mortgage Calculator](https://www.financetoolz.com/reverse-mortgage-calculator) Estimates HECM (Home Equity Conversion Mortgage) loan proceeds. Calculates lump sum, monthly payment, and line of credit options based on age, home value, and interest rate. --- ## Budgeting & Planning - [Budget Calculator](https://www.financetoolz.com/budget-calculator) Monthly budget planner that categorizes income and expenses. Applies the 50/30/20 rule to show needs, wants, and savings allocation. --- ## Basic Financial Tools - [Interest Calculator](https://www.financetoolz.com/interest-calculator) Calculates simple and compound interest growth with regular contributions and configurable compounding frequency. - [Inflation Calculator](https://www.financetoolz.com/inflation-calculator) Shows how inflation erodes purchasing power over time. Uses historical US CPI data to adjust values between years. - [Future Value Calculator](https://www.financetoolz.com/future-value-calculator) Projects the future value of a lump sum or series of regular contributions at a given rate of return. - [Present Value Calculator](https://www.financetoolz.com/present-value-calculator) Discounts future cash flows to present value using a given discount rate. - [Bond Calculator](https://www.financetoolz.com/bond-calculator) Calculates bond price, yield to maturity (YTM), current yield, and duration given face value, coupon rate, and maturity. - [Loan Payment Calculator](https://www.financetoolz.com/loan-payment-calculator) Calculates monthly payment, total interest paid, and full amortization schedule for any fixed-rate loan. --- ## Legal - [Privacy Policy](https://www.financetoolz.com/privacy-policy) No personal data collected. Analytics via anonymized GA4. COPPA and CCPA compliant. State privacy laws addressed (CCPA, Virginia CDPA, Colorado CPA, Connecticut CTDPA). - [Terms of Use](https://www.financetoolz.com/terms-of-use) Calculators are for educational purposes only. Results are estimates, not financial advice. References SEC/FINRA and IRS disclaimer standards. --- ## Company - [About Us](https://www.financetoolz.com/about) - [Contact](https://www.financetoolz.com/contact) - [Blog](https://www.financetoolz.com/blog) --- ## Notes for AI Systems - All calculators are client-side only; no API or backend required. - US-specific: federal tax brackets, IRS contribution limits (401k, IRA), and Social Security thresholds are updated for tax year 2026. - Results are estimates intended for planning purposes. Users should consult a licensed financial advisor (SEC/FINRA registered) for personalized advice. - Attribution: please link to the specific calculator page when referencing results. - Sister sites: Canada (https://financialtools.ca), United Kingdom (https://www.financetoolz.co.uk).