Free US Financial
Calculators & Tools
26 free tools built for Americans — 401(k), Roth strategies, HSA, FIRE, rental income, net worth by age, and more. IRS-aligned for tax year 2025. No signup. No ads.
United States 2026 — quick numbers
Headline IRS + Social Security + Federal Reserve figures for tax year 2025.
401(k) employee limit
$23,500
Elective deferral, 2025
Source: IRS
401(k) catch-up (50+)
$7,500
$31,000 total, 2025
Source: IRS
Super catch-up (60–63)
$11,250
SECURE 2.0, 2025
Source: IRS
§415 combined cap
$70,000
Employer + employee, 2025
Source: IRS
HSA limit (family)
$8,750
$4,400 self-only, 2026
Source: IRS
Social Security wage base
$176,100
Taxable maximum, 2025
Source: SSA
Social Security COLA
2.5%
Benefit increase, 2025
Source: SSA
NIIT threshold (joint)
$250,000
$200K single MAGI
Source: IRS
401(k) Calculator
Project your 401(k) balance at retirement with the 2025 $23,500 limit, employer match, and SECURE 2.0 super catch-up.
Roth vs Traditional IRA
Compare Traditional vs Roth IRA at your current marginal rate vs expected retirement rate. Tax math, not vibes.
Backdoor Roth Calculator
Step-by-step backdoor Roth IRA workflow for high earners over the IRA income limits.
Mega Backdoor Roth
After-tax 401(k) → Roth conversion under §415 with in-service distribution and the $70K combined cap.
Roth Conversion Ladder
Multi-year ladder strategy for early retirees — convert pre-tax to Roth in low-income years for SEPP-free access.
HSA Calculator
Triple-tax-advantaged HSA projection through age 65 with the 2026 $4,400/$8,750 limits and HDHP qualification.
FIRE Calculator
US FIRE number with 4% safe-withdrawal rule, Lean/Fat thresholds, and Social Security integration.
Coast FIRE Calculator
What's the lowest balance that — left to compound — grows to your full FIRE number by 65?
Lean FIRE Calculator
FIRE on under $40K/year. At $2K/month expenses and 7% returns you only need $600K — find your frugal retirement number.
Barista FIRE Calculator
Part-time income slashes your FIRE number. Earning $20K/year cuts a $1.25M target to $750K — see when you can semi-retire.
Fat FIRE Calculator
Retire affluent on $100K+/year. At $120K/year and the 4% rule you need $3M — find your Fat FIRE number, timeline, and savings plan.
RMD Calculator
Required Minimum Distributions from age 73 (SECURE 2.0), Uniform Lifetime Table, and 50% missed-RMD penalty math.
NIIT Calculator
3.8% Net Investment Income Tax thresholds ($200K single / $250K joint MAGI) on dividends, interest, and capital gains.
Capital Gains Harvest Calculator
Tax-gain harvesting in the 0% LTCG bracket — find the exact 'sell window' for taxable accounts.
529 Plan Calculator
Project a 529 balance to a target college-cost year. Includes SECURE 2.0 Roth IRA rollover (up to $35K lifetime).
Rental Income Calculator
Cap rate, cash on cash return, monthly cash flow, and DSCR for any US rental property. Enter rent, expenses, and mortgage to see if the deal pencils.
Mortgage Calculator
US mortgage payment, amortization, PMI, and total interest paid over the loan term.
Refinance Calculator
Refinance break-even months, lifetime interest saved, and points break-even analysis.
Net Worth Calculator
Total net worth across retirement accounts, brokerage, real estate, and debts. See your percentile rank vs Federal Reserve SCF 2022.
Average Net Worth by Age (US)
Federal Reserve SCF 2022 median, average, p10-p99 thresholds by US age group. Includes top-10% and top-1% benchmarks plus interactive percentile lookup.
What-If Scenarios
Recession, rate-hike, high-inflation, and save-more scenarios projected on your numbers — explored with Sam, the What-If Strategist.
Retirement Planning Hub
Readiness score across 3 scenarios. 4% rule, Social Security claiming math, Retire-at-50/55/60/65/70 sections, and SECURE 2.0 RMD rules all in one page.
Financial Wellbeing Score
Free CFPB-aligned 60-second assessment. Score 0-100 with band vs the US median of 54, plus one targeted recommendation based on your weakest response.
Emergency Fund Calculator
How many months of expenses are you covered? Find your 3–6 month target, gap, and a savings plan to close it. HYSA tips included.
Compound Interest Calculator
Compound growth with monthly contributions, side-by-side scenario comparison.
Currency Converter
USD to 30+ currencies with live rates for travel, remittance, and multi-currency portfolios.
