Personal finance · 27 calculators
Personal finance calculators
Bond YTM, annuity values, Roth conversion ladders, debt payoff comparisons, HSA optimization, 529 projections — the numbers your financial advisor charges to run.
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Annuity present value calculator
Present value of ordinary annuity and annuity-due — for structured settlements, pensions, and lump-sum buyout decisions.
Roth conversion ladder calculator
Model a multi-year Roth conversion strategy — annual tax cost, bracket stack, 5-year rule timeline, and long-term savings.
529 college savings calculator
Project 529 balance at enrollment from monthly contribution, current balance, expected return, and years to college.
Cash-out refinance breakeven
Breakeven months for a cash-out refi — new rate, closing costs, monthly savings, and total interest cost over the loan.
Inflation-adjusted savings calculator
What your savings target is worth in today's dollars — nominal vs real returns, purchasing power erosion, and adjusted goal.
Dividend yield calculator
Yield on cost, current yield, DRIP growth projection, and total return at 10 years — for income investors evaluating dividend stocks.
Net worth calculator
Total net worth from assets and liabilities — liquid vs illiquid assets, debt-to-asset ratio, and year-over-year change.
Emergency fund calculator
Your recommended emergency fund target from monthly expenses, job stability, and household risk factors.
Social Security claim age breakeven
Breakeven age between claiming Social Security early (62), full retirement age, or delayed (70) — total benefits by strategy.
EV vs gas car total cost of ownership
Compare 7-year total cost of ownership for an electric vs gasoline car — purchase, fuel/electricity, maintenance, insurance, and federal tax credit.
DCA vs lump sum investing calculator
Compare dollar-cost averaging into a market position vs investing the full amount today, modeling expected drift and cost-basis differences.
HSA vs FSA tax savings calculator
Compare HSA and FSA tax savings, including HSA's triple-tax-free compounding for retirement-bucket use.
CD ladder yield calculator
Build a 5-rung CD ladder, comparing average yield to a single CD or HYSA. Models reinvestment at maturity at current yield curve.
Student loan payoff strategy comparison
Compare avalanche vs minimum payments vs aggressive payoff for a typical multi-loan student debt portfolio.
Emergency fund target calculator
Right-size an emergency fund based on monthly expenses, income stability, and dependents — with a savings-rate plan to reach the target.
Rent vs buy breakeven calculator
Find the breakeven year when buying beats renting, accounting for opportunity cost on the down payment, maintenance, and rent inflation.
Social Security claim age comparison
Compare lifetime benefits at age 62, full retirement age, and 70, with crossover ages where waiting beats early claiming.
Car affordability calculator (20/4/10 rule)
Use the 20/4/10 rule (20% down, 4-year term, 10% of income) to find the car you can actually afford — including 5-year total cost of ownership.
Disability insurance calculator
Size individual disability coverage by income, occupation class, elimination period, and benefit period — including premium estimate and group-LTD gap analysis.
Student loan payoff strategy calculator
Compare Standard, IBR, and SAVE plans side-by-side for federal student loans, including PSLF eligibility and forgiveness tax-bomb scenarios.
EV charging cost calculator
What an EV charge actually costs at home vs DC fast-charge: kWh per 100mi × $/kWh, with day/night utility rate windows.
FAQ
personal finance questions, answered
Q1.Avalanche vs snowball — which actually wins?
Avalanche (highest rate first) wins on total interest paid. Snowball (smallest balance first) wins on adherence — there's behavioral evidence that early wins keep people on the plan. The calculator runs both side-by-side and shows the dollar gap. For most people the gap is a few hundred dollars — far less than the cost of quitting halfway. Pick the one you'll actually finish.
Q2.Why is the HSA called a triple-tax-advantaged account?
Contributions are pre-tax (federal + most state). Growth is tax-free. Withdrawals for qualified medical are tax-free. No other US retirement vehicle hits all three. The optimizer calculator runs the full life-cycle — contribute now, invest it, save medical receipts, reimburse decades later — and shows the after-tax wealth difference vs running medical through your taxable budget.
Q3.How does the 529 projection account for in-state benefits?
Most states offer a state-tax deduction or credit for 529 contributions to the in-state plan. The calculator factors your state's specific benefit (deduction cap, credit percentage, or none) plus the long-run tax-free growth. The state benefit alone is often worth 3-7% of contributions immediately, which compounds dramatically over an 18-year horizon.
Q4.I bonds vs TIPS — which is the right inflation hedge?
I bonds are individual-only, capped at $10k/year per SSN, sold by Treasury, and have 0% real yield in current vintages. TIPS are sold via brokerages, no purchase cap, and have varying real yields — sometimes positive, sometimes negative depending on the auction. The calculator runs both yields against expected inflation scenarios. For small inflation hedges, I bonds win on simplicity; for larger allocations, TIPS via a fund are the practical choice.
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