Financial calculators
Free calculators that work on your own numbers and show every assumption they make. Each one is tested with multiple methods across thousands of scenarios and reviewed by a financial planner before it goes up. How we test calculators.
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Retirement Planning
- RMD CalculatorUpdated for 2026Your required minimum distribution for the year from IRAs, 403(b)s and a 401(k), which account it must come from and by when, with the spouse table, QCDs, the still-working rule and a projection to age 95. Coast FIRE CalculatorYour Coast FIRE number: what you need invested today to stop saving for retirement and still retire on time, the age you catch up with it if you keep saving, and what your savings would pay for now, with optional Social Security. Inherited IRA RMD CalculatorUpdated for 2026The least you must withdraw from an inherited IRA this year and when it must be empty, under the 10-year and life-expectancy rules, with withdrawal plans compared at your federal tax bracket. Retirement CalculatorUpdated for 2026How much you need saved to retire after income tax, from pretax, Roth and taxable accounts, single or married, with Social Security, a pension and required minimum distributions; the yearly saving that gets you there; five withdrawal orders and eight spending rules compared; and how often your plan lasts across 1,000 simulated markets. Roth Conversion CalculatorUpdated for 2026The federal tax a Roth conversion adds on your 2025 or 2026 return, counting Social Security, the senior deduction, the Marketplace premium tax credit and IRMAA two years later, how much more you could convert before each step, the future tax rate at which converting comes out ahead, and a year-by-year plan until RMDs start.
Taxes
- Social Security Tax CalculatorUpdated for 2026How much of your Social Security is taxable, with the IRS worksheet, the federal income tax it adds, and what the next $1,000 of IRA income, municipal interest or capital gains would cost. No Tax on Overtime CalculatorUpdated for 2026What the 2025–2028 overtime deduction is worth to you: the part of your overtime that counts, the cap and phase-out, and your federal income tax with and without it, including the refundable child tax credit. No Tax on Tips CalculatorUpdated for 2026What the 2025–2028 tips deduction is worth to you: the $25,000 cap and phase-out, the limit for tips in your own business, and your federal income tax with and without it, including the refundable child tax credit. Car Loan Interest Deduction CalculatorUpdated for 2026Whether your car loan qualifies for the 2025–2028 car loan interest deduction, the interest you pay this year estimated from your loan, and what the deduction is worth after the $10,000 cap, the phase-out and the refundable child tax credit. Itemized vs Standard Deduction CalculatorUpdated for 2026Whether to itemize or take the standard deduction for 2025 or 2026, what the better choice saves in federal income tax under the new limits on state and local taxes and charitable gifts, and whether bunching gifts would save more. Estimated Tax CalculatorUpdated for 2026How much federal estimated tax to pay each quarter for 2025 or 2026, and the smallest amount that avoids the underpayment penalty, from self-employment profit, wages and other income, with self-employment tax, catch-up payments and the penalty if you pay nothing. Bonus Tax CalculatorUpdated for 2026What a bonus or RSU vest leaves you after the flat 22% (37% over $1 million) or aggregate withholding, Social Security and Medicare, and what it really adds to your 2025 or 2026 tax, so you see what you will owe or get back when you file. Capital Gains Tax CalculatorUpdated for 2026The federal tax a sale of stocks, funds, crypto or collectibles adds to your 2025 or 2026 return, with the gain stacked on your other income, netting against other gains, losses and carryovers, the 3.8% tax, inherited and gifted basis, and the long-term gain you could still take at 0%. Tax Bracket CalculatorUpdated for 2026Your 2025 or 2026 federal tax bracket, your average tax rate, and what your next dollar of wages, business profit, retirement income, interest or gains really costs, counting Social Security and Medicare, the child and earned income credits, Social Security taxation and the 0% gains rate.
Credit & Debt
- Mortgage Payoff CalculatorHow much sooner your mortgage is paid off and how much interest you save with extra payments, what a recast does, when PMI ends, and whether investing the money instead would leave you ahead. Debt Payoff CalculatorWhen your credit cards and loans are paid off, and the interest you pay, highest rate first, smallest balance first or with the extra split evenly; what paying only the minimums costs; and whether a consolidation loan or balance transfer saves money.
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