Free US Financial
Calculators & Tools
87 free calculators and tools for Americans: retirement, Social Security, Roth, net worth, tax, Medicare and more. Figures come from the IRS, SSA and other official sources. No signup. No ads.
United States 2026 — quick numbers
Headline IRS and Social Security figures for 2026.
401(k) employee limit
$24,500
Elective deferral, 2026
Source: IRS
401(k) catch-up (50+)
$8,000
$32,500 total, 2026
Source: IRS
Super catch-up (60–63)
$11,250
SECURE 2.0, 2026
Source: IRS
§415 combined cap
$72,000
Employer + employee, 2026
Source: IRS
HSA limit (family)
$8,750
$4,400 self-only, 2026
Source: IRS
Social Security wage base
$184,500
Taxable maximum, 2026
Source: SSA
Social Security COLA
2.8%
Benefit increase, 2026
Source: SSA
NIIT threshold (joint)
$250,000
$200K single MAGI
Source: IRS
Retirement calculators
See if you are on track, how much you need, and how to draw it down.
How Much Do I Need to Retire?
The savings number by spending level and retirement age, what you should have by 45 to 60, and how to catch up.
Retirement Calculator
Your full retirement age by birth year, and the Social Security benefit at 62, 67 and 70 side by side with a nest-egg projection.
401(k) Calculator
Project your 401(k) balance at retirement with the 2026 $24,500 limit, employer match, and SECURE 2.0 super catch-up.
Retirement Withdrawal Calculator
How long will your money last? See the age your savings run out, the most you can withdraw to reach any age, your plan against the 4% rule, and what two bad years at the start do to it.
Retirement Tax Calculator
Federal income tax on your Social Security, pension, IRA and 401(k) withdrawals for 2026 or 2027, with the deductions for people 65 and older and the tax on your next $1,000.
RMD Calculator
Required Minimum Distributions from age 73 (SECURE 2.0), Uniform Lifetime Table, and the 25% missed-RMD penalty (10% if corrected in time).
Pension Calculator
Lump sum or monthly pension? See the rate your plan's offer implies, when the lump sum would run out, your odds of outliving it, and the tax if you cash it out.
Annuity Calculator
Present value, future value and payout of an annuity — and whether a lifetime income quote beats investing the money yourself.
Life Expectancy Calculator
How long will your retirement last? Your average life expectancy and odds of reaching 80, 90 or 100 from the Social Security 2023 life table, plus a couple's planning age.
401(k) Withdrawal Calculator
Cashing out a 401(k)? See the income tax stacked on your other income, the 10% early-withdrawal penalty, state tax, and why the 20% withheld is not what you owe.
401(k) Loan Calculator
How much you can borrow from your 401(k), the payment per paycheck, the growth it costs, and the tax if it turns into a distribution.
Rule of 55 Calculator
Leaving your job at 55 or later? See if your 401(k) is penalty-free, the tax you still owe, and how it compares with a 72(t) plan.
72(t) Calculator
Retiring before 59½? Substantially equal periodic payments under all three IRS methods at this month's maximum rate, how long you are locked in, and the 10% recapture if the plan breaks.
NUA Calculator
Employer stock in your 401(k)? Compare the net unrealized appreciation route with an IRA rollover, and see the cost basis at which NUA stops paying.
Inherited IRA RMD Calculator
Inherited an IRA? See whether you owe yearly RMDs, how much, and when the 10-year rule says it must be empty, for spouses, children and other heirs.
Saver's Match Calculator 2027
From 2027 the government pays 50% of your first $2,000 of retirement savings — up to $1,000 each, into your account. Check the MAGI phase-out.
TSP Calculator
Project your Thrift Savings Plan with the FERS or BRS match and the 2026 limits — and see the agency money you lose below 5%.
FERS Retirement Calculator
Your FERS pension from your high-3 and service, when you can retire, the MRA+10 cut, survivor cost and the FERS supplement until 62.
Military Retirement Calculator
Military retired pay under High-36, BRS or REDUX from your years of service and high-36 basic pay — and all three compared.
Average Retirement Savings by Age
Retirement account balances by age from the Federal Reserve's Survey of Consumer Finances, with a rank check.
Average 401(k) Balance by Age
Typical 401(k) balances by age, median and average, so you can see where yours sits.
401(k) Contribution Limits
Employee, catch-up and combined limits, with what the next year's numbers mean for you.
IRA Contribution Limits
Traditional and Roth IRA limits, catch-up amounts and income phase-outs.
Retirement Ages by Country
Official retirement and pension ages compared across the US, UK, Canada, Australia, and 20+ countries — and how they're changing.
Retirement Planning Hub
Readiness score across 3 scenarios. 4% rule, Social Security claiming math, Retire-at-50/55/60/65/70 sections, and SECURE 2.0 RMD rules all in one page.
