Free Financial and Estate Planning Calculators

"How much life insurance coverage does my family actually need?"

Figure out how much life insurance coverage your family would actually need — based on income, debts, and future expenses.

"How much do I have to withdraw from my retirement account this year?"

Calculate your Required Minimum Distribution from a retirement account — USA and Canada rules supported.

"How much tax will I owe when I sell this asset?"

Estimate the tax on selling an investment or asset — including short vs. long-term rates and country-specific rules.

"Will my savings cover my child's college costs?"

Project the real cost of college — with tuition inflation — against what your current savings plan will actually grow to.

"Would my income be protected if I couldn't work?"

Find out if your income is protected if you couldn't work — and how much disability coverage would actually close the gap.

"Am I on track to retire comfortably?"

See whether your current savings rate will get you to the retirement income you want — and by how much to close any gap.

"How much will my savings grow over time?"

See how a starting amount plus regular contributions grows over time — and how much of the final balance is pure interest.

"Should I use a Roth or Traditional IRA?"

Compare the after-tax value of a Roth IRA versus a Traditional IRA at retirement, based on your tax rate today versus later.

"How much are investment fees really costing me?"

See exactly how much a fund's fee is costing you over time, compared to a low-cost alternative.

"What age should I claim Social Security?"

Compare cumulative lifetime benefits for claiming at 62, full retirement age, or 70 — based on how long you expect to live.

"How much should I have saved for emergencies?"

Find out exactly how much you need set aside to cover the unexpected — job loss, medical bills, or a major repair.

"How fast can I pay off my debt?"

Compare the Avalanche and Snowball payoff strategies across all your debts and see exactly how much extra payments save you.

"How long until I reach my savings goal?"

Find out exactly how long it will take to hit a savings goal — and how much faster a bigger contribution gets you there.

"Snowball or Avalanche — which debt payoff method is right for me?"

Which payoff strategy should you actually use — the mathematically optimal Avalanche, or the motivating Snowball?

"Which loan offer actually costs me less?"

Compare up to three loan offers side by side — payment, total paid, and total interest — so the real cost is obvious.

"How much faster can I pay off my credit cards?"

See exactly how much faster you'll be debt-free — and how much interest you'll save — by paying more than the minimum.

"How much can I save by paying extra on my mortgage?"

See exactly how much time and interest an extra monthly payment could save you on your mortgage.

"How much home can I actually afford?"

See how much home you can realistically afford, based on the 28%/36% debt-to-income rules lenders actually use.

"Should I rent or buy?"

Compare the true net cost of renting versus buying over your time horizon — including appreciation and maintenance.

"Is refinancing my mortgage worth it?"

See if refinancing actually saves you money — including how long it takes to break even on closing costs.

"Where will my net worth be in 10, 20, 30 years?"

Project where your net worth is headed based on your current savings rate, asset growth, and debt paydown.

"What tax bracket am I actually in?"

Estimate your federal marginal and effective tax rate — and see exactly how each bracket of your income is taxed.