Tools · Calculators

Tools.
Run the numbers yourself.

UPDATED·CALCULATORS95
Each calculator shows its assumptions and sources on its own page. Results are estimates, not guarantees.

Free calculators for budgeting, debt, saving, investing, retirement, taxes and Bitcoin. Each one answers a specific question. They run in your browser: no account, and nothing you type leaves your device.

Tools tagged US rules use US accounts and tax law. Tools tagged with a year model that year’s limits and brackets; check the tool’s assumptions before using it for a later year.

Which calculator should I use?

Some calculators look alike but answer different questions.

Bitcoin: buying on a schedule
Bitcoin DCA Calculator: a fixed amount every week or month from a chosen start year, priced with daily closes, with a chart, a lump-sum comparison and CSV export. Sats Accumulator: how many months of buying it takes to reach a sats target. Lump Sum vs DCA Backtest: whether to invest a pot all at once or spread it out, for stocks or Bitcoin.
Roth conversions
Roth Conversion Calculator: how much to convert this year to fill a bracket, and whether converting beats waiting. Roth Conversion Sweet Spot: the largest conversion that stays under a chosen bracket ceiling, including state tax. Roth Conversion Ladder Planner: a year-by-year ladder for retiring before 59½, with the bridge you need to cover the five-year wait.
Financial independence
FIRE Calculator (with Bitcoin): your target and timeline at 3, 3.5 or 4% withdrawal rates, with or without Bitcoin. FIRE & Coast-FIRE Number: your target, a Coast-FIRE number and years to FI across bear, base and bull returns, from your age. Savings Rate to FI: how many years a given savings rate buys, since saving more also lowers what you must fund.
Retirement checks
Retirement On Track Check: a quick yes, almost or no from age, savings, contributions and target income. Retirement Success Rate: how a spending plan would have fared through every historical market sequence since 1928. Bitcoin Retirement Planner: retirement savings with and without a Bitcoin allocation, under bear, base and bull scenarios.
Debt
Debt Payoff Calculator: several debts: avalanche versus snowball versus investing the extra, over ten years. Debt vs Invest Calculator: one debt: is its after-tax rate above or below your expected return? Credit Card Payoff Calculator: one card: how long the minimum payment takes and what an extra payment saves.
Roth or Traditional
Roth vs Traditional Calculator: yearly contributions over many years, with an optional Bitcoin slice inside the Roth. Roth vs Traditional Breakeven: one contribution, and the retirement tax rate at which both choices tie.
Social Security timing
Social Security Break-Even: break-even ages for claiming at 62, full retirement age or 70. Social Security Bridge: the IRA withdrawals needed to cover the gap if you retire at full retirement age but delay claiming to 70.

Budgeting and spending

Where your paycheck goes, what you can cut, and what a household really costs.

What should I do with my next dollar right now?Financial Order of OperationsA yes/no decision tree that routes you to your current step in the 9-step Financial Order of Operations framework.US rulesBeginnerWhat could this purchase grow to if I invested the money instead?Opportunity Cost CalculatorShows what a one-time or recurring purchase could grow into over 10 to 40 years if invested instead, versus losing value to inflation as cash.BeginnerWhere should each dollar of my paycheck go after I cover essentials?Paycheck AllocatorSplits take-home pay across essential spending, 401(k), Roth IRA, emergency fund, Bitcoin DCA and discretionary spending.US rulesModels 2026BeginnerHow much of my spending could I realistically cut?Spending AuditEstimates recoverable margin in groceries, subscriptions, delivery and household supplies from your monthly spending by category.BeginnerHow much will the first year of having a baby actually cost?Baby Cost EstimatorEstimates first-year baby costs across birth, childcare, leave gap, gear, and feeding, and gives a savings target before the due date.US rulesBeginnerWhat should I actually say to get my internet, phone, or insurance bill lowered?Bill Negotiation ScriptsWord-for-word negotiation scripts for internet, cell phone, car insurance, credit card APR, medical bills, and rent renewal.US rulesBeginnerHow should I allocate my paycheck across spending categories?Budget BuilderEnter income and expenses to get a personalized budget with percentage breakdowns versus targets.US rulesBeginnerWhat does life actually cost where I live?Cost of Living CalculatorEnter your city and household to see a full monthly budget pre-populated with local cost data.US rulesModels 2026BeginnerWhat does this purchase actually cost per time I use it?Cost Per Use CalculatorEnter a purchase price and expected uses, optionally against an alternative, to see real cost per use.Beginner

