The calculators
70 calculators. All free. All honest math.
Every number in our videos comes from one of these. Run your own version, no account needed.
Investing & growth
See what steady investing turns into.
- Compound Interest Calculator See how your money grows over time
- Investment Calculator Project future investment values
- ROI Calculator Calculate return on investment
- Future Value Calculator Estimate future value of investments
- Rebalancing Calculator Find the trades that put your portfolio back on target
Retirement & F.I.R.E.
Find your number and your date.
- Annuity Calculator Calculate annuity growth with contributions
- Annuity Payout Calculator Calculate annuity payments or duration
- Annuity Nest Egg Planner Calculate how much you need to save for your desired income
- 401(k) Calculator Maximize your 401(k) growth
- Roth IRA Calculator Project your Roth IRA value
- Traditional IRA Calculator Plan your Traditional IRA
- Retirement Calculator Plan your retirement savings
- Social Security Calculator Estimate your SS benefits
- What Will I Have In 10 Years? All your investments in one place
- FIRE Calculator Financial Independence, Retire Early
- Coast FIRE Calculator Stop saving and still retire on time
- HSA Calculator See what a health savings account grows to by 65
- Target-Date Fund Calculator See how a target-date fund shifts from stocks to bonds
- RMD Calculator When required minimum distributions start, and how much
- Medicare Cost Calculator What Medicare really costs at 65, including IRMAA
- Long-Term Care Cost Calculator What care could cost, and what to set aside today
- ACA Subsidy Calculator Your marketplace premium tax credit, and the 400% cliff
QWOS originals
Our own tools for the bigger picture.
- Quantum Wealth OS Score Measure your financial system strength (0-100)
- Time-to-Freedom Calculate when money stops controlling your choices
- Lifestyle Inflation Detector Reveal hidden wealth leakage from lifestyle creep
- Sigma Discipline Score Measure your consistency, restraint, and financial discipline
- Net Worth Momentum Track if your net worth is accelerating or stalling
- ETF Growth Calculator Model ETF growth with historical averages
- REIT Dividend Calculator Model REIT income and growth with reinvestment
- Money Stress Load Quantify how much mental stress your finances are creating
- Financial Decision Regret Show the long-term cost of common financial decisions
- Financial Archetype Identify how you naturally behave with money
- Life Event Shock Simulator Stress-test finances against major disruptions
- Financial Fragility Index Measure how easily your finances could collapse under stress
- Delayed Action Cost Show the cost of waiting to invest or pay down debt
- Net Worth Velocity Forecaster Forecast future net worth based on current momentum
- Subscription Bleed Expose the lifetime cost of small recurring expenses
- Employer Benefit Optimizer Show how much free money you are leaving behind
Debt
Get out faster and pay less interest.
Home & housing
Buy, rent, refinance or invest.
- Mortgage Payoff Calculator See how extra payments accelerate your mortgage payoff
- Rent vs Buy Calculator Compare the true cost of renting versus buying
- House Affordability Calculator Find out how much house you can afford
- Down Payment Calculator Plan your home down payment savings
- Refinance Calculator See if refinancing makes sense for you
- Rental Property Calculator Analyze rental property investment returns
- Rent Calculator Calculate how much rent you can afford
Tax & paycheck
What you earn versus what you keep.
- Income Tax Calculator Estimate your federal and state income taxes
- Salary Calculator Convert between hourly, monthly, and annual salary
- Take Home Paycheck Calculator Calculate your net pay after taxes and deductions
- Marriage Tax Calculator See how marriage affects your tax situation
- Estate Tax Calculator Estimate potential estate tax liability
- Debt-to-Income Calculator Calculate your debt-to-income ratio
Cars
Loan or lease, with the real cost.
Everything else
Inflation, college, currency and more.
- Currency Calculator Convert between different currencies
- Inflation Calculator See how inflation affects purchasing power
- Sales Tax Calculator Calculate sales tax and total price
- Simple Interest Calculator Calculate simple interest on loans or investments
- Interest Calculator Calculate interest for any scenario
- Average Return Calculator Calculate average investment returns
- Savings Calculator Plan and project your savings growth
- Repayment Calculator Calculate loan repayment schedules
- Student Loan Calculator Calculate student loan payments and payoff
- College Cost Calculator Project future college costs and savings needed
- CD Calculator Calculate CD earnings and compare terms
- Bond Calculator Calculate bond yields and values
- Depreciation Calculator Calculate asset depreciation over time