Roth and IRA calculators
Convert, contribute or compare, with the tax worked out.
Roth Conversion Calculator
The extra federal tax on a conversion by amount and income, room left in your bracket, and the break-even year.
Roth IRA Calculator 2026
Your 2026 Roth IRA limit under the income phase-out ($7,500, $8,600 at 50+) and what yearly contributions could grow to, tax-free.
Roth vs Traditional IRA
Compare Traditional vs Roth IRA at your current marginal rate vs expected retirement rate. Tax math, not vibes.
Roth Conversion Ladder
Multi-year ladder strategy for early retirees — convert pre-tax to Roth in low-income years for SEPP-free access.
Backdoor Roth Calculator
Step-by-step backdoor Roth IRA workflow for high earners over the IRA income limits.
Mega Backdoor Roth
After-tax 401(k) → Roth conversion under §415 with in-service distribution and the $70K combined cap.
Net worth calculators
Add up what you own and compare it with people your age.
Net Worth Calculator
Total net worth across retirement accounts, brokerage, real estate, and debts. See your percentile rank vs Federal Reserve SCF 2025.
Net Worth Percentile Calculator
Enter age + net worth to get your exact percentile by age band, plus the distance to the top 10% and top 1%. Federal Reserve SCF 2025, on-device.
Average Net Worth by Age (US)
Federal Reserve SCF 2025 median, average, p10-p99 thresholds by US age group. Includes top-10% and top-1% benchmarks plus interactive percentile lookup.
Net Worth Percentiles
What net worth puts you in the top 50%, 10%, 5% or 1% of US households.
Top 1% Net Worth by Age
The net worth it takes to reach the top 1% at each age.
Average Inheritance by Age (US)
The average US inheritance is ~$46,200 (Federal Reserve SCF), the median far lower; only ~1 in 3 ever inherit, at a median age of ~58. Amounts by recipient wealth, timing by age, and the 2026 estate/inheritance tax rules.
Early retirement and FIRE calculators
Work out when you could stop, and how to cover the years before Medicare.
Early Retirement Calculator
When can you actually retire? Compare retiring at 55, 60, 65 and 70 against your current savings and contribution rate.
FIRE Calculator
US FIRE number with 4% safe-withdrawal rule, Lean/Fat thresholds, and Social Security integration.
Coast FIRE Calculator
What's the lowest balance that — left to compound — grows to your full FIRE number by 65?
Lean FIRE Calculator
FIRE on under $40K/year. At $2K/month expenses and 7% returns you only need $600K — find your frugal retirement number.
Barista FIRE Calculator
Part-time income slashes your FIRE number. Earning $20K/year cuts a $1.25M target to $750K — see when you can semi-retire.
Fat FIRE Calculator
Retire affluent on $100K+/year. At $120K/year and the 4% rule you need $3M — find your Fat FIRE number, timeline, and savings plan.
FIRE Healthcare Bridge
The ACA subsidy cliff is back for 2026 — one dollar over 400% of FPL costs the whole credit. Price the gap to Medicare at 65.
Medicare and health calculators
Premiums, surcharges and health savings.
IRMAA Calculator
2026 Medicare IRMAA brackets from your 2024 income: your Part B and Part D surcharge, the distance to the next cliff, and the SSA-44 appeal.
Medigap vs Medicare Advantage
Yearly cost of Plan G, Plan N or high-deductible G against an Advantage plan: premiums, worst case and the $9,850 2027 out-of-pocket limit
Medicare Part D Calculator 2027
Your yearly drug costs under the 2027 standard benefit: the $700 deductible, 25% coinsurance and the $2,400 out-of-pocket cap, plus monthly bills under the Prescription Payment Plan.
HSA Calculator
Triple-tax-advantaged HSA projection through age 65 with the 2027 $4,500/$9,000 limits, 2026 and 2025, and HDHP qualification.
HSA vs FSA Calculator
Open enrollment: compare what an HSA and an FSA save on your own medical bills, what the FSA forfeits and what the HSA keeps.
Tax and paycheck calculators
Federal and state tax, investment gains, estates and take-home pay.
Federal Income Tax Calculator 2026
Your 2026 federal tax, effective and marginal rate, and refund or balance due — brackets, standard deduction, the $2,200 child tax credit, qualified dividends and the new tips, overtime and senior deductions.
Capital Gains Tax Calculator 2026
Tax on selling stock, funds or a home: long-term gains at 0% up to $49,450 of taxable income (single), 15% and 20% above, short-term at ordinary rates, plus the 3.8% NIIT.
Capital Gains Harvest Calculator
Tax-gain harvesting in the 0% LTCG bracket — find the exact 'sell window' for taxable accounts.
