Free Alternatives to Expensive Software

Stop paying for tools you can get for free. Browse 146 products you can replace with FreeToolkit — no signup, no data collection, runs entirely in your browser.

Credit Karma

Lead gen (your data)

4 free alternatives

Federal + State Income Tax CalculatorDebt Payoff OptimizerNet Worth Tracker & Projector

FreeTaxUSA

$0-15

4 free alternatives

Federal + State Income Tax CalculatorQuarterly Tax EstimatorPaycheck Tax Calculator

H&R Block

$35-175

4 free alternatives

Federal + State Income Tax CalculatorPaycheck Tax CalculatorQuarterly Tax Estimator

NerdWallet

Lead gen

4 free alternatives

Federal + State Income Tax CalculatorLoan Amortization CalculatorCompound Interest Calculator

QuickBooks

$30-200/mo

4 free alternatives

Free Invoice GeneratorProfit Margin & Break-Even AnalyzerCash Flow Forecast Builder

TaxAct

$25-65

4 free alternatives

Federal + State Income Tax CalculatorPaycheck Tax CalculatorQuarterly Tax Estimator

Zillow Calculator

Lead gen

4 free alternatives

Rent vs Buy Calculator (Advanced)Mortgage Refinance Break-Even AnalyzerHouse Hacking Calculator

Kelley Blue Book

Lead gen

3 free alternatives

Car Lease vs Buy CalculatorUsed Car True Cost CalculatorEV vs Gas Calculator

NewRetirement

$120/yr

3 free alternatives

Retirement Withdrawal Strategy PlannerFIRE (Early Retirement) CalculatorMonte Carlo Retirement Simulator

Redfin Calculator

Lead gen

3 free alternatives

Rent vs Buy Calculator (Advanced)House Hacking CalculatorRental Property Analyzer

Rocket Mortgage Calculator

Lead gen

3 free alternatives

Loan Amortization CalculatorMortgage Refinance Break-Even AnalyzerRent vs Buy Calculator (Advanced)

Attorney consultation

$400/hr

2 free alternatives

Business Partnership Split CalculatorPersonal Injury Settlement Calculator

Bankrate

Lead gen

2 free alternatives

Mortgage Refinance Break-Even AnalyzerAdvanced Mortgage Payment Calculator

BiggerPockets Pro

$39/mo

2 free alternatives

House Hacking CalculatorBRRRR Strategy Calculator

Boldin

$120/yr

2 free alternatives

Retirement Withdrawal Strategy PlannerMonte Carlo Retirement Simulator

ChartMogul

$99-599/mo

2 free alternatives

SaaS Metrics DashboardUnit Economics Calculator

CPA

$90+

2 free alternatives

Estimated Tax Penalty CalculatorRental Property Tax Deduction Maximizer

CPA consultation

$90-400+

2 free alternatives

Alternative Minimum Tax (AMT) CalculatorOwner's Salary vs Dividend Optimizer

Divorce attorney consultation

$200-500/hr

2 free alternatives

Alimony / Spousal Support CalculatorDivorce Asset Division Calculator

Insurance broker

Commission-biased

2 free alternatives

Life Insurance Needs Calculator (DIME)Medicare Plan Comparison Calculator

Placeit

$15/mo

2 free alternatives

Device Mockup GeneratorPOD Mockup Generator

Rocket Money

% of savings

2 free alternatives

Subscription TrackerSubscription Audit & Savings Tool

SmartAsset

Lead gen / $90+

2 free alternatives

Federal + State Income Tax CalculatorRent vs Buy Calculator (Advanced)

TurboTax

$90-400+

2 free alternatives

Alternative Minimum Tax (AMT) CalculatorEstimated Tax Penalty Calculator

TurboTax Business

$120+

2 free alternatives

QBI (Section 199A) Deduction CalculatorRental Property Tax Deduction Maximizer

Wall Street Prep

$499 templates / $499/yr

2 free alternatives

DCF Valuation Model BuilderLBO Model Builder

1031 intermediary consultation

$750-1500

1 free alternative

1031 Exchange Calculator

ADP cost calculator

Demo-gated

1 free alternative

Contractor vs Employee Cost Calculator

ADP Paycheck Calculator

Limited / demo-gated

1 free alternative

Paycheck Tax Calculator

ADP payroll estimator

$40-150/mo

1 free alternative

Small Business Payroll Tax Calculator

Ahrefs

$29-130/mo

1 free alternative

SEO On-Page Audit

AirDNA

$250/mo

1 free alternative

Airbnb vs Long-Term Rental Analyzer

Argus Enterprise

$5,000+/yr

1 free alternative

Commercial RE Underwriting Tool

Aurora Solar

Lead gen / $200+/mo

1 free alternative

Solar Panel Savings Calculator

Bank HELOC quote forms

$0 (no application required)

