Free US Financial
Calculators & Tools
26 free tools built for Americans — 401(k), Roth strategies, HSA, FIRE, rental income, net worth by age, and more. IRS-aligned for tax year 2025. No signup. No ads.
United States 2026 — quick numbers
Headline IRS + Social Security + Federal Reserve figures for tax year 2025.
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
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.
Roth vs Traditional IRA
Compare Traditional vs Roth IRA at your current marginal rate vs expected retirement rate. Tax math, not vibes.
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.
Roth Conversion Ladder
Multi-year ladder strategy for early retirees — convert pre-tax to Roth in low-income years for SEPP-free access.
HSA Calculator
Triple-tax-advantaged HSA projection through age 65 with the 2027 $4,500/$9,000 limits, 2026 and 2025, and HDHP qualification.
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?
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.
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.
RMD Calculator
Required Minimum Distributions from age 73 (SECURE 2.0), Uniform Lifetime Table, and 50% missed-RMD penalty math.
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.
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.
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.
Roth Catch-Up Calculator
Earned over $150K last year and 50+? Your 2026 catch-up must be Roth — see the extra tax now vs the tax-free payoff later.
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 Estimate
Every tracker cut after July CPI-W came in at 3.4%: the range is now 3.4%–3.6% (up from 2.8%); official figure ~Oct 14. See the CPI-W mechanic and estimate your 2027 monthly benefit.
Mileage Deduction Calculator
2026's split-year rates: 72.5¢ Jan–Jun, 76¢ from July 1 (IRS raised it mid-year). Enter miles per half — get your exact deduction.
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.
Retirement Ages by Country
Official retirement and pension ages compared across the US, UK, Canada, Australia, and 20+ countries — and how they're changing.
US Guides Hub
All US money guides in one place — contribution limits, side-hustle taxes, FIRE playbooks, and tool deep-dives.
Financial Quiz
60-second financial confidence check across savings, goals, investing, debt, and spending — with a personalised score.
Capital Gains Harvest Calculator
Tax-gain harvesting in the 0% LTCG bracket — find the exact 'sell window' for taxable accounts.
529 Plan Calculator
Project a 529 balance to a target college-cost year. Includes SECURE 2.0 Roth IRA rollover (up to $35K lifetime).
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.
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.
Net Worth Calculator
Total net worth across retirement accounts, brokerage, real estate, and debts. See your percentile rank vs Federal Reserve SCF 2022.
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 2022, on-device.
Average Net Worth by Age (US)
Federal Reserve SCF 2022 median, average, p10-p99 thresholds by US age group. Includes top-10% and top-1% benchmarks plus interactive percentile lookup.
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.
What-If Scenarios
Recession, rate-hike, high-inflation, and save-more scenarios projected on your numbers — explored with Sam, the What-If Strategist.
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.
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.
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.
Emergency Fund Calculator
How many months of expenses are you covered? Find your 3–6 month target, gap, and a savings plan to close it. HYSA tips included.
Compound Interest Calculator
Compound growth with monthly contributions, side-by-side scenario comparison.
Currency Converter
USD to 30+ currencies with live rates for travel, remittance, and multi-currency portfolios.
