Free US Financial
Calculators & Tools
17 free tools built for Americans — covering 401(k), Roth strategies, HSA, FIRE, mortgage, and more. IRS-aligned for tax year 2025. No signup. No ads.
401(k) Calculator
Project your 401(k) balance at retirement with the 2025 $23,500 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 2026 $4,400/$8,750 limits 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?
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.
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).
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.
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.