Debt and credit

Payoff order, payoff dates, true borrowing costs and debt-to-income.

What is the real APR on a payday loan, and what do rollovers actually cost?Payday Loan True-Cost CalculatorCalculates the real APR on a payday loan from the fee and term, and totals the cost of repeated rollovers.US rulesBeginnerWhich credit card or card combo earns me the most cashback?Card ComparisonEnter monthly spending by category to compare cashback across a flat 2% card and a category-stacking strategy.US rulesBeginnerWhat does 2% credit card cashback become if I invest it instead of spending it?Cashback CompounderProjects the future value of auto-invested credit card cashback based on monthly spend and return assumption.US rulesBeginnerHow much faster can extra payments pay off a credit card?Credit Card Payoff CalculatorEnter balance, APR, and an extra payment to compare the minimum-only payoff timeline against paying more.BeginnerShould I use debt avalanche, snowball, or invest my extra payments?Debt Payoff CalculatorEnter multiple debts to compare avalanche, snowball, and investing strategies with a 10-year net worth projection.Is my debt rate high enough that paying it off beats investing?Debt vs Invest CalculatorEnter debt balance, APR, and expected return to see which move wins, adjusted for a tax deduction if it applies.What is my debt-to-income ratio and will it qualify me for a mortgage?Debt-to-Income CalculatorEnter income and monthly debts to see front-end and back-end DTI and which payoff improves it most.US rulesBeginnerWhich income-driven student loan repayment plan is cheapest for me?Student Loan IDR ComparisonCompares federal Standard, IBR, PAYE and the closed SAVE plan on monthly payment, total interest and forgiveness timeline; the new RAP plan is not modeled.US rulesModels 2026

Saving and cash

Emergency funds, where to keep cash, and what inflation does to savings.

How much interest am I losing by keeping savings at a big bank instead of a HYSA?Banking Yield CalculatorCompares interest earned on savings at a typical big-bank rate versus a high-yield savings account rate over time.US rulesBeginnerHow many months of expenses do I actually need saved?Emergency Fund CalculatorEnter your real fixed monthly costs to see 3, 6, 9, and 12 month emergency fund targets.BeginnerWhat is my net worth, and how self-sovereign is my financial setup?Net Worth + Sovereignty ScoreTracks assets, liabilities and Bitcoin allocation and scores self-custody, debt and emergency-fund habits with a sovereignty score.US rulesUses saved priceBeginnerHow many years until inflation erodes a set percentage of my cash savings?Break-Even Inflation CalculatorShows years to lose 10 to 50 percent of purchasing power at your savings APY versus current inflation, compared across account types.US rulesBeginnerHow much would a CD ladder earn versus one lump CD?CD Ladder BuilderSplit a lump sum across 3 to 7 CD rungs and see per-rung interest, blended APY, and maturity dates.US rulesBeginnerHow much cash do I need to cover my highest insurance deductible?Deductible Coverage CalculatorEnter your deductibles to find your Financial Order of Operations Step 1 cash target and time to reach it.US rulesBeginnerHow long until I can afford a down payment, and should I pause retirement saving to get there faster?House Savings CalculatorEstimates time to a home down payment and whether pausing retirement contributions shortens it, with a rent-vs-buy check.US rulesBeginnerWhich cash option keeps more after taxes: SPAXX, FDLXX or a high-yield savings account?Money Market After-Tax YieldCompares money market funds, HYSAs, T-bills and CDs on an after-tax basis given your federal and state tax brackets.US rulesBeginnerHow does my net worth compare to other people my age?Net Worth by Age PercentileShows where your net worth falls in the US distribution for your age group, using Federal Reserve survey data.US rulesBeginnerWhich net worth milestone am I closest to reaching next?Net Worth Milestone TrackerTracks assets, liabilities and Bitcoin allocation against fixed net-worth milestones, saved in your browser.US rulesUses saved priceBeginnerWhat is my actual return after subtracting inflation?Real Return CalculatorCalculates real return, purchasing power gain or loss, and the break-even inflation rate from a nominal rate and inflation assumption.BeginnerHow does my savings rate change how many years until financial independence?Savings Rate to FIShows years to financial independence from income, expenses, savings rate, expected return and withdrawal rate.

