All Free Tools

Envelope budgeting without the subscription

Replaces YNAB / Mint ($99/yr)

Calculate freelancer quarterly tax payments for all 50 states

Replaces Keeper Tax ($16/mo)

Track and audit all your recurring subscriptions

Replaces Rocket Money (% of savings)

Calculate cash flow, cap rate, and ROI for rental properties

Replaces DealCheck ($14/mo)

Calculate your federal and state income tax for all 50 states

Replaces TurboTax TaxCaster / SmartAsset (Lead gen / $90+)

See how your money grows — with tax drag and inflation adjustment

Replaces Investor.gov calculator (Basic / limited)

Compare avalanche vs snowball strategies to pay off debt faster

Replaces Undebt.it / Tally ($12/yr / $5/mo)

Build a full amortization schedule with extra payment modeling

Replaces Bankrate Amortization Calculator (Lead gen)

Plan your retirement withdrawals with Monte Carlo simulation

Replaces NewRetirement / Boldin ($120/yr)

Track and project your net worth over time — all data stays local

Replaces Empower / Kubera (Requires account linking / $150/yr)

Calculate pro-rata rule impact and plan your backdoor Roth conversion

Replaces Financial advisor / Kitces articles ($200-400/hr)

See how expense ratios and advisory fees silently erode your wealth over decades

Replaces FeeX / Personal Capital (Limited / requires account linking)

Calculate gift tax, annual exclusions, and lifetime exemption usage

Replaces Estate attorney consultation ($400+/hr)

Optimize S-corp salary vs distributions to minimize total tax burden

Replaces CPA consultation ($200-400/hr)

Project 401k growth with employer match, Roth comparison, and catch-up contributions

Replaces Fidelity / Vanguard calculators ($0 (no account required))

Simulate how financial actions affect your credit score

Replaces Credit Karma (requires account + SSN) ($0 (no PII required))

The most comprehensive free CODB & pricing calculator for photographers in 2026

Calculate true profit after all Etsy fees + grade listing SEO

Replaces eRank / Marmalead ($6-19/mo)

Calculate cost per plate and menu pricing for restaurants

Calculate sponsorship rates and generate a media kit PDF

Generate a professional employee handbook for your company

Replaces Blissbook ($75-250/mo)

Calculate margins, markup, and break-even point instantly

Create professional invoices with custom branding — download as PDF

Replaces FreshBooks / Wave ($17-55/mo)

Compare total compensation across job offers — not just base salary

Replaces Levels.fyi (limited) (Free but limited)

Calculate your true hourly rate after taxes, insurance, and unbillable hours

Replaces Bonsai Rate Explorer ($17/mo (bundled))

Estimate your business value using 5 professional valuation methods

Replaces BizBuySell / Business Broker (Premium / $5K-15K)

Build 13-week and 12-month cash flow forecasts with runway analysis

Replaces Float / Pulse ($29-59/mo)

Calculate MRR, ARR, churn, LTV, CAC, and 15+ SaaS metrics instantly

Replaces ChartMogul / Baremetrics ($99-599/mo)

Calculate unit economics, contribution margin, LTV:CAC, and break-even analysis

Replaces ChartMogul / ProfitWell ($99-599/mo)

Compare total cost of W-2 employees vs 1099 contractors with tax analysis

Replaces ADP cost calculator (Demo-gated)

Calculate fair equity splits based on weighted contributions and vesting schedules

Replaces Attorney consultation ($400/hr)

Compare AI model costs side-by-side before you spend

Generate compliant AI content disclosure labels for new regulations

Compare all major AI content detectors — accuracy, pricing, and features

Audit any webpage's SEO in seconds — free

Replaces Ahrefs / SEMrush ($29-130/mo)

Preview how your post looks on every platform before publishing

Place your screenshot into phone and laptop frames — free

Replaces Placeit ($15/mo)

Create t-shirt, mug, and tote bag mockups for print-on-demand

Replaces Placeit ($15/mo)

Build beautiful forms with conditional logic — no account needed

Replaces Typeform ($28-266/mo)

Create surveys with unlimited questions and CSV export

Replaces SurveyMonkey ($20+/user/mo)

Compare total cost of ownership: electric vs gas vehicles

Calculate the true cost of relocating to a new city

Convert hourly wage to annual salary and vice versa with tax breakdown

Replaces PayScale / Salary.com ($0 (saves signup))

Calculate car payments with trade-in, taxes, total cost of ownership, and refinance comparison

Replaces Dealer finance office estimates ($0)

Generate 7-day meal plans hitting your macro targets

Replaces That Clean Life ($30-60/mo)

