86 calculators built for the $500K-$5M net worth range. Mortgage, estate tax, capital gains, FIRE, Roth conversion, AMT, QBI. Plug in your numbers. Get your answer instantly.
CalcMoney calculators are designed for individuals with $500,000 to $5,000,000 in net worth. At this wealth level, the difference between an optimized and an unoptimized decision compounds into millions over 20 years. A Roth conversion timed incorrectly costs $40,000 in avoidable tax. An estate not repositioned before the 2026 TCJA sunset costs $400,000 or more. An ISO exercise without modeling the AMT exposure triggers a six-figure surprise bill.
These calculators do not explain what a 401k is. They model the specific numbers that matter at the decision point you are actually at.
The capital gains tax calculator covers federal rates (0%, 15%, 20%), all 50 state overlays, and the 3.8% NIIT for earners above $200,000. The estate tax calculator shows your 2024 exposure and the additional tax if the TCJA exemption drops from $13.61M to $7M in 2026. The AMT calculator models ISO exercise spreads against the 2024 exemption phaseout thresholds. The SALT deduction optimizer shows exactly how much the $10,000 cap costs you at your marginal rate.
New in 2024: QBI deduction optimizer (Section 199A pass-through income), 83(b) election calculator for restricted stock, IRMAA Medicare premium optimizer, mega backdoor Roth contribution space calculator, and tax bracket optimizer with Roth conversion window and capital gains harvesting analysis.
The FIRE calculator projects portfolio survival probability at different withdrawal rates using Monte Carlo simulation. The 401k analyzer models employer match capture, Roth vs traditional allocation, and 30-year balance projections. The Social Security optimizer models claiming ages from 62 to 70 — delaying from 62 to 70 increases your benefit by approximately 76% with a breakeven age of 80 to 82.
The Roth conversion calculator shows the exact dollar amount to convert each year to fill your current bracket without triggering the next. The RMD calculator projects required minimum distributions from age 73 with full Uniform Lifetime Table calculations.
The mortgage calculator shows full PITI payments with a complete amortization schedule. The rent vs buy calculator accounts for the opportunity cost of the down payment — 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 HELOC calculator compares draw period interest-only payments against a cash-out refinance.
The debt avalanche vs snowball calculator compares two payoff strategies: the avalanche saves more total interest, the snowball produces faster early wins. Crypto calculators cover gains, cost basis, ROI, and tax treatment on digital asset positions. General calculators cover net worth tracking, compound interest, savings goals, business runway, and investment return modeling.
Tax figures reference current IRS publications through the most recent Revenue Procedures for cost-of-living adjustments. All 2024-2025 contribution limits, tax brackets, and standard deduction amounts reflect IRS announcements as of the date shown on each calculator. Mortgage rate inputs reference Freddie Mac Primary Mortgage Market Survey data. IRMAA thresholds and Medicare Part B premium tables are sourced directly from CMS.gov annual announcements.
Results are estimates for informational purposes only. Consult a licensed financial professional before making financial decisions. CalcMoney does not provide investment, tax, or legal advice.
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.
Enter your expenses and savings rate. See exactly when you hit financial independence using the 4% rule.
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.
Find out whether your gains are taxed as short-term income or long-term capital gains, and what you'll actually owe.
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.
Enter your extra monthly payment and see exactly how much interest you eliminate and how many years you cut off your loan.
Model the tax deferral from a like-kind property exchange. Compare your after-tax position with and without a 1031 to find the crossover point where exchanging beats selling.
Calculate cap rate, net operating income, cash-on-cash return, and unlevered IRR for any income property. Model rent growth, vacancy, and refinancing events.
See exactly what you walk away with after selling. Enter your sale price, mortgage payoff, agent commission, and closing costs to find your net proceeds before federal capital gains.
Calculate your full 15.3% SE tax burden. See your total FICA liability and the deductions available to freelancers and 1099 contractors.
Calculate the total price with any sales tax rate applied, or find the pre-tax amount from a total. Works for any state.
Find out if the pro-rata rule kills your backdoor Roth conversion and see 20-year projections of Roth vs taxable growth for high-income earners.
Calculate your after-tax income from RSU vests, ISO exercises, and NSO grants. See federal tax, FICA, and AMT risk for each equity type.
Calculate your 2024 federal estate tax and see how the 2026 TCJA sunset changes your exposure when the exemption drops from $13.6M to roughly $7M.
Model HSA triple-tax savings against a taxable account over 20 years. See how much more you keep when contributions, growth, and withdrawals all avoid tax.
Find out if you owe Alternative Minimum Tax. Model ISO exercise spreads, add-backs, and the 2024 exemption phaseout to see your tentative minimum tax vs regular tax.
Calculate your Section 199A qualified business income deduction. See the 20% QBI benefit, W-2 wage limitation, UBIA phase-in, and SSTB restriction at your income level.
See the exact dollar cost of the $10,000 SALT cap on your tax bill. Compare state income + property taxes against the federal cap and find your marginal haircut.
Compare investing a realized capital gain into a Qualified Opportunity Zone vs paying tax now and reinvesting. See 10-year net worth for both paths side by side.
Decide whether to file an 83(b) election on restricted stock. Compare total tax owed with and without the election across your full vesting schedule.
Compare donating cash vs appreciated stock to a DAF. See the tax savings from avoiding capital gains, the deduction value, and the impact of charitable bunching.
Calculate your quarterly estimated tax payments. See all four due dates, the safe harbor threshold at your income level, and your underpayment penalty risk.
Calculate how much after-tax 401(k) space you have beyond the standard pre-tax limit. See your in-plan Roth conversion amount and 20-year tax-free growth projection.
