Financial Planning
Plan your financial future with calculators for retirement, personal finance, investment strategies, and wealth building. Make informed decisions about your money.
All 88 Financial Planning Calculators
401(k) Calculator
Free 401(k) calculator to project your retirement savings. Factor in employer match, contribution limits, investment returns, and tax benefits for accurate estimates.
Alternative Minimum Tax Calculator
Free AMT calculator for 2026 to estimate your alternative minimum tax liability. Calculate AMTI, exemptions, phase-outs, and determine your total AMT using current 2026 tax rates and thresholds.
AMT Tax Calculator
Calculate your Alternative Minimum Tax (AMT) liability for 2026. Free AMT tax calculator to estimate adjustments, exemptions, and determine if you owe AMT for the 2026 tax year.
Annuity Calculator
Calculate annuity payments, present value, and future value. Compare fixed, variable, and indexed annuities. Estimate guaranteed retirement income.
APR Calculator
Calculate the true APR of a loan including fees and charges. Compare loan offers by their real cost, not just the stated interest rate.
Asset Allocation Calculator
Free asset allocation calculator. Build an optimal portfolio mix of stocks, bonds, and alternatives based on your age, risk tolerance, goals, and time horizon.
Backdoor Roth IRA Calculator
Free backdoor Roth IRA calculator for 2026. Analyze the tax impact of Roth conversions, calculate your break-even year, and determine the optimal conversion amount based on income limits and pro-rata rules.
Biweekly Pay Calculator
Convert biweekly pay to annual salary or annual salary to biweekly paycheck. See monthly, weekly, and hourly breakdowns of your biweekly earnings.
Bond Yield Calculator
Free bond yield calculator for 2026. Calculate current yield, yield to maturity (YTM), yield to call (YTC), bond pricing, duration, and coupon payments for Treasury, corporate, and municipal bonds.
Budget Calculator
Create a monthly budget with our free calculator. Track income, expenses, and savings using the 50/30/20 rule. Find areas to save and reach financial goals faster.
Business Valuation Calculator
Calculate your business value using multiple methods: income approach (EBITDA multiples), market approach, and asset-based valuation. Free business worth calculator for small business owners.
Capital Gains Tax Calculator
Calculate federal and state capital gains tax on stock sales, real estate, and other investments. Compare short-term vs. long-term capital gains rates.
Car Loan Calculator
Calculate monthly car loan payments, total interest, and total cost of ownership. Compare loan terms, rates, and down payment scenarios for new and used vehicles.
CD Calculator
Calculate your certificate of deposit (CD) earnings. Compare CD rates, terms, and interest to find the best CD for your savings. See APY vs. simple interest.
Coast FIRE Calculator
Calculate your Coast FIRE number: how much you need saved today so that compound growth alone funds your traditional retirement, without additional contributions.
Compound Interest Calculator
Free compound interest calculator. See how your money grows over time with daily, monthly, or annual compounding. Includes contribution schedules and charts.
Cost of Living Calculator
Compare the cost of living between cities and calculate the salary you need to maintain your standard of living when relocating. Free and updated for 2026.
Credit Card Payoff Calculator
Calculate how long it takes to pay off credit card debt and how much interest you will pay. See the impact of paying more than the minimum each month.
Debt Payoff Calculator
Calculate how fast you can pay off debt using avalanche or snowball methods. See your payoff date, total interest saved, and create a debt-free plan.
Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio (DTI) to see if you qualify for a mortgage or loan. Find out what lenders look for and how to improve your DTI.
Dividend Calculator
Calculate your annual dividend income from stocks and ETFs. Enter your investment amount and dividend yield to see quarterly, monthly, and annual payouts.
Dividend Reinvestment (DRIP) Calculator
Calculate the power of dividend reinvestment (DRIP). See how reinvesting dividends grows your investment exponentially over time with compound growth.
Dollar Cost Averaging Calculator
Calculate returns using dollar-cost averaging. Compare DCA to lump sum investing and see how regular investments smooth out market volatility.
Emergency Fund Calculator
Calculate how much you need in your emergency fund based on monthly expenses, income stability, and dependents. Build your financial safety net today.
Estate Tax Calculator
Calculate federal estate tax liability based on estate value, exemptions, and deductions. Understand estate planning strategies to minimize tax for your heirs.
Financial Advisor Fee Calculator
Calculate what you pay in financial advisor fees. Compare AUM fees, flat fees, and hourly rates. See the long-term cost impact of advisor fees on your wealth.
Financial Independence Calculator
Calculate your financial independence number and the years until you can live off investments. Determine how much you need to retire early and achieve FIRE.
Financial Planning Calculator
Free financial planning calculator to build a comprehensive financial plan. Analyze income, expenses, savings, investments, and retirement goals in one place.
FIRE Calculator
Plan your FIRE (Financial Independence Retire Early) journey. Calculate your FIRE number, timeline, and track progress toward early retirement.