Never miss a home maintenance task again

Track watering schedules for all your houseplants

Replaces Planta ($36/yr)

Check your website for WCAG 2.2 accessibility issues

Drag-and-drop seating charts for events and weddings

Replaces Social Tables ($199/mo)

Audit all your subscriptions, find duplicates, and calculate annual savings

Replaces Rocket Money / Truebill ($3-12/mo)

Black-Scholes pricing with all 5 Greeks and multi-leg strategy builder

Replaces OptionStrat / Thinkorswim ($30/mo / Premium)

Build a 5-year discounted cash flow model with WACC and sensitivity analysis

Replaces Wall Street Prep / Macabacus ($499 templates / $499/yr)

Model founders, investors, and ESOP across multiple funding rounds

Replaces Carta / Pulley ($5K-50K/yr / $50/mo)

Calculate YTM, duration, convexity, and price sensitivity for any bond

Replaces Bloomberg terminal bond calculator ($24K/yr)

Calculate Sharpe ratio, VaR, max drawdown, and correlation matrix for your portfolio

Replaces Morningstar Direct / Portfolio Visualizer Pro ($15K+/yr / $25/mo)

Run 10,000 simulations to test if your retirement plan survives market volatility

Replaces NewRetirement / Boldin ($120/yr)

Build a leveraged buyout model with debt tranches, IRR, and MOIC analysis

Replaces Wall Street Prep / PE Excel templates ($300-800)

Build a comps table with EV/EBITDA, P/E, and implied valuation range

Replaces Capital IQ / FactSet templates ($12K-20K+/yr)

Build accretion/dilution merger models with pro forma EPS analysis

Replaces IB merger model templates ($300-800)

Calculate SAFE note conversion, ownership dilution, and cap table impact

Replaces Startup lawyer consultation ($300+/hr)

Model PE/VC fund distribution waterfalls with preferred return and carried interest

Replaces Cobalt LP / Excel templates ($2,000+/yr)

See your exact take-home pay after federal, state, and FICA taxes

Replaces ADP Paycheck Calculator (Limited / demo-gated)

Calculate required minimum distributions with 2026 IRS tables and SECURE 2.0 rules

Replaces Schwab / Fidelity RMD Calculator (Limited features)

Find the optimal annual Roth conversion amount to minimize lifetime taxes

Replaces Financial advisor Roth analysis ($200-400/hr)

MACRS GDS/ADS, straight-line, DDB, SYD, units of production with Section 179, bonus depreciation, and recapture analysis

Replaces Fixed asset software ($300-2K/yr)

Compare sole proprietorship, LLC, and S-Corp to find the lowest-tax entity structure

Replaces CPA entity structure consultation ($300-500/session)

Calculate crypto taxes with FIFO, LIFO, HIFO lot methods and wash sale tracking

Replaces CoinTracker / Koinly ($100-279/yr)

Calculate federal and state estate tax with unified credit and portability planning

Replaces Estate planning attorney consultation ($400-600/hr)

Identify harvest opportunities, track wash sales, and calculate net tax savings

Replaces Wealthfront / Betterment tax-loss harvesting (Premium tiers)

Calculate AMT liability, ISO exercise impact, and optimal exercise strategy

Replaces TurboTax / CPA consultation ($90-400+)

Calculate your Qualified Business Income deduction with SSTB and W-2 limitations

Replaces TurboTax Business ($120+)

Calculate IRS underpayment penalties and find your safe harbor amount

Replaces TurboTax / CPA ($90+)

Calculate household employer taxes, FICA, FUTA, and Schedule H obligations

Replaces HomePay / GTM Payroll ($75/mo)

Maximize your charitable tax deduction with cash, stock, DAF, and QCD strategies

Replaces CPA charitable planning consultation ($200-400/hr)

Maximize deductions, passive loss allowances, and depreciation for rental properties

Replaces CPA / TurboTax Business ($200+/hr)

Calculate employer payroll taxes, FUTA, SUTA, and total labor cost

Replaces Gusto / ADP payroll estimator ($40-150/mo)

Compare the true total cost of leasing vs buying a car

Replaces LeaseGuide / Edmunds ($50 report / Lead gen)

Compare all federal repayment plans and find the cheapest path to payoff

Replaces Student Loan Planner ($500+ consultation)

Project college costs and calculate how much to save monthly

Replaces SavingForCollege.com Pro (Limited / Financial advisor)

Find your optimal claiming age and maximize lifetime Social Security benefits

Replaces Maximize My Social Security ($40/analysis)

Calculate your FIRE number and see when you can retire early

Replaces cFIREsim / NewRetirement (Basic / $120/yr)

