Free personal finance calculators

Run the numbers on a rental property, your early retirement date, your freelance taxes or your student loans. Every calculator is free, private and shows the formula behind the result.

Real Estate Investing

Free calculators for rental property investors and landlords: cash flow, cap rate, cash on cash return, BRRRR, and rent vs buy.

Rental Property CalculatorMonthly cash flow, NOI, cap rate, cash on cash return and DSCR for any rental.Cap Rate CalculatorCapitalization rate from NOI and price, plus value at a target cap rate.Cash on Cash Return CalculatorAnnual cash flow as a percentage of the cash you put into the deal.Rent vs Buy CalculatorCompare owning against renting and investing the difference, year by year.BRRRR CalculatorCash out at refinance, cash left in the deal, and post-refi cash flow.1% Rule CalculatorQuick screen: rent-to-price ratio, 1% and 2% rule, GRM and gross yield.Investment Property Mortgage CalculatorPayment, PITI, DSCR and amortization for a rental property loan.

FIRE & Retirement

Free FIRE calculators: find your FIRE number, Coast FIRE and Barista FIRE targets, savings rate and how long your money will last.

FIRE CalculatorYears and age until financial independence from your income, spending and savings.Coast FIRE CalculatorFind the amount that grows into your FIRE number with no more contributions.FIRE Number CalculatorHow much you need invested, with Lean, regular and Fat FIRE targets.Barista FIRE CalculatorSemi-retire sooner when part-time income covers some of your expenses.Savings Rate CalculatorYour savings rate, and how many working years it implies.Retirement Withdrawal Calculator (4% Rule)How long a portfolio lasts with inflation-adjusted withdrawals.Compound Interest CalculatorGrowth of a lump sum plus monthly contributions over time.

Self-Employed & 1099 Tax

Free tax and pay calculators for freelancers, contractors and the self-employed: self-employment tax, 1099 taxes, quarterly estimates and hourly rates.

Self-Employment Tax Calculator 2026Social Security and Medicare tax on your self-employment profit.1099 Tax Calculator 2026Total tax on 1099 income and the percentage to set aside.Quarterly Estimated Tax CalculatorHow much to pay each quarter and the 2026 due dates.Freelance Hourly Rate CalculatorThe hourly rate that covers your income goal, taxes and overhead.1099 vs W-2 CalculatorCompare a contract rate with a salaried offer, apples to apples.Hourly to Salary CalculatorConvert an hourly wage into yearly, monthly and weekly pay.Salary to Hourly CalculatorConvert an annual salary into an hourly wage for any schedule.

Student Loans & College

Free student loan calculators: monthly payments, payoff with extra payments, interest, refinancing, consolidation, affordability and 529 college savings.

Student Loan CalculatorMonthly payment, total interest and amortization schedule.Student Loan Payoff CalculatorHow extra payments shorten payoff and cut interest.Student Loan Interest CalculatorDaily interest, interest during deferment, and capitalization.Student Loan Refinance CalculatorCompare your current loan with a new rate and term.Student Loan Consolidation CalculatorWeighted average rate and payment for a Direct Consolidation Loan.Student Loan Affordability CalculatorHow much you can borrow based on your expected salary.529 College Savings CalculatorProject college savings and the monthly amount needed to reach your goal.

Why use these calculators

Transparent math: every page explains the formula, walks through an example and lists the assumptions, so you can check the result yourself.
Private: calculations run in your browser. Nothing you type is sent to a server, and there's no sign-up.
Shareable: use "Copy link to results" to save a scenario or send it to a partner, lender or accountant.
Current: tax figures are updated for the 2026 tax year, and every page shows when it was last reviewed.