1 free alternative

HELOC & Home Equity Calculator

Bankrate Amortization Calculator

Lead gen

1 free alternative

Loan Amortization Calculator

Baremetrics

$99-599/mo

1 free alternative

SaaS Metrics Dashboard

Betterment tax-loss harvesting

Premium tiers

1 free alternative

Tax Loss Harvesting Optimizer

BizBuySell

Premium / $5K-15K

1 free alternative

Small Business Valuation Calculator

Blissbook

$75-250/mo

1 free alternative

Employee Handbook Generator

Bloomberg terminal bond calculator

$24K/yr

1 free alternative

Bond Yield & Duration Calculator

Bonsai Rate Explorer

$17/mo (bundled)

1 free alternative

Freelance Rate Calculator

broker consultation

$0-300

1 free alternative

Health Insurance Plan Comparison

Business Broker

Premium / $5K-15K

1 free alternative

Small Business Valuation Calculator

Capital IQ

$12K-20K+/yr

1 free alternative

Comparable Company Analysis (Comps)

Carta

$5K-50K/yr / $50/mo

1 free alternative

Cap Table Calculator

cFIREsim

Basic / $120/yr

1 free alternative

FIRE (Early Retirement) Calculator

Cobalt LP

$2,000+/yr

1 free alternative

Investment Waterfall Calculator

CoinTracker

$100-279/yr

1 free alternative

Crypto Capital Gains Tax Calculator

Cost segregation study

$5,000-15,000

1 free alternative

Cost Segregation Study Estimator

CPA charitable planning consultation

$200-400/hr

1 free alternative

Charitable Giving Tax Optimizer

CPA entity structure consultation

$300-500/session

1 free alternative

S-Corp vs LLC Tax Optimizer

Credit Karma (requires account + SSN)

$0 (no PII required)

1 free alternative

Credit Score Simulator

DealCheck

$14/mo

1 free alternative

Rental Property Analyzer

Dealer finance office estimates

1 free alternative

Auto Loan Payment Calculator

DeFi premium dashboards

$20-50/mo

1 free alternative

DeFi Yield / Impermanent Loss Calculator

Edmunds

$50 report / Lead gen

1 free alternative

Car Lease vs Buy Calculator

Edmunds True Cost to Own

Paywalled data

1 free alternative

Used Car True Cost Calculator

Empower

Requires account linking / $150/yr

1 free alternative

Net Worth Tracker & Projector

EnergySage

Lead gen / $200+/mo

1 free alternative

Solar Panel Savings Calculator

eRank

$6-19/mo

1 free alternative

Etsy Seller Toolkit

Estate attorney consultation

$400+/hr

1 free alternative

Gift Tax & Lifetime Exemption Calculator

Estate planning attorney consultation

$400-600/hr

1 free alternative

Estate Tax Calculator

Excel templates

$2,000+/yr

1 free alternative

Investment Waterfall Calculator

FactSet templates

$12K-20K+/yr

1 free alternative

Comparable Company Analysis (Comps)

Family law attorney consultation

$200-400/hr

1 free alternative

Child Support Calculator

FeeX

Limited / requires account linking

1 free alternative

Investment Fee Impact Analyzer

Fidelity

$0 (no account required)

1 free alternative

401(k) Retirement Calculator

Fidelity RMD Calculator

Limited features

1 free alternative

RMD Calculator (SECURE 2.0)

Financial advisor

$200-400/hr

1 free alternative

Backdoor Roth IRA Calculator

Financial advisor consultation

$200-400/hr

1 free alternative

Long-Term Care Insurance Calculator

Financial advisor pension analysis

$2,000-5,000

1 free alternative

Pension Lump Sum vs Annuity Analyzer

Financial advisor Roth analysis

$200-400/hr

1 free alternative

Roth Conversion Optimizer

Fixed asset software

$300-2K/yr

1 free alternative

Depreciation Schedule Calculator

Float

$29-59/mo

1 free alternative

Cash Flow Forecast Builder

FreshBooks

$17-55/mo

1 free alternative

Free Invoice Generator

Funeralwise

Lead gen / $200+ consultation

1 free alternative

Funeral & End-of-Life Cost Planner

GTM Payroll

$75/mo

1 free alternative

Nanny Tax & Payroll Calculator

Gusto

$40-150/mo

1 free alternative

Small Business Payroll Tax Calculator

Healthcare.gov

$0-300

1 free alternative

Health Insurance Plan Comparison

Home energy audit (utility company)

$150–400/audit

1 free alternative

Energy Bill Analyzer & Savings Finder

HomePay

$75/mo

1 free alternative

Nanny Tax & Payroll Calculator

IB merger model templates

$300-800

1 free alternative

M&A Merger Model Builder

Immigration attorney consultation

$200-500/hr

1 free alternative

Immigration / Green Card Cost Calculator

Insurance agent consultation

$0 (saves hours)

1 free alternative

Home Insurance Estimator

Insurance agent quote process

$0 (saves hours)

1 free alternative

Car Insurance Premium Estimator

Insurance broker quote

$0 (saves hours)

1 free alternative

Workers' Comp Cost Estimator

Insurance quote forms (requires PII)

$0 (saves your privacy)