Investing

Compounding, fees, lump sum versus spreading it out, and portfolio overlap.

How much will my savings grow with monthly contributions and compounding?Compound Interest VisualizerEnter a starting amount, monthly contribution, return rate, and years to see the compounding growth curve.BeginnerHow much do fund fees cost me over a full investing career?Expense Ratio ImpactCompares two funds with different expense ratios and shows the dollar difference over a chosen time horizon.BeginnerShould I invest a lump sum all at once or spread it out with dollar-cost averaging?Lump Sum vs DCA BacktestBacktests investing a lump sum immediately versus dollar-cost averaging it over 6 to 24 months, using S&P 500 or Bitcoin historical prices from a chosen start year.Does this decision actually create wealth once I discount it back to today?NPV Decision CalculatorApplies net present value to three common decisions: paying off debt versus investing, taking a job offer, or a lump-sum investment with ongoing return.US rulesWhat is my actual asset allocation once I combine every account I hold?Portfolio X-RayAggregates holdings across every account to show your true combined allocation across US stocks, international stocks, bonds, Bitcoin and cash.US rulesWhat does a dollar invested today become by retirement?Wealth MultiplierShows the multiplier a dollar invested today becomes by a target retirement age, and the cost of waiting one more year.Beginner

Retirement

Are you on track, when can you stop, which account, and how to draw it down.

