Real answers for complex financial decisions. Pick a calculator and plug in your numbers.
Break down Principal, Interest, Taxes, and Insurance. Get a full amortization schedule showing exactly when your home becomes 100% equity.
Add up your assets and subtract your debts. See your true financial position and track how it changes over time.
Find the fastest path to zero debt. Compare Avalanche (highest interest first) and Snowball (smallest balance first) side by side.
Enter your expenses and savings rate. See exactly when you hit financial independence using the 4% rule.
See exactly when refinancing pays off. Compare interest savings against closing costs to decide if a refi makes sense.
Compare renting (with the difference invested) against buying over any time horizon. Get a clear 30-year picture of which builds more wealth.
Find out how much home you can afford based on your income, debts, down payment, and current rates.
Calculate your maximum Home Equity Line of Credit based on your home value, outstanding mortgage, and lender's LTV limit.
See exactly how much your credit card debt is really costing you. Find out how extra payments slash your payoff date and total interest.
See the true cost of financing a car over time, including how quickly the loan balance compares to the vehicle's depreciating value.
Compare fixed-rate personal loan offers and find the true annualized cost of borrowing before you sign.
Compare standard 10-year repayment against aggressive overpayment. See exactly how much interest you can save by paying more.
See how compounding turns regular contributions into serious wealth. Model any rate, time horizon, and contribution amount.
Calculate your exact Certificate of Deposit return. Enter your deposit, APY, and term to see interest earned, maturity value, and how CD laddering compares to HYSAs.
Calculate your exact return on any crypto investment, including annualized yield, from any entry price to any exit price.
See how inflation erodes purchasing power over time. Find out what today's dollars will be worth — or what past dollars are worth now.
Work backwards from your target amount. Find out exactly how much to save each month to hit your goal by a specific date.
See the full tax and compound growth advantage of maxing your 401(k), including employer match and long-term projections.
Weigh the upfront tax bill of a Roth conversion against decades of tax-free growth. Find out if converting makes sense for your situation.
Compare claiming at 62 (reduced benefit) vs. full retirement age vs. 70 (maximum benefit). See the lifetime breakeven point.
Calculate your full 15.3% SE tax burden. See your total FICA liability and the deductions available to freelancers and 1099 contractors.
Find out whether your gains are taxed as short-term income or long-term capital gains, and what you'll actually owe.
Enter buy price, sell price, and fees to instantly see ROI, net profit, break-even price, and estimated capital gains tax. Supports Bitcoin, Ethereum, and 100+ coins.
Calculate your exact crypto tax liability across multiple positions. Short-term vs long-term rates, NIIT for high earners, and tax-loss harvesting savings.
Estimate the value of a business using DCF analysis or EBITDA multiples. Useful for buyers, sellers, and founders planning an exit.
Calculate how many months of runway you have based on your burn rate and cash reserves. Know exactly when you need to raise or cut.
Convert any annual salary to an hourly rate — or vice versa. Account for PTO, holidays, and overtime to find your true effective rate.
Calculate tip amounts and split the bill any way you like. Round to the nearest dollar or divide evenly among any number of people.
Calculate your Body Mass Index and Basal Metabolic Rate using the Mifflin-St Jeor equation for an accurate calorie baseline.
Find the final price after any discount, or work backwards from a sale price to find the original. Handles any percentage.
Calculate total return, annualized ROI, and CAGR for any investment over any time period. Compare positions side by side.
Convert between gross profit margin and markup percentage instantly. Essential for pricing products and evaluating unit economics.
Solve any percentage problem: what is X% of Y, X is what percent of Y, and percent change from X to Y.
Calculate the total price with any sales tax rate applied, or find the pre-tax amount from a total. Works for any state.
Each calculator on CalcMoney is built for a specific financial decision. Enter your numbers, review the output, and use the AI analysis to understand what the results mean for your situation. All calculators run in your browser — no account required, no data stored.
For complex decisions like Roth conversions, FIRE planning, or capital gains harvesting, start with the relevant calculator then read the companion guide linked below the results. The guides provide the context the calculator cannot: tax rule nuances, optimal timing, and the tradeoffs that numbers alone do not capture.
The FIRE calculator and 401k analyzer are the two highest-impact tools for anyone targeting early retirement. The FIRE calculator projects your portfolio survival probability at different withdrawal rates. The 401k analyzer models employer match capture, Roth vs traditional allocation, and 30-year balance projections.
For Social Security optimization, use the Social Security calculator to model claiming ages from 62 to 70. Delaying from 62 to 70 increases your benefit by approximately 76% — the break-even age is typically 80 to 82 depending on your full retirement age benefit.
The mortgage calculator shows your full PITI payment (principal, interest, taxes, insurance) with a complete amortization schedule. The HELOC calculator compares draw period interest-only payments against a cash-out refinance to show which costs less over your holding period.
The rent vs buy calculator accounts for opportunity cost of the down payment — a factor most online calculators omit. At a 7% mortgage rate with a $100,000 down payment, the S&P 500 alternative return adds $200,000+ to the true cost of buying over 10 years.
The capital gains tax calculator covers federal rates (0%, 15%, 20%), state overlays across all 50 states, and the 3.8% Net Investment Income Tax for earners above $200,000 single or $250,000 married. It handles short-term and long-term positions separately.
The self-employment tax calculator is essential for freelancers and business owners. It calculates SE tax (15.3% on net self-employment income), the deductible half of SE tax, the 20% QBI deduction eligibility, and quarterly estimated payment amounts for Q1 through Q4.
The credit card payoff calculator compares the debt avalanche (highest rate first) against the debt snowball (lowest balance first). The avalanche method saves more in total interest. The snowball method produces faster early wins that behavioral research shows improve long-term payoff success rates.
The student loan calculator models all federal repayment plans including SAVE, IBR, PAYE, and standard. For income of $60,000 with $50,000 in federal loans, SAVE produces payments of approximately $150/month vs $530/month on the standard plan — with potential forgiveness after 20 years.
CalcMoney calculators are designed for individuals with $500,000 to $5,000,000 in net worth — the segment that faces the most complex financial decisions but typically does not have a dedicated family office or full-time CFP. At this wealth level, the difference between optimized and unoptimized decisions compounds into millions over 20 years.
Specific use cases: a W-2 employee with RSUs who needs to model capital gains tax timing on a vest; a self-employed consultant optimizing between solo 401k and SEP IRA; a homeowner deciding between a HELOC and cash-out refinance for a renovation; a FIRE aspirant running Monte Carlo simulations at different withdrawal rates.
Every calculator includes an AI analysis layer that contextualizes your specific numbers against current tax law, rate environments, and common decision frameworks. The goal is not a number — it is the understanding of what that number means for your next decision.
Tax calculations reference current IRS publications including Publication 590-A (IRA contributions), Publication 946 (depreciation), and the annual Revenue Procedures for cost-of-living adjustments. All 2026 contribution limits, tax brackets, and standard deduction amounts reflect IRS announcements through the date shown on each calculator.
Mortgage rate inputs reference Freddie Mac Primary Mortgage Market Survey data. HELOC rate inputs reference the Federal Reserve H.15 statistical release for prime rate. CD and savings rate data is sourced from FDIC weekly rate cap information and direct lender feeds. See our editorial standards for full sourcing methodology.