1 free alternative

Car Insurance Premium Estimator

Investor.gov calculator

Basic / limited

1 free alternative

Compound Interest Calculator

JustWatch

Time wasted

1 free alternative

Streaming Service Value Analyzer

Keeper Tax

$16/mo

1 free alternative

Quarterly Tax Estimator

Kitces articles

$200-400/hr

1 free alternative

Backdoor Roth IRA Calculator

Koinly

$100-279/yr

1 free alternative

Crypto Capital Gains Tax Calculator

Kubera

Requires account linking / $150/yr

1 free alternative

Net Worth Tracker & Projector

LeaseGuide

$50 report / Lead gen

1 free alternative

Car Lease vs Buy Calculator

LegalZoom

$79-329 + state fees

1 free alternative

LLC Formation Cost Calculator

LendingTree

Lead gen

1 free alternative

Mortgage Refinance Break-Even Analyzer

Levels.fyi (limited)

Free but limited

1 free alternative

Job Offer Comparison Calculator

Macabacus

$499 templates / $499/yr

1 free alternative

DCF Valuation Model Builder

manual research

Time wasted

1 free alternative

Streaming Service Value Analyzer

Marmalead

$6-19/mo

1 free alternative

Etsy Seller Toolkit

Maximize My Social Security

$40/analysis

1 free alternative

Social Security Benefits Optimizer

Mealime Pro

$5-10/mo

1 free alternative

Grocery Budget Optimizer

Medicare.gov

1 free alternative

Medicare Plan Comparison Calculator

Mint

$99/yr

1 free alternative

Free Budgeting App

Morningstar Direct

$15K+/yr / $25/mo

1 free alternative

Portfolio Risk Analyzer

NerdWallet calculators

1 free alternative

Advanced Mortgage Payment Calculator

NerdWallet plan comparison

Lead gen

1 free alternative

Phone Plan Comparison Calculator

NFDA estimator

Lead gen / $200+ consultation

1 free alternative

Funeral & End-of-Life Cost Planner

NYT Rent vs Buy

Limited / Lead gen

1 free alternative

Rent vs Buy Calculator (Advanced)

OptionStrat

$30/mo / Premium

1 free alternative

Options Pricing Calculator

Paprika

$5-10/mo

1 free alternative

Grocery Budget Optimizer

PayScale

$0 (saves signup)

1 free alternative

Hourly Wage ↔ Salary Converter

PE Excel templates

$300-800

1 free alternative

LBO Model Builder

Personal Capital

Limited / requires account linking

1 free alternative

Investment Fee Impact Analyzer

PetBudget Pro

/mo

1 free alternative

Pet Ownership Lifetime Cost Calculator

Planta

$36/yr

1 free alternative

Plant Care Scheduler

Policy Genius

Commission-biased

1 free alternative

Life Insurance Needs Calculator (DIME)

Portfolio Visualizer Pro

$15K+/yr / $25/mo

1 free alternative

Portfolio Risk Analyzer

ProfitWell

$99-599/mo

1 free alternative

Unit Economics Calculator

Pulley

$5K-50K/yr / $50/mo

1 free alternative

Cap Table Calculator

Pulse

$29-59/mo

1 free alternative

Cash Flow Forecast Builder

Salary.com

$0 (saves signup)

1 free alternative

Hourly Wage ↔ Salary Converter

SavingForCollege.com Pro

Limited / Financial advisor

1 free alternative

529 College Savings Planner

Schwab

Limited features

1 free alternative

RMD Calculator (SECURE 2.0)

SEMrush

$29-130/mo

1 free alternative

SEO On-Page Audit

Social Tables

$199/mo

1 free alternative

Event Seating Chart

Startup lawyer consultation

$300+/hr

1 free alternative

SAFE Note Conversion Calculator

Student Loan Planner

$500+ consultation

1 free alternative

Student Loan Repayment Optimizer

SurveyMonkey

$20+/user/mo

1 free alternative

Free Survey Tool

Tally

$12/yr / $5/mo

1 free alternative

Debt Payoff Optimizer

That Clean Life

$30-60/mo

1 free alternative

Meal Plan Generator

The Knot

Lead gen / upsell

1 free alternative

Wedding Budget Planner

Thinkorswim

$30/mo / Premium

1 free alternative

Options Pricing Calculator

Truebill

$3-12/mo

1 free alternative

Subscription Audit & Savings Tool

TurboTax TaxCaster

Lead gen / $90+

1 free alternative

Federal + State Income Tax Calculator

Typeform

$28-266/mo

1 free alternative

Free Form Builder

Undebt.it

$12/yr / $5/mo

1 free alternative

Debt Payoff Optimizer

Vanguard calculators

$0 (no account required)

1 free alternative

401(k) Retirement Calculator

Veterinary advisor estimate

/mo

1 free alternative

Pet Ownership Lifetime Cost Calculator

Wave

$17-55/mo

1 free alternative

Free Invoice Generator

Wealthfront

Premium tiers

1 free alternative

Tax Loss Harvesting Optimizer

WhistleOut

Lead gen

1 free alternative

Phone Plan Comparison Calculator

YNAB

$99/yr

1 free alternative

Free Budgeting App

ZenBusiness

$79-329 + state fees

1 free alternative

LLC Formation Cost Calculator

Zola Budget Tool

Lead gen / upsell

1 free alternative

Wedding Budget Planner