What percentage do I need to contribute to get my full 401(k) match?401(k) Match OptimizerFinds the contribution percent needed to capture the full employer 401(k) match and shows the 30-year cost of missing it.US rulesBeginnerAm I on track to retire based on my age and savings?Retirement On Track CheckGives a quick yes, almost, or no verdict on retirement readiness using age, savings, contributions, and target income.US rulesBeginnerShould I use a Roth or Traditional account, and does adding bitcoin change the answer?Roth vs Traditional CalculatorCompares Roth and Traditional outcomes for your income and tax brackets, including a Bitcoin-in-Roth allocation scenario.US rulesBeginnerShould I claim Social Security at 62, 67, or 70?Social Security Break-EvenCompares monthly and lifetime benefit at 62, full retirement age, and 70 from your estimated FRA benefit.US rulesBeginnerHow much can I withdraw from my IRA before 59 1/2 without the 10% penalty?72(t) SEPP CalculatorCalculates the annual 72(t) SEPP distribution under the RMD, amortization, and annuitization methods for penalty-free early IRA access.US rulesHow does adding bitcoin to my retirement account change my outcome?Bitcoin Retirement PlannerProjects retirement savings under bear, base, and bull bitcoin scenarios and compares to a traditional-only portfolio.US rulesUses saved priceWhat is my FIRE number and my Coast-FIRE number?FIRE & Coast-FIRE NumberCalculates your financial-independence target, Coast-FIRE number, and years to FI across bear, base, and bull return scenarios.BeginnerWhat is my FIRE number, and how does holding Bitcoin change the timeline?FIRE Calculator (with Bitcoin)Estimates a financial-independence portfolio target across Lean, Standard, and Fat FIRE withdrawal rates, with an optional Bitcoin allocation.US rulesHow much of my retirement portfolio do I need to cover essential expenses?Floor and Enjoy PlannerSplits guaranteed income and essential expenses into a floor, then shows how much portfolio funds that floor versus what is left over to invest.US rulesHow much extra will I pay for Medicare because of my income from two years ago?IRMAA EstimatorEstimates your 2026 Medicare Part B premium and IRMAA surcharge tier based on MAGI from two years prior, with cliff warnings near tier boundaries.US rulesModels 2026What will Medicare actually cost me each month with Part B, Part D, and supplemental coverage?Medicare Cost EstimatorEstimates total monthly Medicare cost including Part B (with IRMAA), Part D, and a chosen supplemental plan based on income and coverage choices.US rulesModels 2026How much mega backdoor Roth capacity do I have left this year?Mega Backdoor Roth CapacityCalculates remaining mega backdoor Roth room from your salary, 401(k) contribution and employer match.US rulesModels 2026Should I take the pension annuity or the lump-sum buyout?Pension vs Lump Sum CalculatorFinds the break-even age and the return you would need on a pension lump-sum buyout, including how survivor benefits change the math.US rulesWhat is the chance my retirement savings last through every historical market cycle?Retirement Success RateRuns a retirement plan through every historical US market sequence since 1928 to show success rate and worst, median, and best outcomes.US rulesWhat is my required minimum distribution this year?RMD CalculatorCalculates this year's required minimum distribution from a prior-year balance and age using the IRS Uniform Lifetime Table.US rulesModels 2026How do I build a Roth conversion ladder to retire before 59.5 without penalty?Roth Conversion Ladder PlannerPlans year-by-year Roth conversions to access retirement money penalty-free before 59.5, with tax cost per rung.US rulesModels 2026At what future tax rate do Roth and Traditional accounts produce the same result?Roth vs Traditional BreakevenCompares after-tax Roth and Traditional account values and finds the retirement tax rate where both paths break even.US rulesBeginnerShould I bridge my income from savings to delay Social Security until 70?Social Security BridgeShows break-even age, lifetime benefit difference, and the IRA cost of bridging income while delaying Social Security to 70.US rulesIn what order should I withdraw from my retirement accounts?Withdrawal SequencerProduces a year-one retirement withdrawal plan across taxable, traditional and Roth accounts with IRMAA and RMD flags.US rulesModels 2026

Taxes

Brackets, estimates, Roth conversions and state capital-gains tax. Year-specific rules are labeled.

What will I actually owe in federal and state taxes this year?Full Tax EstimatorFull W-2 and self-employment tax estimate covering federal brackets, Bitcoin gains, dividends, SE tax, QBI, credits, and select states.US rulesModels 2026How much federal tax do I actually owe across each 2026 bracket?Tax Bracket Visualizer (2026)Breaks income into each 2026 federal tax bracket it crosses and shows the tax owed in each, by filing status.US rulesModels 2026BeginnerHow much of my backdoor Roth conversion will actually be taxed?Backdoor Roth Pro-RataShows how much of a backdoor Roth conversion is taxable when existing pre-tax IRA balances trigger the IRS pro-rata rule.US rulesHow much does an HSA's triple tax advantage actually save me over 10, 20, or 30 years?HSA Triple-Tax CalculatorCompares HSA growth against a taxable account over multiple time horizons using your tax bracket and contribution.US rulesModels 2026How much should I convert from Traditional to Roth this year?Roth Conversion CalculatorSizes a Roth conversion to fill your current tax bracket without spilling into the next one, using projected 2026 brackets.US rulesModels 2026What is the largest Roth conversion I can do without crossing into the next tax bracket?Roth Conversion Sweet SpotFinds the maximum conversion amount that stays under a target federal bracket ceiling, using 2026 brackets and deductions.US rulesModels 2026How much does my state add to the capital gains tax bill?State Capital Gains ComparatorCompares federal long-term capital gains tax plus state tax across two states side by side, using verified 2026 state rates.US rulesModels 2026

Bitcoin

Buying on a schedule, allocation, fees, custody, taxes and mining math.

