Interactive Financial & Tax Calculators
Use these free financial and tax calculators to explore important planning questions before you make a decision. Whether you are estimating federal taxes, evaluating a business investment, planning retirement contributions, comparing mortgage options, or building a realistic debt payoff plan, each tool is designed to turn a complex question into a clearer starting point. Business owners can use the calculators to model cash flow, profitability, payroll obligations, and asset depreciation. Freelancers and individuals can estimate taxes, savings goals, insurance needs, and household budgets. Calculator results are educational estimates, not personal tax, legal, or financial advice; your actual outcome depends on your complete facts and current law. When a result raises a bigger question, a CPA can help you understand the assumptions, opportunities, and next steps behind the numbers.
Tax Calculators
1040 Tax Estimator
Estimate your federal income tax liability using Form 1040 inputs.
Use Calculator1040-EZ Tax Estimator
Simplified federal tax estimate for straightforward returns.
Use CalculatorMarginal & Effective Tax Rate
See both your marginal and effective federal tax rates side by side.
Use CalculatorEarned Income Tax Credit (EITC)
Estimate your EITC eligibility and credit amount.
Use CalculatorSelf-Employment Tax
Calculate SE tax (15.3%) and your deductible half.
Use Calculator1031 Like-Kind Exchange
Estimate deferred gain on a real estate 1031 exchange.
Use CalculatorCapital Gains Tax Estimator
Calculate short- and long-term capital gains tax owed.
Use CalculatorW-4 Withholding Calculator
Determine the right withholding allowances for your W-4.
Use CalculatorPayroll Tax Calculator
Compute employer and employee payroll tax obligations.
Use CalculatorState vs. Federal Tax Liability
Compare your state and federal tax burdens side by side.
Use CalculatorTax Bracket Analyzer
See exactly which portions of your income fall into each bracket.
Use CalculatorDependent Tax Credit
Estimate credits available for qualifying dependents.
Use CalculatorChild Tax Credit
Calculate your Child Tax Credit and Additional Child Tax Credit.
Use CalculatorProperty Tax Estimator
Estimate annual property tax based on assessed value and local rate.
Use CalculatorCharitable Deduction Tax Savings
See the tax savings from your charitable contributions.
Use CalculatorBusiness Planning & Operations
Break-Even Analyzer
Find the sales volume needed to cover all fixed and variable costs.
Use CalculatorCommercial Loan Amortization
Generate a full amortization schedule for a business loan.
Use CalculatorBusiness Valuation Estimator
Get a rough estimate of your business's market value.
Use CalculatorCash Flow Analyzer
Model operating, investing, and financing cash flows.
Use CalculatorWorking Capital Calculator
Measure short-term liquidity and operational efficiency.
Use CalculatorProfit Margin Calculator
Calculate gross, operating, and net profit margins.
Use CalculatorLease vs. Buy Equipment
Compare the true cost of leasing versus purchasing equipment.
Use CalculatorFinancial Ratios Calculator
Compute key liquidity, profitability, and leverage ratios.
Use CalculatorMarketing Campaign ROI
Measure the profitability of a marketing spend.
Use CalculatorInventory Analysis
Calculate turnover, days on hand, and reorder points.
Use CalculatorStartup Cost Estimator
Estimate one-time and recurring costs to launch a new business.
Use CalculatorNet Present Value (NPV)
Evaluate the present value of future cash flows for a project.
Use CalculatorReturn on Investment (ROI)
Calculate ROI percentage for any investment or project.
Use CalculatorEmployee Turnover Cost
Estimate the true cost of replacing an employee.
Use CalculatorMACRS Depreciation
Calculate annual depreciation under MACRS for business assets.
Use CalculatorPersonal Finance & Wealth Management
Home Budget Analyzer
Build and analyze a complete monthly household budget.
Use CalculatorSpouse Work Tax Impact
Model the net financial impact of a second income.
Use CalculatorHSA Calculator
Estimate HSA contribution limits, tax savings, and growth.
Use CalculatorLife Insurance Needs
Determine how much life insurance coverage you need.
Use CalculatorEmergency Fund Calculator
Calculate your ideal emergency fund target.
Use CalculatorNet Worth Calculator
Tally assets minus liabilities to find your net worth.
Use CalculatorCheckbook Balancer
Reconcile your checking account against your bank statement.