Freelance Tax Calculator
Estimate your freelance taxes for 2026. Calculate self-employment tax, income tax, and quarterly estimated payments as a freelancer or independent contractor.
Future Value Calculator
Calculate the future value of investments and savings. See how your money grows with compound interest, regular contributions, and different time horizons.
Gift Tax Calculator
Calculate gift tax on large transfers. Understand the annual exclusion, lifetime exemption, and when you need to file a gift tax return.
Gross to Net Pay Calculator
Calculate your net pay from gross salary. See exactly how much you take home after federal taxes, state taxes, Social Security, and Medicare deductions in 2026.
Home Affordability Calculator
Calculate how much house you can afford based on your income, debts, down payment, and current mortgage rates. See your maximum purchase price and monthly payment.
Hourly to Salary Calculator
Convert your hourly wage to an annual salary instantly. Enter your hourly rate and work schedule to see yearly, monthly, biweekly, and weekly income breakdowns.
How Much House Can I Afford?
Find out how much house you can afford based on your income, debts, and down payment. Uses the 28/36 rule to calculate your maximum home price in 2026.
How to Create a Financial Plan
Free financial plan calculator and step-by-step guide. Calculate savings goals, retirement needs, insurance coverage, and net worth to build a comprehensive financial plan.
Income Tax Calculator
Estimate your federal and state income taxes for 2026. Calculate your tax liability, effective rate, and take-home pay based on your income and deductions.
Inflation Calculator
Calculate how inflation affects your money's purchasing power over time. Project future costs, compare historical purchasing power, and plan for inflation-adjusted goals.
Investment Calculator
Free investment calculator to project the growth of your investments over time. Factor in contributions, dividends, fees, and taxes for accurate projections.
IRA Calculator
Free IRA calculator to project your traditional IRA retirement savings. Calculate tax deductions, contribution limits, and projected growth over time.
Lean FIRE Calculator
Calculate your Lean FIRE number for a minimalist early retirement. Determine the minimum portfolio needed to cover frugal living expenses indefinitely.
Life Insurance Needs Calculator
Calculate how much life insurance coverage you need. Factor in income replacement, debts, mortgage, children's education, and final expenses to find the right coverage amount.
Loan Calculator
Calculate monthly loan payments, total interest cost, and amortization for any type of loan. Compare loan terms and rates to find the best option.
Loan Payment Calculator
Calculate your monthly loan payment for any loan amount, interest rate, and term. See total interest paid, amortization breakdown, and payoff timeline.
Long-Term Care Cost Calculator
Calculate your potential long-term care costs for nursing homes, assisted living, and in-home care. Estimate how much long-term care insurance you need to protect your retirement savings.
Millionaire Calculator
Calculate how long it will take to reach $1 million based on your savings, investment returns, and current portfolio. See your path to becoming a millionaire.
Mortgage Calculator
Calculate monthly mortgage payments, total interest, and view the full amortization schedule. Compare fixed vs adjustable rates and see the impact of extra payments.
Net Worth Calculator
Calculate your net worth by totaling your assets and liabilities. Track your financial progress over time with this free net worth calculator.
Overtime Pay Calculator
Calculate your overtime pay instantly. Enter your hourly rate and overtime hours to see your total earnings including time-and-a-half and double-time pay.
Paycheck Calculator
Calculate your paycheck after taxes. Enter your salary or hourly rate, filing status, and deductions to see your net paycheck for weekly, biweekly, or monthly pay periods.
Payroll Tax Calculator
Calculate payroll taxes for employers and employees. See Social Security, Medicare, FUTA, and state unemployment tax obligations for 2026.
Pension Calculator
Calculate your pension benefits based on years of service, salary, and benefit formula. Compare lump sum vs. annuity options and plan your retirement income.
Personal Loan Calculator
Calculate your personal loan payment, total interest cost, and payoff schedule. Compare rates and terms to find the best personal loan for your needs.
Present Value Calculator
Calculate the present value of future cash flows or lump sums. Use discount rates to determine what future money is worth today for investment decisions.
Property Tax Estimator
Estimate your annual property tax based on home value and local tax rate. Compare property taxes across states and see how assessments affect your bill.
Portfolio Rebalancing Calculator
Free portfolio rebalancing calculator. See exactly what to buy and sell to restore your target asset allocation with minimum trades and tax-efficient strategies.
How Much Rent Can I Afford?
Calculate how much rent you can afford based on your income. Use the 30% rule and 50/30/20 budget to find your ideal rent amount in 2026.
Rent vs. Buy Calculator
Compare the total cost of renting versus buying a home. Factor in mortgage payments, taxes, appreciation, investment returns, and opportunity costs.
Required Rate of Return Calculator
Calculate your required rate of return using CAPM, dividend discount, and risk premium models. Find the minimum return needed to justify an investment's risk.
Retirement Calculator
Free retirement calculator to estimate how much you need to save for retirement. Factor in Social Security, 401k, IRA contributions, and investment growth.