What percentage of my portfolio should I hold in Bitcoin?Bitcoin Allocation RangeAnswers four questions on time horizon, drawdown tolerance, money purpose, and finances to suggest a Bitcoin allocation range.BeginnerDo I actually hold Bitcoin, or do I just have price exposure to it?Bitcoin Custody Sovereignty QuizEight-question quiz scores your Bitcoin custody setup from paper exposure to sovereign self-custody and lists what to fix.BeginnerWhat would buying Bitcoin every week or month have built?Bitcoin DCA CalculatorBacktest a fixed Bitcoin purchase every week or month from any start year since 2015, priced with daily closes, with a lump-sum comparison.Uses saved priceBeginnerHow much Bitcoin has been mined, how much is left, and when is the next halving?Bitcoin Halving CountdownTracks Bitcoin mined so far, remaining supply, and a live countdown to the next halving, with the full issuance schedule to 2140.BeginnerWhat is a given number of satoshis worth in bitcoin and dollars right now?Satoshi to USD ConverterThree-way converter between satoshis, bitcoin, and US dollars at the current market price.Uses saved priceBeginnerWhat happens to my portfolio if Bitcoin goes to zero, or 10x, or 100x?Bitcoin Allocation Risk ToolShows total portfolio value under four Bitcoin price scenarios (zero, flat, 10x, 100x) based on your current allocation.BeginnerWhat is my average cost basis and unrealized gain across all my Bitcoin buys?Bitcoin Cost Basis TrackerLogs Bitcoin purchases in the browser and shows weighted average cost basis, total BTC, unrealized gain or loss, and break-even price.Uses saved priceBeginnerHow much does a Bitcoin ETF's expense ratio cost me over decades versus holding my own keys?Bitcoin ETF Fees vs Self-CustodyProjects the lifetime dollar cost of a spot Bitcoin ETF's annual fee against self-custody at zero ongoing cost.US rulesIs it more tax-efficient to hold Bitcoin until death than to sell it now?Bitcoin Inheritance CalculatorCompares selling Bitcoin now against holding until death, showing the capital-gains tax an heir avoids under stepped-up basis.US rulesModels 2026Uses saved priceHow much would I save by tax-loss harvesting my Bitcoin?Bitcoin Tax-Loss HarvestingEstimates tax savings from harvesting a Bitcoin loss and immediately rebuying at the same price, by bracket and holding period.US rulesHow much will my Bitcoin transaction fee cost in sats and dollars?Bitcoin Transaction Fee EstimatorEstimates Bitcoin transaction fees in sats, BTC, and USD from UTXO count, address type, and current fee rate, comparing SegWit, Taproot, and Legacy.How would Bitcoin have performed against the S&P 500 over a given period?Bitcoin vs S&P 500 CalculatorCompares Bitcoin and S&P 500 (SPY total return) over a chosen date range and dollar amount, with total return, CAGR, and max drawdown.BeginnerFor this payment size, is Lightning or an on-chain Bitcoin transaction cheaper?Lightning vs On-Chain CostCompares Lightning and on-chain transaction fees for a given payment amount and current fee environment.Uses saved priceWhat would a salary, house, or grocery basket cost in bitcoin over time?Priced in BitcoinConverts a dollar amount into bitcoin at different points in history using real CPI and BTC price data.US rulesBeginnerHow long will it take to accumulate a target amount of bitcoin through monthly DCA?Sats AccumulatorProjects time to reach a satoshi or bitcoin savings goal at a flat price or under a chosen annual price-growth assumption.Uses saved priceBeginnerWhat are my real odds of solo mining a Bitcoin block?Solo Mining ProbabilityCalculates probability of finding a block per day, per year and over a lifetime from your hash rate and the network hash rate.Should I consolidate my Bitcoin UTXOs now or later?UTXO Consolidation AnalyzerCompares the fee cost of consolidating UTXOs now versus spending them individually later under different fee-rate assumptions.Uses saved price

Income and career

Raises, offers, severance, equity and what an hour of work is really worth.