Find your exact Roth conversion window and 0% capital gains harvesting room. See how much income fits in each bracket before you cross into the next.
Calculate your 2024 Medicare Part B and Part D IRMAA surcharges based on 2022 MAGI. See each income tier and find out if you qualify to appeal with Form SSA-44.
Model the federal and state tax on a business sale. Compare asset vs. stock sale structure, installment sale treatment, and QSBS exclusion eligibility.
Calculate your CRT income stream, charitable deduction, and capital gains deferral. See the net benefit versus an outright sale of appreciated assets.
Model tax-efficient exit strategies for a large equity position. Compare immediate sale, staged sales, exchange funds, and charitable transfer across 10-year timelines.
Convert any muni bond yield to its taxable equivalent at your federal and state rate. See the exact spread above Treasuries needed to justify switching from taxable bonds.
Model your Section 1202 qualified small business stock gain exclusion. See the 50%, 75%, or 100% exclusion rate by acquisition date and the per-issuer AMT exposure.
Calculate the tax benefit of harvesting unrealized losses against capital gains. See net savings after wash-sale restrictions and the long-term cost basis impact on future gains.
Model the federal gift tax on cash, securities, and real estate transfers. See your annual exclusion usage, taxable gift amount, lifetime exemption remaining, and when Form 709 is required.
Check whether your trade triggers the IRS wash sale rule. Enter sale and repurchase dates to see if your loss is disallowed, calculate the adjusted basis, and find the earliest clean-date.
Calculate annual income tax savings from relocating between states. Compare your current state against any no-tax or lower-tax state and see 5-year and 10-year cumulative savings.
Calculate the stepped-up cost basis on inherited assets. See how much capital gains tax is permanently eliminated when you inherit stocks, real estate, or other appreciated property.
Model the Alternative Minimum Tax triggered by exercising incentive stock options. Enter shares, strike price, and FMV at exercise to see your federal AMT exposure and state income tax.
Calculate the 3.8% Net Investment Income Tax on dividends, capital gains, and rental income. See exactly how much MAGI above $200K (single) or $250K (MFJ) triggers the surtax.
Model a Grantor Retained Annuity Trust to transfer asset appreciation to heirs tax-free. See the annuity payment, remainder to heirs, and estate tax savings when assets beat the IRS 7520 rate.
Compare claiming at 62 (reduced benefit) vs. full retirement age vs. 70 (maximum benefit). See the lifetime breakeven point.
Compare the spousal benefit (50% of worker's PIA) against claiming your own record. Find which strategy produces more lifetime income.
Compare fixed, variable, and immediate annuity payout options. See your guaranteed income stream, total return, and how annuitization stacks up against drawdown.
Calculate the tax advantage of deferring executive compensation via an NQDC plan. Model your projected distribution income against current tax rates to find the optimal deferral amount.
Model your required distributions under SECURE 2.0. Calculate the 10-year depletion schedule, annual tax impact, and whether a stretch strategy or lump-sum withdrawal minimizes lifetime tax.
Calculate how much of your RMD can be offset by a QCD to charity. See the income exclusion benefit, IRMAA bracket impact, and net tax savings versus itemizing a cash donation.
Project retirement income from all sources: Social Security, 401(k) and IRA withdrawals, pensions, and rental income. Model drawdown order and RMD impact on your portfolio.
Calculate your required minimum distributions from traditional IRAs and 401(k)s using the IRS Uniform Lifetime Table. See annual RMD amounts through age 90 and cumulative tax impact.
Compare your after-tax retirement wealth under Roth and pre-tax 401(k) contributions at your current vs. projected future tax rate. Includes RMD modeling for the traditional path.
Find the optimal claiming age to maximize lifetime benefits. Model the 62, 67, and 70 breakeven points against your life expectancy and portfolio withdrawal needs.
Find your break-even age for taking a pension versus rolling over the lump sum. Model investment returns, state tax on pension income, and life expectancy to see which option builds more wealth.
Find the fastest path to zero debt. Compare Avalanche (highest interest first) and Snowball (smallest balance first) side by side.
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.
Calculate your exact return on any crypto investment, including annualized yield, from any entry price to any exit price.
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.
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.
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.
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 your Employee Stock Purchase Plan discount value, after-tax immediate sale proceeds, and annualized return on payroll contributions.
Compare your high-deductible health plan against a traditional PPO. Find the exact healthcare spending level where each plan wins.
Project how much your 529 plan grows by age 18, whether you are on track to cover tuition, and the monthly contribution needed to close any funding gap.
See where your net worth ranks among American households in your age group using Federal Reserve Survey of Consumer Finances data.
Calculate how much disability coverage you need to protect your income. Factor in existing benefits, Social Security DI eligibility, and the benefit period required to reach your assets.
Calculate the current and projected value of US Series I savings bonds. See composite rate breakdowns, purchase limit utilization, and comparison to HYSA at your tax bracket.
Calculate the coverage amount required to replace your income, retire your debts, and fund your dependents' goals. Compare term, whole, and universal life cost structures.
Estimate your lifetime LTC exposure based on care type, location, and inflation. See how much of your portfolio is at risk and the breakeven for LTC insurance premiums.
Enter your current and target allocations to find the exact trades needed to rebalance. Compares drift-based vs. calendar-based rebalancing and models tax impact.
Calculate IRR and MOIC for PE and venture investments from cash flow schedules. Model J-curve timing, DPI vs. RVPI, and fee drag on net returns.
Compare investing a windfall all at once versus spreading it over 12 months. Lump sum outperforms DCA about 67% of the time — model both paths over any horizon.