FinanceToolz
Free Financial Calculators
Professional calculators for mortgages, investments, retirement, taxes, and budgeting. Make informed financial decisions with ease.
Real Estate & Mortgages
Buy, refinance, or rent: figure out what makes sense.
Mortgage Calculator
Monthly P&I, PMI, taxes, insurance, and amortization with state defaults.
Home Affordability Calculator
28/36 rule, max home price, PITI breakdown by state.
Rent vs Buy Calculator
Year-by-year breakeven analysis with appreciation and opportunity cost.
Reverse Mortgage Calculator
Estimate HECM loans and home equity conversion.
Tax Planning
2026 IRS brackets, OBBBA SALT cap, and every state.
US Tax Calculator 2026
Federal + state income tax with IRS 2026 brackets and OBBBA SALT cap.
Other Calculators
Paycheck Calculator
Net take-home pay after federal, state, and FICA withholding.
Capital Gains Tax Calculator
Short-term, long-term (0/15/20%), and NIIT on investment gains.
Self-Employment Tax Calculator
Schedule SE, half-SE deduction, and QBI 199A.
Retirement & Savings
401(k), IRAs, HSA, Social Security, and RMDs.
401(k) Calculator 2026
$24,500 limit, employer match, and SECURE 2.0 super catch-up.
Other Calculators
Roth IRA Calculator 2026
$7,500 limit, tax-free withdrawals, MAGI phase-outs.
HSA Calculator
Triple tax advantage, 2026 self/family limits, growth projection.
Social Security Calculator
Claim age 62/FRA/70 comparison and breakeven analysis.
Loans & Debt
Auto, student, credit card, and personal loans.
Auto Loan Calculator
Monthly payment, total interest, side-by-side term comparison.
Other Calculators
Student Loan Calculator
Federal IDR plans (IBR, PAYE, SAVE) with forgiveness breakeven.
Credit Card Payoff Calculator
Compare snowball, avalanche, and minimum-payment strategies.
Loan Payment Calculator
Generic monthly payment math for any fixed-rate loan.
Other Calculators
Family & Estate Planning
College savings, estate transfer, and household budgeting.
529 College Savings Calculator
Project balance vs cost, state tax deductions, SECURE 2.0 Roth rollover.
Estate Tax Calculator
$15M OBBBA federal exemption plus 17-state estate/inheritance overlay.
Net Worth Calculator
Assets minus liabilities with allocation breakdown and age-band benchmarks.
Budget Calculator
Track income and expenses with the 50/30/20 rule.
Other Calculators
Basic Financial Tools
Time value of money fundamentals.
Interest Calculator
Simple and compound interest with multiple frequencies.
Inflation Calculator
Adjust historical or future values for inflation.
Future Value Calculator
Project investment growth over time.
Financial Planning Blog
Learn about mortgages, investments, tax strategies, and smart money management
Why Choose FinanceToolz?
100% Free
All calculators are completely free to use
Global Support
Multiple regions supported with localized calculations
Private
Your data stays in your browser - we don't store anything
Instant Results
Get immediate calculations with detailed breakdowns