What does my job actually pay per hour after work costs?True Hourly WageSubtracts commute time, work clothing, lunches, childcare and decompression spending from wage to find your true hourly pay.BeginnerIs switching careers worth the retraining cost and pay cut?Career Switch CalculatorEnter retraining cost, transition income loss, and new salary to see break-even time and 10-year net gain.What is my unvested equity worth and what will I owe in taxes?Equity Vesting TrackerEnter RSU and option grants and current stock price to track vesting value, upcoming vests, and estimated tax.US rulesModels 2026Which of two job offers actually pays more once benefits and cost of living are counted?Job Offer ComparisonCompares two offers on base, bonus, equity, 401(k) match, benefits, PTO, and cost-of-living adjustment to reach a total-compensation verdict.US rulesBeginnerHow much does maxing my 401(k) actually cost me in take-home pay?Paycheck OptimizerShows exactly how maximizing 401(k), HSA and FSA contributions changes your take-home paycheck.US rulesModels 2026What is the lifetime value of negotiating a raise?Salary Negotiation CalculatorEstimates the compounded career value of a raise including higher 401(k) contributions, future raises, and Social Security impact.US rulesModels 2026BeginnerHow much is my severance package actually worth?Severance Package EvaluatorTotals severance pay, COBRA cost, unvested equity acceleration and outplacement into one package value, plus non-compete risk.US rules

Homes and cars

Buy versus rent, mortgages, refinancing and car loans.

What is the real monthly cost of a car loan or lease, and which is cheaper?Auto Loan & Lease vs BuyCompares real monthly cost, total interest, and lease versus buy for a car, plus what the payment would be worth if invested instead.BeginnerHow much of my mortgage payment goes to interest versus principal each year?Mortgage Amortization CalculatorShows the full month-by-month amortization schedule, the interest-to-principal crossover point, and how much extra payments save.US rulesBeginnerAm I actually better off buying a house than renting?Mortgage vs Rent CalculatorCompares total cost of buying versus renting, including the opportunity cost of the down payment, maintenance, property tax and the Ben Felix 5% Rule.US rulesHow many months until refinancing my mortgage pays for itself?Refinance Break-EvenCompares old and new mortgage payments and total financing cost to find the break-even point on refinance closing costs.US rules

Inflation and the economy

Purchasing power, inflation, money supply and interest-rate data.

How much has a dollar amount lost or gained in value between two years?Purchasing Power CalculatorShows what a dollar amount from one year is worth in another year's dollars using BLS CPI data back to 1913.US rulesBeginnerWhat does my old budget actually cost today, by spending category?Real Inflation CalculatorConverts a budget from a past base year into today's dollars using official CPI and category-level breakdowns like housing, food, and healthcare.US rulesBeginnerHow much purchasing power has the dollar lost since I was born?Dollar Since BirthEnter your birth year to see cumulative dollar purchasing power lost, sourced from BLS CPI, plus the same span in Bitcoin.US rulesBeginnerDoes M2 money supply growth actually predict inflation?M2 vs Inflation TrackerCharts historical US M2 growth against CPI inflation with a toggleable 12-to-18 month lag marker.US rulesWhat does the velocity of money actually change in an economy?Monetary Velocity IllustrationIllustrates the MV=PT equation using the 1932 Worgl stamp-money experiment, comparing two towns with the same money supply but different transaction speeds.Is the Treasury yield curve signaling a recession?Yield Curve ViewerShows the US Treasury yield curve across maturities and whether it is normal, flat, or inverted, the shape that has preceded past recessions.US rules

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Last updated . Calculators are educational estimates, not financial advice. Nothing you enter is sent to a server. Disclosures · How pages are reviewed