Finance MindShift
LIVE- METALS GOLD$- - SILVER$- - FOREX EUR/USD- - USD/JPY- - GBP/CAD- - CRYPTO BTC$- - ETH$- - XRP$- - SOL$- - MARKETS S&P 500- - DOW- - RUSSELL- - VIX- - SPXU$- - INDICATORS SPAXX 3.29% 7-day yield · Fidelity MMF 30YR MTG 6.65% Freddie Mac · weekly LIVE- METALS GOLD$- - SILVER$- - FOREX EUR/USD- - USD/JPY- - GBP/CAD- - CRYPTO BTC$- - ETH$- - XRP$- - SOL$- - MARKETS S&P 500- - DOW- - RUSSELL- - VIX- - SPXU$- - INDICATORS SPAXX3.29%7-day yield · Fidelity MMF 30YR MTG6.65%Freddie Mac · weekly
Financial data visualizations: compound growth, debt payoff, Roth vs Traditional, FIRE number, cap rate

FREE FINANCIAL CALCULATORS  ·  32 tools  ·  No login required

See what your money can do.

Calculators that show the actual math. Plug in your numbers, see exactly where you end up. No email, no account, no pitch.

MOST POPULAR

Compound Interest Calculator

The eighth wonder of the world. Set your starting amount, monthly contributions, interest rate, and years. Watch a normal savings rate turn into real money.

Open Calculator →

Math-only tool. No live data feeds.
MOST POPULAR

Move-To-City Cost of Living

Same job, two cities. State + sales tax, rent, fuel, utilities, schools, FIRE timeline across 117 US metros covering all 50 states + DC. 58 cities host a major military base. Expenses and costs updated monthly where applicable.

Open Comparison →
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Roth IRA vs Traditional IRA Comparator

Roth or Traditional? Plug in your income and tax bracket and see which account wins over time.

Retirement & Tax Launch →
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FIRE Number Calculator

Financial Independence, Retire Early. Enter your monthly expenses and see your magic number and how far away you are.

Retirement & Tax Launch →
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Tax-Advantaged Account Maximizer

Stack your 401k, Roth IRA, and HSA in the right order. See the optimal contribution waterfall for your income.

Retirement & Tax Launch →
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Coast FIRE Calculator

Find the point where your portfolio grows to your FIRE number on its own. No more contributions needed.

Retirement & Tax Launch →
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Sequence of Returns Simulator

See what happens to your retirement portfolio if you retire into a crash vs. a bull market.

Retirement & Tax Launch →
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Backdoor Roth Pro Rata Calculator

Calculate exactly how much tax you owe on a Roth conversion. Accounts for pre-tax IRA balances and your Form 8606 basis.

Retirement & Tax Launch →
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RMD Calculator with Tax Breakdown

Required Minimum Distributions by age with full federal income tax breakdown and year-by-year projection to age 90.

Retirement & Tax Launch →
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Retirement Projector

Model your full retirement: accumulation, drawdown, and Die with Zero spending. See year-by-year whether your portfolio survives or runs out.

Retirement & Tax Launch →
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Portfolio Stress-Test Simulator

Six real-world stress scenarios (recession, stagflation, lost decade, job loss, late-career crash). See which ones break your plan and which it survives.

Retirement & Tax Launch →
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1099 Net Profit Estimator

Self-employment tax, QBI deduction, Solo 401(k), state and federal income tax. See your real take-home, plus W-2 vs 1099 comparison at the same gross.

Retirement & Tax Launch →
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Pre-Medicare Healthcare Bridge

Retiring before 65? See exactly what ACA premium tax credits, HSA drawdown, and COBRA cost across the gap, plus MAGI cliff alerts.

Retirement & Tax Launch →
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Inflation Reality Calculator

Healthcare inflates faster than housing. Travel faster than groceries. Per-category inflation modeling with SS COLA overlay shows the real purchasing-power decay over 10/20/30 years.