NIIT Calculator
3.8% Net Investment Income Tax thresholds ($200K single / $250K joint MAGI) on dividends, interest, and capital gains.
Estate Tax Calculator 2026
Federal estate tax above the $15M OBBBA exemption ($30M/couple) plus all 17 state estate & inheritance tax schedules — OR from $1M, NY cliff, PA by heir class.
Probate Fees Calculator
What probate really costs. California's statutory schedule (§§ 10800/10810) is paid TWICE and charged on gross appraised value, so a mortgage doesn't reduce it. Florida's § 733.6171 schedule, and why most states have no percentage at all.
Form 8621 PFIC Calculator
Own a foreign mutual fund or ETF? Estimate the PFIC tax and interest charge on a sale, and check whether you must file Form 8621.
Paycheck Calculator 2026
Your take-home pay after federal withholding (IRS Pub 15-T method), Social Security, Medicare and state tax — plus what saving 1% more in your 401(k) really costs.
Salary Calculator 2026
Hourly to salary and back — weekly, biweekly, monthly — and your take-home pay after 2026 federal, FICA and state taxes.
Bonus Tax Calculator 2026
What's withheld from your bonus at the flat 22% (or the aggregate method), FICA and state tax — your take-home, and what you'll really owe at tax time.
No Tax on Overtime Calculator
Deduct the premium half of FLSA overtime, up to $12,500 ($25,000 joint), phased out above $150,000 of income. See your deduction and the federal tax it saves.
Sales Tax Calculator 2026
Sales tax on a purchase with your state plus local rate — or the price before tax — and every state's 2026 base rate.
California Income Tax Calculator
California tax brackets and what you owe, alongside federal rates.
New York Income Tax Calculator
2026 New York State and NYC income tax: the new lower rates, your brackets and the recapture above $107,650.
Michigan Income Tax Calculator
2026 Michigan income tax: the flat 4.25% rate, the $5,900 exemption, and the Detroit, Grand Rapids and other city income taxes for residents and commuters.
Texas Paycheck Calculator
Texas has no state income tax — see your 2026 take-home per paycheck after federal tax, and how much more you keep than in California, New York and other states.
Florida Paycheck Calculator
Florida has no state income tax — see your 2026 take-home per paycheck after federal tax, and how much more you keep than in California, New York and other states.
Home and property calculators
What your home is worth to you, from equity to downsizing.
Home Equity Calculator
How much equity do you have and what could you borrow? HELOC, home equity loan, cash-out refinance and reverse mortgage compared, plus your home's share of net worth.
Home Sale Proceeds Calculator
What you walk away with when you sell: cash at closing after commission, costs and the mortgage, plus tax after the $250,000 / $500,000 home sale exclusion.
Reverse Mortgage Calculator
How much an FHA reverse mortgage (HECM) pays at your age and rate, from HUD's own principal limit factors and the $1,249,125 2026 limit — costs, first-year cap and a growing credit line.
Mortgage Payoff Calculator
How much sooner extra monthly, yearly or lump-sum payments pay off your mortgage, the interest saved, and whether to pay it off or invest instead.
Mortgage Calculator
US mortgage payment, amortization, PMI, and total interest paid over the loan term.
Refinance Calculator
Refinance break-even months, lifetime interest saved, and points break-even analysis.
Rent vs Buy Calculator
Closing costs, property tax, PMI and rent inflation against investing the difference — the breakeven year and net wealth both ways.
Property Tax Calculator
Property tax in any state from Census data, plus the Texas $140,000 school homestead exemption ($200,000 at 65+) and Florida's $25,000 + $26,411 exemptions with the Save Our Homes cap.
Rental Income Calculator
Cap rate, cash on cash return, monthly cash flow, and DSCR for any US rental property. Enter rent, expenses, and mortgage to see if the deal pencils.
Cap Rate Calculator
Net operating income, cap rate and gross rent multiplier for a rental — plus what you can pay to hit a target yield.
Savings and debt calculators
Grow what you have and clear what you owe.
Compound Interest Calculator
Compound growth with monthly contributions, side-by-side scenario comparison.
Savings Calculator
How your savings grow with monthly deposits at your APY, the interest you earn, and how long it takes to reach a goal.
CD Calculator
What your CD earns by maturity, the tax on the interest, your return after inflation, the early withdrawal penalty and APR to APY.
I Bond Calculator
What your I bond is worth — every 6-month rate since you bought it, interest earned, and the cash value after the 3-month penalty. Now 5.51%.
Dividend Calculator
Project dividend income with reinvestment (DRIP), see the tax on qualified dividends, and find how much you need invested for a monthly income.
Emergency Fund Calculator
How many months of expenses should you save? Sized to income stability — 3 months for two incomes, 6 for one, 9–12 for variable/self-employed — with the gap and time to close it.
