Financial Independence Calculator
Calculate when you can retire early with tax-aware withdrawals, account-type breakdowns (401k, IRA, Roth, HSA, brokerage), and scenario modeling using the 4% rule.
Financial tools powered by real data
Tax calculators, income comparisons, cost of living data, and planning tools — all built on Census, IRS, and BLS data instead of generic formulas.
Historical Investment Calculator
What if you'd invested in the S&P 500, NASDAQ, or any of 11 asset classes? Lump sum, monthly DCA, or loan-payment-equivalent — with real total-return data going back to 1871. Compare two scenarios on the same chart.
Paycheck to Paycheck Calculator
Enter your income and city — we show what life actually costs where you live and diagnose whether you're stretched because of local costs, your income, or both.
Monthly Budget Calculator
Quickly estimate how much you can comfortably spend each month after bills, savings, and big upcoming expenses.
Paycheck Budget Calculator
Budget a single paycheck down to zero — weekly, biweekly, or monthly. See which bills come out of which check, auto-split annual costs into a per-paycheck set-aside, and know exactly what's left.
Budget by Paycheck
See which paycheck pays which bill for the next six months. Enter your pay schedule and bill due dates and get a calendar of every payday, the bills each check has to cover, where your balance bottoms out, and which months pay you three times.
Overdraft Predictor
Find out whether you run out of money before payday — and on which day. Enter your balance, your next payday and the bills still to come, and see your balance day by day, the bill that tips it under, what it would cost in fees, and the one due date worth moving.
Sinking Fund Calculator
Plan every irregular expense at once — car, home, Christmas, insurance — and see how much to set aside each month, with real cost defaults by state and county. Includes a 12-month look-ahead of when each one comes due.
Inflation Calculator
What an old dollar amount is worth today, from published US government price data back to 1913. Also breaks the answer down by spending category, so you can see that rent, groceries, medical care and tuition moved at completely different rates. Every other inflation calculator gives you the blended average only.
Real Estate vs. Stocks Calculator
Buy the rental or buy the index? Replayed across every start month in 50 years of real home-price history, with depreciation, §1250 recapture, passive-loss limits and the tax bill at the sale all modeled. Most calculators model none of them.
Cost of Raising a Child Calculator
What a child adds to your budget, monthly and to age 18, priced from county-level childcare and housing data with 2026 tax credits computed. Every line sourced and editable.
Income Percentile Calculator
See where your income ranks compared to your ZIP code, city, county, state, or the entire U.S.
Net Worth Percentile Calculator
See what percentile your net worth falls in compared to all U.S. households and your age group. Uses Federal Reserve Survey of Consumer Finances data.
Debt Percentile Calculator
See how your debt compares to other U.S. households nationally and by age group. Toggle between total debt and consumer debt (excluding mortgage). Uses Federal Reserve SCF data.
Retirement Savings Percentile Calculator
See how your retirement savings compare to U.S. households by age, education, income, marital status, and race/ethnicity. The only calculator with full demographic breakdowns. Uses Federal Reserve SCF data.
Cost of Living Calculator
Compare housing, childcare, and taxes for any city, county, metro, or state against the U.S. average.
Take-Home Pay Calculator
Calculate your actual paycheck after federal, state, and FICA taxes. Supports salary and hourly input, 401(k)/HSA/FSA deductions, and biweekly, weekly, or monthly breakdowns for all 50 states.
Pay Raise Calculator
See what your raise is actually worth after taxes and inflation.
Spending Breakdown by Income
See exactly how Americans at every income level spend their money — housing, food, healthcare, retirement, and more. Compare your own spending against BLS Consumer Expenditure Survey 2024 data.
Relocation Calculator
Compare your complete financial picture in any two U.S. cities. See how taxes, housing, expenses, and savings change if you move — with 2026 data from 22 government sources.
Housing Affordability Map
See how affordable housing really is in every U.S. ZIP code, measured relative to your income. Enter your household income and compare starter, typical, and move-up homes.
Local Housing Affordability Map
What percentage of local households can afford to buy a home in their own area? Uses Census income distributions and real housing costs for every ZIP code.