Compare pension lump sum vs annuity with investment scenarios and breakeven analysis

Replaces Financial advisor pension analysis ($2,000-5,000)

Calculate life insurance needs using the DIME method with coverage gap analysis

Replaces Policy Genius / Insurance broker (Commission-biased)

Compare the true total cost of renting vs buying a home over 30 years

Replaces NYT Rent vs Buy / SmartAsset (Limited / Lead gen)

See exactly when refinancing pays off with side-by-side loan comparison

Replaces Bankrate / LendingTree (Lead gen)

Calculate deferred gains, boot tax, and timeline deadlines for 1031 exchanges

Replaces 1031 intermediary consultation ($750-1500)

Underwrite commercial properties with NOI, cap rate, DSCR, and 10-year proforma

Replaces Argus Enterprise ($5,000+/yr)

Estimate accelerated depreciation savings from a cost segregation study

Replaces Cost segregation study ($5,000-15,000)

Analyze house hacking returns with FHA financing and live-free scenarios

Replaces BiggerPockets Pro ($39/mo)

Analyze Buy-Rehab-Rent-Refinance-Repeat deals with cash-on-cash returns

Replaces BiggerPockets Pro ($39/mo)

Compare short-term rental vs long-term rental income, expenses, and break-even

Replaces AirDNA ($250/mo)

Calculate mortgage payments with taxes, insurance, PMI, and extra payment scenarios

Replaces Bankrate / NerdWallet calculators ($0)

Calculate available home equity and compare HELOC vs HEL vs cash-out refinance

Replaces Bank HELOC quote forms ($0 (no application required))

Plan and compare funeral costs for burial, cremation, and green burial with 2026 pricing

Replaces Funeralwise / NFDA estimator (Lead gen / $200+ consultation)

Calculate the true lifetime cost of owning a pet — by breed, with insurance ROI

Replaces PetBudget Pro / Veterinary advisor estimate (/mo)

Find out which streaming services are worth it — by the hour

Replaces JustWatch / manual research (Time wasted)

Plan weekly meals, compare store vs. name brands, and cut your grocery bill

Replaces Mealime Pro / Paprika ($5-10/mo)

Discover the real monthly cost of owning any used car — beyond just the loan payment

Replaces Edmunds True Cost to Own (Paywalled data)

Find the cheapest phone plan with true cost including taxes, fees, and device financing

Replaces WhistleOut / NerdWallet plan comparison (Lead gen)

Find exactly where your energy dollars go and rank upgrades by ROI

Replaces Home energy audit (utility company) ($150–400/audit)

Estimate your 25-year solar savings with federal tax credit and state incentives

Replaces EnergySage / Aurora Solar (Lead gen / $200+/mo)

Plan every dollar of your wedding with 15 categories, 150+ line items, and a payment timeline

Replaces The Knot / Zola Budget Tool (Lead gen / upsell)

Compare health insurance plans side-by-side to find the cheapest option

Replaces Healthcare.gov / broker consultation ($0-300)

Estimate workers' compensation insurance costs by state and industry

Replaces Insurance broker quote ($0 (saves hours))

Estimate homeowners insurance costs by location, coverage, and risk factors

Replaces Insurance agent consultation ($0 (saves hours))

Estimate car insurance premiums based on driver profile, vehicle, and coverage

Replaces Insurance agent quote process ($0 (saves hours))

Compare LTC insurance vs self-insuring vs hybrid policies

Replaces Financial advisor consultation ($200-400/hr)

Estimate car insurance costs by age, state, driving record, and vehicle

Replaces Insurance quote forms (requires PII) ($0 (saves your privacy))

Compare Medicare plans and estimate total costs based on your health needs

Replaces Insurance broker / Medicare.gov ($0)

Calculate LLC formation and annual costs for all 50 states

Replaces LegalZoom / ZenBusiness ($79-329 + state fees)

Estimate child support payments using state-specific formulas

Replaces Family law attorney consultation ($200-400/hr)

Estimate alimony payments using state guidelines and duration factors

Replaces Divorce attorney consultation ($200-500/hr)

Calculate total immigration costs for visas, green cards, and citizenship

Replaces Immigration attorney consultation ($200-500/hr)

Estimate personal injury settlement value using the multiplier method

Replaces Attorney consultation ($200-500/hr)

Model divorce property division using community property or equitable distribution rules

Replaces Divorce attorney consultation ($200-500/hr)

Calculate DeFi yields, impermanent loss, and real APY after fees and IL

Replaces DeFi premium dashboards ($20-50/mo)