Finance Calculators

Free, accurate calculators for property tax, debt payoff, retirement planning, and other personal finance decisions. No sign-up required.

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Property Tax Calculator
Estimate annual property tax for any U.S. state using 2024 effective rates. Includes all 50 states plus D.C.
Calculate property tax
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FIRE Number Calculator
Find the portfolio size you need to retire early using the 4% safe withdrawal rule, with adjustable assumptions.
Calculate FIRE number
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Debt Payoff Calculator
Compare avalanche vs. snowball strategies side-by-side with a month-by-month payoff schedule and interest projections.
Plan debt payoff
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Compound Interest Calculator
See how your money grows with compound interest. Adjust deposit, monthly contributions, rate, and compounding frequency.
Calculate compound interest
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Mortgage Payment Calculator
Estimate your monthly mortgage payment including principal, interest, taxes, insurance, and PMI with amortization chart.
Calculate mortgage payment
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Refinance Break-Even Calculator
Find out how many months it takes for refinancing savings to exceed closing costs. Know exactly when it pays off.
Calculate break-even
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Emergency Fund Calculator
Calculate your ideal emergency fund based on monthly expenses, income stability, and coverage months. Track your progress.
Calculate emergency fund
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Capital Gains Tax Calculator
Estimate federal capital gains tax on investments. Compare short-term vs long-term rates by filing status and income.
Calculate capital gains tax

Why these calculators matter

Personal finance decisions compound. A 1% difference in your assumed retirement return swings your FIRE number by tens of thousands of dollars. Choosing avalanche over snowball on your debt payoff can save you hundreds in interest. Knowing your true property tax burden before you buy a home prevents budget surprises that strain household finances for years.

Our finance calculators cut through the marketing noise from banks, brokers, and agents โ€” and give you the same numbers a financial planner would run, instantly and for free.

Property tax โ€” covers all 50 states

Our property tax calculator is the most comprehensive on the site, with dedicated pages for every U.S. state and the District of Columbia. Each state page uses 2024 U.S. Census Bureau effective tax rate data, accounts for state-specific exemptions (homestead, senior, disabled veteran), and gives you both annual and monthly estimates.

FIRE Number โ€” the foundation of early retirement planning

The FIRE (Financial Independence, Retire Early) movement uses a simple rule: you need 25 times your annual expenses invested to safely retire. Our calculator lets you adjust the safe withdrawal rate, factor in expected inflation, and stress-test your number against different market scenarios.

Debt Payoff โ€” avalanche vs snowball, side by side

Two competing strategies dominate debt payoff advice: avalanche (highest interest rate first, mathematically optimal) and snowball (smallest balance first, psychologically rewarding). Our calculator runs both simultaneously and shows you exactly how much extra interest the snowball method costs you โ€” so you can make the trade-off with eyes open.

Quick links: Property tax by state

Jump straight to your state's property tax calculator:

More calculators coming

We're actively expanding the finance section. Upcoming additions include sales tax by state, investment return, and retirement income calculators.