Use CalculatorSavings Goal Calculator
Find out how much to save monthly to reach a target.
Use CalculatorSavings After Inflation & Taxes
See the real purchasing power of your savings over time.
Use CalculatorLatte Factor Calculator
Discover how small daily expenses compound over years.
Use CalculatorCD Yield Calculator
Calculate interest earned on a certificate of deposit.
Use CalculatorCompound Interest Calculator
Model the power of compounding over any time horizon.
Use CalculatorRetirement Planning
Comprehensive Retirement Planner
Project your retirement savings, income needs, and shortfall.
Use CalculatorCost of Delaying Savings
See how much waiting one year to save costs you long-term.
Use CalculatorSocial Security Estimator
Estimate your monthly Social Security benefit at different ages.
Use CalculatorTraditional IRA vs. Roth IRA
Compare after-tax outcomes of traditional vs. Roth contributions.
Use CalculatorRequired Minimum Distribution (RMD)
Calculate your annual RMD from retirement accounts.
Use CalculatorRoth IRA Conversion Analyzer
Model the tax cost and long-term benefit of a Roth conversion.
Use CalculatorRoth IRA Transfer Evaluator
Evaluate whether transferring to a Roth IRA makes sense.
Use Calculator401(k) Savings Calculator
Project your 401(k) balance at retirement.
Use Calculator401(k) Employer Match
See how much employer matching adds to your retirement.
Use CalculatorVariable Annuity Calculator
Estimate growth and income from a variable annuity.
Use CalculatorBecome a Millionaire Calculator
Find out when you'll reach $1 million at your current savings rate.
Use CalculatorPension Payout Analyzer
Compare lump-sum vs. monthly pension payout options.
Use CalculatorHome, Mortgage & Real Estate
Rent vs. Buy Analyzer
Compare the true 10-year cost of renting versus buying.
Use CalculatorMortgage Qualification
Estimate the loan amount you qualify for based on income.
Use CalculatorMortgage Refinance Analyzer
Calculate break-even point and savings from refinancing.
Use CalculatorMortgage Payoff Reduction
See how extra payments shorten your loan term.
Use Calculator15-Year vs. 30-Year Mortgage
Compare total interest paid on 15- vs. 30-year mortgages.
Use CalculatorMortgage Points Evaluator
Determine if buying discount points is worth the upfront cost.
Use CalculatorRental Property ROI & Cap Rate
Analyze cash-on-cash return and cap rate for rental properties.
Use CalculatorHELOC Estimator
Estimate your available HELOC credit line and payment.
Use CalculatorBi-Weekly Mortgage Payment
See how bi-weekly payments reduce interest and payoff time.
Use CalculatorDebt & Loans
Debt Consolidation Calculator
Compare consolidated loan terms against current debt payments.
Use CalculatorAccelerate Debt Payoff
See how extra payments eliminate debt faster.
Use CalculatorCredit Card Payoff
Calculate time and interest to pay off credit card balances.
Use CalculatorDebt Snowball vs. Avalanche
Compare payoff strategies side by side.
Use CalculatorLoan Prequalification
Estimate the loan amount you may qualify for.
Use CalculatorLoan Amortization
Generate a full payment schedule for any loan.
Use CalculatorLoan Comparison
Compare up to three loan offers side by side.
Use CalculatorAlternative Payment Frequencies
Model weekly, bi-weekly, and monthly payment schedules.
Use CalculatorStudent Loan Payoff
Calculate payoff timeline and total interest for student loans.
Use CalculatorAuto Loan Analyzer
Compute monthly payment, total cost, and interest for an auto loan.
Use CalculatorAuto Loan vs. Home Equity
Compare financing a car with an auto loan vs. HELOC.
Use CalculatorAuto Lease vs. Buy
Determine whether leasing or buying a vehicle is cheaper.
Use CalculatorVehicle Mileage vs. Actual Expenses
Compare IRS standard mileage vs. actual expense deduction.
Use CalculatorEstate, Education & Advanced
Estate Tax Planning Estimator
Estimate federal estate tax exposure and exemption usage.
Use Calculator529 College Savings Planner
Project 529 plan growth and college cost coverage.
Use CalculatorStudent Budget Calculator
Build a monthly budget for college students.
Use CalculatorFuture Value of College Costs
Project what college will cost in 10–18 years.
Use Calculator