Finance & Tax Tools

Managing your finances should not require expensive software or sharing sensitive data with third parties. Our free finance tools cover the full spectrum of personal financial planning — from building a monthly budget and tracking your net worth, to projecting compound interest growth and mapping out a debt payoff strategy. Whether you are saving for retirement, evaluating investment returns, or simply trying to understand where your money goes each month, these calculators give you instant, actionable results. Every calculation runs entirely in your browser, so your financial data never leaves your device.

What You'll Find

  • - Budgeting and expense tracking tools
  • - Compound interest and savings growth calculators
  • - Debt payoff planners (snowball and avalanche methods)
  • - Net worth trackers and balance sheet builders
  • - Retirement savings and withdrawal estimators
  • - Investment return and portfolio projection tools

Getting Started

If you are new to personal finance, start with the budgeting tool to understand your monthly cash flow. From there, use the debt payoff calculator to build a repayment strategy, then explore the compound interest calculator to see how your savings can grow over time. Each tool works independently, so pick whichever matches your most pressing financial question.

Free Budgeting App

Free

Envelope budgeting without the subscription

Replaces YNAB / Mint ($99/yr)

Quarterly Tax Estimator

Free

Calculate freelancer quarterly tax payments for all 50 states

Replaces Keeper Tax ($16/mo)

Subscription Tracker

Free

Track and audit all your recurring subscriptions

Replaces Rocket Money (% of savings)

Rental Property Analyzer

Free

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

Replaces DealCheck ($14/mo)

Federal + State Income Tax Calculator

Free

Calculate your federal and state income tax for all 50 states

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

Compound Interest Calculator

Free

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

Replaces Investor.gov calculator (Basic / limited)

Debt Payoff Optimizer

Free

Compare avalanche vs snowball strategies to pay off debt faster

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

Loan Amortization Calculator

Free

Build a full amortization schedule with extra payment modeling

Replaces Bankrate Amortization Calculator (Lead gen)

Retirement Withdrawal Strategy Planner

Free

Plan your retirement withdrawals with Monte Carlo simulation

Replaces NewRetirement / Boldin ($120/yr)

Net Worth Tracker & Projector

Free

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

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

Backdoor Roth IRA Calculator

Free

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

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

Investment Fee Impact Analyzer

Free

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

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

Gift Tax & Lifetime Exemption Calculator

Free

Calculate gift tax, annual exclusions, and lifetime exemption usage

Replaces Estate attorney consultation ($400+/hr)

Owner's Salary vs Dividend Optimizer

Free

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

Replaces CPA consultation ($200-400/hr)

401(k) Retirement Calculator

Free

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

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

Credit Score Simulator

Free

Simulate how financial actions affect your credit score

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

Frequently Asked Questions

Is my financial data safe?

Yes. All calculations run entirely in your browser. No data is sent to any server, stored in any database, or shared with third parties.

Do these tools replace a financial advisor?

These tools provide estimates and projections to help you understand your options. For complex tax situations or major financial decisions, consult a qualified professional.

How accurate are the calculations?

Our calculators use standard financial formulas and up-to-date tax brackets. Results are as accurate as the inputs you provide, but real-world outcomes may vary due to market conditions and policy changes.

Can I export my results?

Most tools allow you to copy or download results. Since data is stored locally in your browser, you can also return later to pick up where you left off.