Retirement & Tax Launch →
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Inheritance Tax Planner

Federal estate, state estate, and state inheritance tax all in one view. Includes TCJA sunset scenario and step-up basis context.

Retirement & Tax Launch →
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Withdrawal Sequencing Optimizer

Which account to drain first in retirement: taxable, Traditional IRA, Roth, or HSA. Simulates lifetime tax across three strategies with Social Security taxation and RMDs baked in.

Retirement & Tax Launch →
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Social Security Timing Calculator

Claim at 62, full retirement age, or 70? Compare the monthly check at every claim age, find your breakeven age, and see which age maximizes lifetime income.

Retirement & Tax Launch →
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Bitcoin DCA vs Lump Sum Simulator

DCA or go all in? Simulate both strategies with your numbers and see which comes out ahead.

Investing Launch →
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Investment Fee Drag Calculator

See the real dollar cost of high expense ratios vs. index funds over 30 years.

Investing Launch →
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Covered Call & Income ETF Simulator

Model JEPI, QQQY, TSLY, or any covered call ETF. See monthly income, NAV decay, total return vs S&P 500, and the real math behind the yield.

Investing Launch →
🎯

Kalshi Edge Calculator

Prediction-market probability calculator. See your real expected value per contract once Kalshi fees and slippage are baked in.

Investing Launch →
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Income ETF vs Underlying Simulator

RSPA vs RSP and FYEE vs FELC. Side-by-side after-tax wealth over 10 years. See when the high yield wins and when the pure-play beats it cleanly.

Investing Launch →
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Cap Rate Calculator

Plug in purchase price, rent, and expenses. Get cap rate, cash-on-cash return, monthly cash flow, and break-even occupancy.

Real Estate Launch →
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Mortgage Payoff vs. Invest Scenario Planner

Extra cash each month: pay off your mortgage faster or invest it? Model both paths with your actual numbers.

Real Estate Launch →
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Debt Avalanche Planner

Enter your debts and see the fastest path to debt-free, optimized by interest rate.

Debt & Credit Launch →
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Monthly Budget Planner

Build your full monthly budget. Income, housing, food, gas, subscriptions, debt, savings. See your surplus and savings rate.

Debt & Credit Launch →
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Invest or Pay Off Debt? Optimizer

Enter your debts and investment return. Get a clear recommendation with net worth projections at 5, 10, and 20 years for each strategy.

Debt & Credit Launch →
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Cash Now Decision Engine

401(k) loan vs HELOC vs 0% balance transfer vs personal loan. Real total cost of capital including opportunity cost, snap-back rates, and termination risk.

Debt & Credit Launch →
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Net Worth Tracker

Assets minus liabilities. Know your real number and see your trajectory.

Fundamentals Launch →
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Cash Value Life Insurance Calculator

Model how a high cash value policy grows and how tax-free loans let you access money without triggering income tax.

Fundamentals Launch →
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Is This Worth It? Lifestyle Tradeoff

See how many months of your life any purchase costs, what it's worth at retirement, and how much it delays financial freedom.

Fundamentals Launch →
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Subscription & Lifestyle Leak Analyzer

Add up recurring spend, rate each on actual value, see what those dollars become invested over 10/20/30 years and the bleed score for the lowest-value items.

Fundamentals Launch →
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⭐ Popular

Cost of Living Calculator (117 US Cities)

Compare 117 US metros across all 50 states + DC on state + sales tax, rent, fuel, utilities, groceries, dining, schools, and FIRE timeline at the same job. 58 cities host a major military base (Fort Liberty, Fort Cavazos, JBSA, JBLM, JBMDL, Pearl Harbor, JBER, Tinker, Nellis, MacDill, Wright-Patterson, Keesler, JB Charleston, Offutt, Dover, F.E. Warren, Minot, Ellsworth, Malmstrom). Updated monthly where data refreshes monthly.

Fundamentals Launch →