Retirement Investment Options Calculator
Compare retirement investment options including 401k, IRA, Roth IRA, annuities, and brokerage accounts. Calculate projected returns for each option side by side.
Retirement Withdrawal Calculator
Free retirement withdrawal calculator to determine safe withdrawal rates. Analyze the 4% rule, dynamic withdrawal strategies, and portfolio longevity based on asset allocation and inflation.
Risk Tolerance Assessment Calculator
Free risk tolerance assessment calculator. Answer key financial questions to determine your investor profile, ideal asset allocation, and appropriate risk level.
Required Minimum Distribution (RMD) Calculator 2026
Free RMD calculator for 2026 using updated IRS Uniform Lifetime Table. Calculate your required minimum distribution from 401(k), IRA, and other retirement accounts after age 73.
Roth IRA Calculator
Calculate your Roth IRA growth potential with tax-free compounding. Compare Roth vs. traditional IRA, check income limits, and project retirement savings.
Roth IRA Conversion Calculator
Free Roth IRA conversion calculator to estimate the tax impact of converting your traditional IRA to a Roth IRA. Compare after-tax wealth, break-even year, and lifetime tax savings.
Rule of 72 Calculator
Use the Rule of 72 to quickly estimate how long it takes to double your money at any given interest rate or investment return.
Safe Withdrawal Rate Calculator
Calculate your safe withdrawal rate using Monte Carlo simulation and historical analysis. Test the 4% rule against your portfolio, timeline, and risk tolerance.
Salary to Hourly Calculator
Instantly convert your annual salary to an hourly rate. Enter your salary, hours per week, and weeks per year to find your exact hourly pay. Free and easy to use.
Sales Tax Calculator
Calculate sales tax on any purchase instantly. Enter the price and tax rate to see the tax amount and total cost. Includes 2026 state sales tax rates.
Savings Calculator
Free savings calculator to project how your savings will grow with regular deposits and compound interest. Compare savings accounts, CDs, and money market rates.
Savings Goal Calculator
Calculate how much you need to save each month to reach your financial goal. Set a target amount and date to get your required monthly savings amount.
Self-Employment Tax Calculator
Calculate your self-employment tax for 2026. See your Social Security, Medicare, and income tax obligations as a freelancer, contractor, or business owner.
Simple Interest Calculator
Calculate simple interest on loans or investments. Enter principal, rate, and time to find total interest, total amount, and monthly payments instantly.
SIP Calculator
Calculate returns on systematic investment plans (SIP). See how regular monthly investments grow with compound returns over time.
Social Security Benefits Calculator
Calculate your estimated Social Security retirement benefits. Compare claiming at 62, 67, and 70 to find the optimal strategy. Includes spousal and survivor benefits.
Social Security Break-Even Calculator
Free Social Security break-even calculator to determine the optimal age to claim benefits. Compare total lifetime benefits at ages 62, 67, and 70 to find your break-even point.
Social Security Calculator
Estimate your Social Security retirement benefits based on earnings history, claiming age, and filing status. Compare early vs. delayed claiming strategies.
Student Loan Calculator
Calculate student loan payments under different repayment plans. Compare standard, graduated, income-driven, and refinancing options to find the best strategy.
Student Loan Repayment Calculator
Plan your student loan repayment strategy. Calculate monthly payments under Standard, Income-Driven, and accelerated payoff plans. See total interest and payoff date.
Take Home Pay Calculator
Calculate your take-home pay after federal and state taxes, FICA, and deductions. See how much you actually bring home from your salary in 2026.
Tax Bracket Calculator
Find your federal income tax bracket and estimate your tax liability. See how the progressive tax system works and calculate your marginal and effective tax rates.
Tax Loss Harvesting Calculator
Free tax loss harvesting calculator for 2026. Calculate potential tax savings from harvesting investment losses, understand wash sale rules, and optimize your portfolio rebalancing strategy.
Time and a Half Calculator
Calculate your time and a half pay rate instantly. Enter your hourly wage to see your 1.5x overtime rate for Saturdays, Sundays, holidays, and hours over 40.
Time Value of Money Calculator
Free time value of money calculator. Compute present value, future value, interest rate, and payment periods with step-by-step breakdowns for any cash flow scenario.
Wealth Calculator
Calculate your projected wealth over time based on income, savings rate, investments, and compound growth. See your path to your wealth goals.
Withdrawal Rate Calculator
Calculate how long your retirement savings will last at different withdrawal rates. Model income needs, inflation adjustments, and portfolio longevity scenarios.
About Financial Planning
Plan your financial future with calculators for retirement, personal finance, investment strategies, and wealth building. Make informed decisions about your money.
Browse our collection of 88 free financial planning calculators above. Every calculator includes step-by-step formulas, worked examples, comparison tables, and frequently asked questions to help you make informed financial decisions. All calculations run instantly in your browser with no signup required.