Free tools
Money tools, with the math shown
Calculators that do one job well and tell you how they got the answer. No sign-up, no fees, nothing saved. Put your numbers in and you get a number back you can actually use.
Coast FIRE calculator
The amount you need invested today to stop saving for retirement entirely and let compounding finish the job. Shows whether you are already past it, and if not, the month you get there at your current savings rate.
Open toolDebt payoff calculator
Put your debts in once and get both plans solved to the last dollar. Months to debt-free, the actual date, total interest, and what the avalanche saves you over the snowball on your numbers rather than in the abstract.
Open toolSelf-employment tax calculator
Social Security and Medicare on your net earnings, plus what to send the IRS each quarter and when. The tax an employer used to split with you, worked out in full.
Open toolFreelance rate calculator
Work out the minimum hourly rate that covers your take-home goal, your expenses, and the taxes nobody withholds for you, divided by the hours you can really bill.
Open toolOBBBA 2026 deduction checker
Four new deductions run from 2025 to 2028: tips, overtime, a senior deduction, and car loan interest. Find out which ones you qualify for and what each is worth.
Open toolWhat these are for
Most money calculators online either hide the formula or bury it under ads. These do the opposite. Every result comes with a "how this is worked out" breakdown so you can check it, argue with it, or copy the math into your own spreadsheet. The point is to leave you understanding the number, not just trusting it.
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