Free Financial Calculators
Every money and tax calculator on FreeToolsToGo — 38 free tools using 2026 rates and the actual IRS formulas. No signup, no ads in your way, and every calculation runs privately in your browser.
Taxes
All 6 Taxes tools →Federal and state tax estimates built on the actual IRS brackets and statutory formulas — your full Form 1040 liability, Schedule SE self-employment tax, quarterly 1040-ES payments, capital gains, AMT, and bonus withholding.
AMT Calculator for ISO Exercises
Estimate the Alternative Minimum Tax on an ISO exercise — with the AMT crossover
Bonus Tax Calculator
See your bonus take-home — supplemental withholding, FICA, and the shortfall vs your real rate
Self-Employment Tax Calculator (Schedule SE)
Compute Schedule SE tax with SS wage base, Medicare, Additional Medicare, and the deductible-half offset
Quarterly Estimated Tax Calculator (Form 1040-ES)
Compute Form 1040-ES quarterly payments with the IRC § 6654 safe-harbor underpayment-penalty check
Capital Gains Tax Calculator
Compute short-term vs long-term capital gains tax with NIIT and the "hold to long-term" scenario
Federal Income Tax Calculator
Full Form 1040 estimate with wages, 1099, gains, all 5 filing statuses, standard/itemized, CTC, SE tax, LTCG, NIIT
Business & Finance
All 15 Business tools →Everyday money tools for freelancers and small businesses — invoice clients with a watermark-free PDF, calculate take-home pay in all 50 states, price your freelance work, and add sales tax for any state.
Invoice Generator
Create and download professional invoices instantly
Paycheck Calculator
Calculate your take-home pay after taxes instantly
Startup Runway & Burn Rate Calculator
Runway in months + Paul Graham's "default alive" check with month-by-month cash projection
SaaS Metrics Calculator
MRR, ARR, GRR, NRR, LTV, CAC payback, Rule of 40 — full SaaS unit-economics dashboard from one MRR waterfall
Cap Table / Equity Dilution Calculator
Model founder dilution through option pool, SAFE conversion, and priced rounds (seed + Series A)
Loan Calculator
Auto, personal, student & home equity loan calculator with amortization schedule
1099 vs W-2 Calculator
Compare W-2 employment vs 1099 contracting take-home — SE tax, QBI, benefits
Freelance Rate Calculator
Calculate the hourly rate you actually need to charge as a freelancer
Profit Margin Calculator
Calculate gross margin, net margin, and markup — and reverse-calculate your price
Sales Tax Calculator
Calculate sales tax for any US state — add tax or reverse from total
Percentage Calculator
Calculate percentages, percent change, and reverse percentages instantly
Age Calculator
Calculate exact age, days between dates, and days until any date
Tip Calculator
Split the bill and calculate tip in seconds
Days Between Dates Calculator
Calculate the exact number of days between any two dates
Meeting Cost Calculator
Calculate the real dollar cost of your meetings — with a live ticker
Real Estate
All 6 Real Estate tools →Buy, refinance, or invest with full month-by-month amortization math — mortgage payments with PMI and taxes, refinance break-even, rent-vs-buy, home affordability, HELOC, and rental-property ROI.
Mortgage Calculator
Full PITI mortgage calculator with amortization schedule and PMI tracking
Refinance Calculator
See if refinancing your mortgage actually saves you money — with break-even, lifetime interest, and side-by-side cash flow
House Affordability Calculator
How much house can you actually afford? Uses the 28/36 DTI rule with full PITI breakdown
HELOC Calculator
Model the HELOC payment shock — interest-only draw vs amortizing repayment with rate-stress scenarios
Rent vs Buy Calculator
Year-by-year wealth comparison: should you rent or buy? See the exact tipping point
Rental Property ROI Calculator
Cap rate, cash-on-cash, IRR, NOI — full rental property pro-forma with year-by-year projection
Retirement & Investing
All 8 Retirement tools →Plan a long financial future — project your 401(k) and compound growth, compare Roth vs Traditional IRA, model Required Minimum Distributions, and estimate equity-compensation taxes on RSUs and stock options.
Compound Interest Calculator
See the eighth wonder of the world: compound growth with monthly contributions, salary growth, and inflation adjustment
401(k) Calculator with Employer Match
Project your 401(k) balance with employer match, IRS limits, catch-up contributions, and Traditional vs Roth tax modeling
Roth vs Traditional IRA Calculator
Should you contribute to a Roth or Traditional IRA? Fair side-account comparison with LTCG drag
RMD Calculator
Year-by-year Required Minimum Distribution schedule using the IRS Uniform Lifetime Table III
Social Security Break-Even Calculator
When to claim Social Security: 62 vs Full Retirement Age vs 70, with exact break-even ages
Mega Backdoor Roth Calculator
Estimate your after-tax 401(k) space for the Mega Backdoor Roth strategy
RSU Tax Calculator
See the RSU under-withholding gap — supplemental withholding vs your true marginal rate, plus FICA, Medicare, and state
ISO / NQSO Stock Option Tax Calculator
Compare NQSO, ISO qualifying, and ISO disqualifying dispositions side-by-side with AMT modeling
Insurance
All 3 Insurance tools →Size your coverage with planner-grade methods, not sales pitches — life-insurance needs by the DIME method, disability coverage, and term-vs-whole-life comparisons.
Life Insurance Needs Calculator (DIME Method)
Size your life insurance need with the DIME method — Debt + Income + Mortgage + Education
Disability Insurance Needs Calculator
Size your disability coverage need — income × replacement %, less SSDI, with short-term vs long-term gap analysis
Term vs Whole Life Insurance Comparison
Wealth comparison: buy term + invest the difference vs whole life cash value over 30 years
Why trust these calculators?
Every finance tool shows its formula and sources, is reviewed against the governing IRS revenue procedures and IRC sections, and runs entirely client-side — your income, balances, and tax details never leave your device. See our data sources and how we stay free.