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Finance In Your Pocket

A comprehensive suite of quick, intuitive financial calculators and tools. Everything is calculated in your browser: we don't send or store your data.

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Investing

Compound Interest Calculator

See how your money grows with compound interest — add contributions and compare to the S&P 500's real historical returns.

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Dividend Calculator

Project future dividend income and see how reinvesting (DRIP) grows your portfolio over time.

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FIRE Calculator

Find out how many years until you reach financial independence based on your savings rate and expected returns.

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Net Worth Calculator

Calculate your net worth and compare it to national age percentiles.

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Retirement

Retirement Savings Calculator

Calculate how much to save in a 401(k), Traditional IRA, or Roth IRA, with employer match and 2026 limits.

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Roth vs. Traditional Calculator

Compare the after-tax retirement value of a Roth vs. Traditional 401(k) or IRA contribution using the 2026 limits.

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Social Security Calculator

Estimate your Social Security benefit at 62, full retirement age, and 70, using the actual SSA bend-point formula.

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RMD Calculator

Calculate your required minimum distribution using the IRS Uniform Lifetime Table, and its tax impact.

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Trump Account Calculator

Project your child's Trump Account balance at 18, including the $1,000 federal seed, vs. a 529 plan or taxable account.

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HSA Calculator

Check your 2026 HSA contribution limit and estimated tax savings.

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Taxes

Federal Income Tax & Refund Estimator

Estimate your 2026 federal income tax using the current brackets, standard deduction, and Child Tax Credit.

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Self-Employment Tax Calculator

Calculate your Social Security and Medicare self-employment tax on Schedule SE net earnings.

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Sales Tax Calculator

Add sales tax to a price using your state's average rate, or back a pre-tax subtotal out of a total.

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Car Loan Interest Deduction Calculator

Check whether your new-car loan qualifies for the OBBBA interest deduction, and estimate what it's worth after the income phase-out.

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Tips & Overtime Deduction Calculator

Estimate your OBBBA "no tax on tips" and "no tax on overtime" deduction, including the income-based phase-out.

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Child Tax Credit Calculator

Calculate your 2026 Child Tax Credit, including the MAGI-based phase-out.

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Paycheck & Work

Paycheck Calculator

Calculate your take-home pay from gross wages, with federal withholding, state tax, and FICA broken out.

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Salary to Hourly Calculator

Convert an annual salary to an hourly rate, or an hourly rate to an annual salary.

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Bonus Tax Calculator

Estimate the federal, FICA, and state withholding on your bonus.

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Housing

How Much House Can I Afford?

Find the max home price your savings and income support (28/36 DTI rule), or plan your down payment savings.

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Mortgage Calculator (PITI + PMI)

Estimate your monthly mortgage payment — principal, interest, property tax, insurance, and PMI.

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Rent vs. Buy Calculator

Compare the net worth you'd end up with buying a home versus renting and investing the difference.

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Rental Property ROI Calculator

Calculate gross yield, net yield (cap rate), and cash-on-cash return on a rental property.

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Capital Gains Tax on Home Sale

Estimate the federal capital gains tax owed when you sell a home, including the IRC §121 exclusion.

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HELOC Calculator

Estimate your available home equity line of credit, and your draw-period vs. repayment-period payments.

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Refinance Break-Even Calculator

Find out how many months it takes to recoup your refinance closing costs, and the real cost of resetting your term.

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Property Tax Calculator

Estimate your annual property tax bill using your state's average effective rate.

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Loans

Extra Payment Calculator

See how much you save by paying extra toward your loan principal, and whether to shorten your term or lower your payment.

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True Cost of Car Ownership

Calculate the real monthly cost of owning a car: depreciation, financing, insurance, maintenance, and fuel.

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Personal Loan Calculator

Calculate your personal loan payment and APR from the amount, interest rate, fees, and term.

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Debt Payoff Calculator

Compare the debt avalanche and debt snowball strategies to see which pays off your debts faster and cheaper.

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Credit Card Payoff Calculator

See how long paying only the minimum really takes, and how much an extra $50 or $100 a month saves.

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Student Loan RAP Calculator

Estimate your monthly payment under the new Repayment Assistance Plan (RAP), and compare it to a standard 10-year repayment.

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Budgeting & Savings

50/30/20 Budget Calculator

Split your income into needs, wants, and savings using the 50/30/20 rule.

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Emergency Fund Calculator

Find your emergency fund target and how long it takes to reach it.

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Cost of Living Calculator

Compare the cost of living between states and find your equivalent salary.

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Everyday & Currency

Inflation Calculator

See how much your money will really be worth years from now, or what you'll need to match today's purchasing power.

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Currency Converter

Convert between 13 major currencies using today's daily reference exchange rate.

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Tip Calculator

Calculate the tip and total for any bill, and split it evenly among your party.

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