Free financial calculators — built for your real life.
Mortgage, auto, HELOC, student, credit card, and more. Each one shows your real payment AND how it changes your long-term wealth and FI Age.
Start free trialNot your average loan calculators
Most calculators give you a payment.
Ours give you a 30-year answer.
Every calculator below shows the monthly payment and exactly how that decision moves your PeakWorth™ and FI Age over your lifetime. Free, instant, no signup required.
Income calculators
Your paycheck, decoded.
Paycheck Calculator — See Your Real Take-Home Pay
Plug in your salary, pay frequency, 401(k), and state. We'll show you exactly what hits your bank account — and where the rest of every dollar actually goes.
Income Percentile Calculator — Where Do You Rank?
Enter your individual or household income and see your exact percentile against U.S. Census data — overall and within your age bracket.
Income Growth Projection — Where Your Salary Lands in 10 Years
Combine annual raises, promotion bumps, and job-hop jumps. See your salary trajectory and lifetime earnings.
Real Hourly Rate — What Your Job Actually Pays Per Hour of Your Life
Subtract commute, work clothes, lunches, decompression time, and after-tax leakage. The number is usually 30–50% lower than your stated rate.
Side Hustle Profitability — Is Your Hustle Actually Paying You?
Self-employment tax, expenses, and the real hours behind the revenue. See your true per-hour profit.
Feel-Rich Salary — What It Actually Takes In Your City
Cost of living, taxes, your lifestyle targets, and your savings rate. The honest answer to 'how much is enough?'
Income by Age — How Do You Compare to Your Peers?
Income peaks for most Americans between 45 and 54. See where you stand inside your age bracket — not just against the full population.
Average Income in America — The Real Numbers
Mean income looks bigger than median because top earners pull the average up. See both — and the percentile that actually describes your peers.
Tax calculators
Keep more of what you earn.
Bonus Tax Calculator — How Much of Your Bonus Survives?
Supplemental withholding, FICA, state tax, and 401(k) deferral. See what's left of any bonus — and what to do with it.
Total Tax Burden — What Government Actually Takes From You
Federal + FICA + state + local + sales + property. The all-in % of income — usually 25–45% depending on state.
Home calculators
The biggest purchase of your life.
Mortgage Calculator — Payment, Amortization, and the Real 30-Year Cost
Most mortgage calculators tell you the monthly payment. Ours tells you what that payment trades you in retirement years — so you can choose on purpose.
Home Equity Loan Calculator — Borrow Smart Against Your Home
A home equity loan can be the cheapest money you'll ever borrow — or the most expensive mistake. Run the full math first.
HELOC Calculator — A Flexible Tool That Cuts Both Ways
A HELOC is a credit card backed by your house. Used wisely, it's a powerful safety net. Used carelessly, it's a path to losing your home.
Loans calculators
Borrowing has a long-term cost.
Auto Loan Calculator — Payment, Interest, and the Wealth Cost of Your Car
The average new-car payment now exceeds $740/month. Over 30 years, that's $750K+ of foregone retirement.
Personal Loan Calculator — Should You Borrow, Consolidate, or Skip?
Personal loans can rescue you from credit card debt — or be a slow leak that delays retirement by years. The math decides.
Recreational Loan Calculator — Toys Are Fun, Long Loans Are Not
Recreational vehicles depreciate fast, cost 10%+ of purchase price per year to own, and rarely justify long-term financing. Run the real number first.
Cards calculators