Free Finance Calculators
for Smart Investors

See when you'll hit $100K, $500K, $1M — with growth chart, milestone timeline, cost-of-waiting analysis, and historical S&P 500 returns.

Get your exact Freedom Day, FI number, and Monte Carlo survival rate. 4 FIRE types, 1,000 market simulations, Coast FI detector.

Your exact debt freedom date, snowball vs avalanche race, and live daily interest cost counter. 6-dimension debt health grade.

See exactly where your net worth ranks for your age using Federal Reserve SCF 2022 data. Wealth tier identity, 6-dimension Report Card, and 30-year growth projections.

The honest mortgage vs rent showdown: full amortization, PMI auto-removal, opportunity cost engine, hidden costs reveal, 5×5 sensitivity heatmap, and break-even timeline.

See the compounding cost of every raise you didn't negotiate. Career fork visualization, negotiation ROI, job-hop calculator, 6-dimension career report card.

Grade your portfolio across 6 dimensions. 8-axis radar chart, fee drag devastation calculator, efficient frontier analysis, rebalancing action plan, and historical backtest.

Calculate exact shares from risk %, entry, stop loss & take profit. 3 sizing methods, Kelly Criterion, Monte Carlo equity curve, losing streak stress test.

Interactive payoff diagrams, 16 pre-built strategies, live Greeks dashboard, P&L heatmap, probability of profit, and time decay timelapse animation.

Should you invest all at once or spread it out? 1,000 Monte Carlo simulations, S&P 500 backtesting from 1970, regret analysis, cash drag calculator, and 6-dimension strategy report card.

Discover your TRUE hourly rate after taxes, expenses, and unbillable hours. Rate waterfall chart, salary equivalence engine, billable hours breakdown, market positioning, and 6-dimension report card.

Create professional invoices with custom branding, QR payment codes, and instant PDF export. 4 premium templates, multi-currency, quality scorecard, and revenue dashboard.

Analyze any deal: cap rate, CoC return, DSCR, cash flow waterfall, 10-year equity projection, 5 investor rules, sensitivity heatmap, and 6-dimension deal report card.

Grade your spending against the 50/30/20 rule & find money leaks

See what you actually keep after SE tax, federal, state & deductions

Find your retirement gap, run Monte Carlo simulations & optimize Social Security

Compare up to 5 loans side by side — true cost, APR, equity race & rate shock simulator

See how long your credit card really takes to pay off — and how $100 extra changes everything

When will I be a millionaire? Live countdown, mountain path, peer percentile & speed-up plan

A–F letter grade for your personal finances across 10 dimensions. Age-cohort percentile, weakest-link detection, dollar-cost action plan.

Solve for the exact future tax rate where Roth ties Traditional. Sensitivity heatmap, state-tax arbitrage, RMD pressure, Social Security trap.

Per-position wash sale scanner (§1091), ETF substitute suggester, $3K ordinary offset, indefinite carryforward bank, 50-state stack, crypto exemption mode.

Separates contribution, growth & withdrawal tax savings, models the shoebox strategy, reveals the FICA bonus, and races the HSA against a 401(k) through the age-65 crossover.

10,000-path stress test — sequence-of-returns risk, Max SWR solver, Guyton-Klinger guardrails, glide path, red-zone heatmap, and historical shocks.

Risk-adjusted 3-way race — payoff vs invest vs 50/50 hybrid — with Sharpe ratio, tax-location priority, emergency-fund gate, lump-sum mode, and recast vs prepay.

Detect the 22% supplemental withholding gap vs your true tax — with $1M cliff, double-trigger IPO, Additional Medicare surtax, state stack, and quarterly 1040-ES forecast.

3-way strategy duel (avalanche / hybrid / snowball) with a behavioral discipline score, stick-with-it probability, balance-transfer compare, and a freedom-date duel across methods.

DIME method vs Human Life Value second opinion, with a term-length recommender, stay-at-home parent value, premium band, and peer percentile.

Layoff runway engine — stacks severance + state unemployment + COBRA on your fund and finds the exact date savings run out. Industry-adjusted by tech, finance, and seniority.

Your real rate of return via the Fisher equation, with nominal vs real wealth curves, 4 inflation regimes, the phantom capital gains tax, a TIPS decision, and a 1970s stress test.

See the wealth path you didn't take. Compare investments, pay-debt-vs-invest, big purchases, and career choices — with a worked formula, real examples, and forgone-wealth presets.