Debt Payoff Calculator
Your debt-free date and total interest across cards and loans — avalanche vs snowball vs minimum payments, plus a one-card credit card payoff calculator.
Car Loan Calculator
Monthly payment and total interest with sales tax and trade-in — plus how much the new car loan interest deduction (2025–2028) gives back each year.
Credit Score Simulator
Payment history is 35% of your score, utilization 30%. See which one is holding you back — and what paying down a card is worth.
Education and family calculators
College costs, student loans and accounts for children.
529 Plan Calculator
Project a 529 balance to a target college-cost year. Includes SECURE 2.0 Roth IRA rollover (up to $35K lifetime).
FAFSA Calculator 2027-28
Estimate your Student Aid Index (SAI) for the 2027-28 FAFSA (opens Oct 1, 2026) with the Education Department's own formula, plus maximum, partial and minimum Pell Grant eligibility.
Student Loan Calculator
Monthly payment, total interest and payoff date — and what extra payments save — with the 2026-27 federal rates.
RAP Student Loan Calculator
The new Repayment Assistance Plan (live July 1, 2026): payment is 1%–10% of AGI minus $50/dependent, unpaid interest waived, forgiveness at 30 yrs. Vs standard 10-year.
Trump Account Calculator
Project the $1,000 federal seed + up to $5,000/yr for kids born 2025–2028 to age 18 and beyond. Side-by-side vs 529.
More tools and guides
Everyday money checks and longer reads.
Inflation Calculator
What money from any year since 1913 is worth in October 2026, using official BLS CPI data, plus the inflation rate by year.
Real Wage Calculator
Is your salary beating inflation? Enter two salaries and see your REAL raise from official BLS CPI data — a $15K raise since 2021 can still be a pay cut.
Cost of Living Calculator
Compare any two states or 387 metro areas and see the salary you need after a move — official 2024 BEA price levels for housing, goods, utilities and services.
What-If Scenarios
Recession, rate-hike, high-inflation, and save-more scenarios projected on your numbers — explored with Sam, the What-If Strategist.
Financial Wellbeing Score
Free CFPB-aligned 60-second assessment. Score 0-100 with band vs the US median of 54, plus one targeted recommendation based on your weakest response.
Currency Converter
USD to 30+ currencies with live rates for travel, remittance, and multi-currency portfolios.
Questions about these calculators
What free financial calculators are available for Americans?
Richify has 87 free US calculators and tools. They cover retirement (401(k), RMD, pension, annuity, withdrawals), Social Security, Roth and IRA moves, net worth by age, early retirement and FIRE, Medicare, federal and state tax, home and property, savings and debt, and education. No signup or ads.
Which retirement calculator should I start with?
Start with how much you need to retire, then use the retirement calculator to project whether your savings get there. If you are within about 10 years of stopping work, add the Social Security calculator for your claiming age and the retirement withdrawal calculator to see how long the money lasts.
What is the 401(k) contribution limit for 2026?
The IRS 2026 employee elective-deferral limit is $24,500. Catch-up at age 50+ is $8,000 ($32,500 total); the SECURE 2.0 super catch-up at ages 60-63 is $11,250 ($35,750 total). Combined employer + employee cap under §415 is $72,000 in 2026. Use Richify's 401(k) Calculator to project your balance at retirement.
Which retirement strategy is best for high earners over the IRA income limits?
Three sequenced strategies: (1) Backdoor Roth IRA — non-deductible Traditional IRA contribution then immediate Roth conversion, fully legal and IRS-confirmed. (2) Mega Backdoor Roth — after-tax 401(k) contributions to the §415 limit ($72K total in 2026) then in-service Roth conversion. Requires plan support. (3) Roth Conversion Ladder — for early retirees, convert pre-tax balances to Roth in low-income years to access funds penalty-free after 5-year aging.
Social Security calculators
When to claim, what your spouse or survivor gets, and what is taxed.
Social Security Calculator
Claim at 62, 67 or 70? Your monthly check, lifetime total and break-even age, plus spousal and survivor benefits.
Social Security Tax Calculator
Is your Social Security taxable? See how much (0%, up to 50% or 85%) from your provisional income, the 2026 federal tax it adds, and the tax torpedo on your next dollar.
Social Security Cut Calculator
Trust funds deplete in the 2030s, triggering an automatic across-the-board benefit cut — 2034/~17% (combined) or 2032/~22% (OASI). See your reduced check and lifetime shortfall.
2027 Social Security COLA: 3.6%
Official: SSA announced a 3.6% COLA for 2027 on 14 Oct 2026 (2026: 2.8%). Average retired-worker benefit $2,095 → $2,170 a month. See the CPI-W numbers behind it and calculate your 2027 benefit.