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FiscalStrongUS Tax & Finance
Free Financial Calculators

Finance Calculators

Free, accurate financial calculators for your most important money decisions. All calculations use 2024 IRS tax brackets and current rates. No sign-up, no data collection, your inputs stay in your browser.

Educational Tools Only

These calculators use simplified assumptions for general planning purposes. They do not account for credits, additional taxes, itemized deductions, or state-specific adjustments. Results may differ from your actual tax liability or financial outcomes. Always verify current rates with official sources and consult a qualified licensed professional before making financial decisions.

Tax Planning
Income Tax Calculator
Estimate your 2024 federal income tax, FICA (Social Security + Medicare), and state income tax in any of the 50 states. Includes standard deduction and pre-tax contribution adjustments.
  • Federal brackets (single, MFJ, HoH)
  • All 50 states + DC
  • FICA calculation
  • Effective & marginal rate
Real Estate
Mortgage Calculator
Full monthly mortgage payment including principal, interest, property tax, homeowners insurance, and HOA. Includes lifetime cost analysis and LTV calculation.
  • P&I calculation
  • Property tax estimate
  • Insurance & HOA
  • Lifetime interest cost
Retirement
401(k) & Retirement Calculator
Project your retirement nest egg based on current age, current savings, monthly contributions, employer match, and expected returns. Uses 4% safe withdrawal rate.
  • Employer match modeling
  • Compound growth
  • 4% withdrawal rule
  • Annual retirement income
Investing
Compound Interest Calculator
See how money grows exponentially over time. Adjust principal, monthly contribution, return rate, and time horizon. Includes year-by-year breakdown and Rule of 72.
  • Year-by-year growth
  • Rule of 72
  • Multiple compounding frequencies
  • Total interest earned
Retirement
Roth vs. Traditional IRA
Side-by-side after-tax wealth comparison. Models the break-even tax rate analysis to help you decide between Roth and Traditional IRA contributions.
  • Break-even tax analysis
  • Roth vs Traditional
  • After-tax wealth
  • Personalized recommendation
Auto
Auto Loan Calculator
Calculate monthly car payments, total interest, and total cost of an auto loan. Includes sales tax, trade-in, and down payment for an accurate estimate.
  • Monthly payment
  • Sales tax estimate
  • Trade-in & down payment
  • Total interest cost
Credit & Debt
Credit Card Payoff Calculator
See how long it will take to pay off your credit card debt with fixed monthly payments. Compare minimum payment vs. accelerated payoff strategies.
  • Payoff timeline
  • Total interest paid
  • Minimum payment trap
  • Save by paying more
Loans
Personal Loan Calculator
Estimate monthly payments and total cost of a personal loan. Compare different loan amounts, interest rates, and terms side by side.
  • Monthly payment
  • Total interest
  • APR comparison
  • Different loan terms
Personal Finance
Net Worth Calculator
Calculate your net worth, total assets minus total liabilities. Track your financial progress over time and identify areas to improve.
  • Assets breakdown
  • Liabilities tracking
  • Net worth calculation
  • Asset allocation view
Tax Planning
Capital Gains Tax Calculator
Estimate federal capital gains tax on stock, real estate, or other asset sales. Includes 0/15/20% long-term brackets plus 3.8% NIIT for high earners.
  • Long-term vs short-term
  • 0/15/20% brackets
  • 3.8% NIIT surtax
  • Federal capital gains tax
Real Estate
Rent vs. Buy Calculator
Compare the long-term financial cost of renting vs. buying a home. Factors in home appreciation, rent increases, property tax, and investment opportunity cost.
  • 10-year cost comparison
  • Home appreciation
  • Rent increases
  • Investment opportunity cost
Credit & Debt
Debt-to-Income (DTI) Calculator
Calculate your DTI ratio, a key metric mortgage lenders use to qualify you. Most lenders want DTI below 43% (36% for conventional loans).
  • Front-end DTI
  • Back-end DTI
  • Lender qualification check
  • Improvement tips
Personal Finance
Savings Goal Calculator
Calculate how much to save monthly to reach any savings goal, emergency fund, down payment, vacation, or any target, by a specific date.
  • Monthly savings needed
  • Target date calculator
  • Compound growth on savings
  • Multiple goal scenarios