Free Financial Calculators
10 brutally honest tools built for Americans — tax, retirement, debt, credit, and more. No sign-up. No fluff. Just answers.
RE Portfolio Tracker
Track all your rental properties in one dashboard. Monitor cash flow, cap rate, equity, and get AI-powered insights from Felix to optimize your portfolio.
Rental Income Calculator
Calculate monthly cash flow, cap rate, cash-on-cash return, and break-even occupancy for any rental property. Enter 11 property details and get 6 key metrics instantly.
Property ROI Calculator
Project total returns over your holding period including cash flow, appreciation, equity buildup, and IRR. See a year-by-year breakdown of your investment performance.
Reality Check
Compare real cost of living across 500+ US suburbs. See how rent, food, transport & lifestyle costs stack up before you move.
Gig Tax Calculator
Freelancer or gig worker? Calculate exactly what you owe the IRS, including self-employment tax and quarterly payments.
Opportunity Cost
See what that daily latte or Netflix sub is really costing you in 10, 20, and 30 years — invested instead.
Subscription Roast
Drop in your subscriptions and get brutally honest feedback on which ones are bleeding you dry when invested long-term.
401(k) vs Roth IRA
Pre-tax or post-tax? Enter your income, employer match, and tax situation to get a clear winner for your retirement strategy.
Student Loan Speedrun
Find the fastest payoff path for your federal or private student loans. See avalanche vs. snowball vs. income-driven plans side by side.
State Tax Escape
Model your after-tax income if you relocated to Texas, Florida, Tennessee, or any other state. How much would you actually save?
Credit Score Quest
Understand exactly what's dragging your score down and get a gamified action plan to hit 750+ and unlock better rates.
HSA Cheat Code
Unlock the full power of your Health Savings Account. See how investing your HSA creates the only triple-tax-advantaged vehicle in the US.
FIRE Calculator
How many years until you can retire early? Enter your savings rate and target spending to see your path to financial independence.
Net Worth Calculator
Your full financial position in one number. Add cash, investments, property, retirement accounts, then subtract mortgages, loans, and credit card balances.
Emergency Fund Calculator
How much cash should you have on hand? Enter monthly expenses and we'll calculate your emergency fund target with risk-adjusted recommendations.
Cap Rate Calculator
Calculate the capitalization rate on a rental property — NOI divided by property value. Compare investment yields across markets in seconds.
All Portfolio One View
Track stocks, ETFs, crypto, real estate, retirement accounts, and cash in a single net-worth dashboard. The Richify mission: every asset, one screen.
