Free money calculators that show their work
19 focused tools for the decisions that cost real money: how much tax to set aside, whether to lease or buy, when refinancing pays off, how early you can retire. Every calculator runs in your browser, needs no account and explains the formula behind each number.
Taxes & freelancing
Set aside the right amount, compare W-2 and 1099 pay, and see which deductions apply.
Freelance Tax Desk
1099 and self-employment tax planner for US freelancers.Self-employed people owe self-employment tax on top of income tax and pay in quarters, which catches many first-year freelancers off guard. We made this to estimate what to set aside from each invoice.
ShiftPay Tax Desk
Your 2026 overtime & tips tax deduction.New deductions for tips and overtime depend on only one thing you control: your records. We built this tool to estimate the possible tax effect and to show what to keep during the year.
WriteOff Desk
Section 179 & bonus depreciation savings.Equipment deductions are time-sensitive and the rules around limits and placed-in-service dates are easy to misread. This tool estimates the tax saving from a purchase and reminds you of the dates that matter.
Cars & driving
The real cost of owning, leasing and driving for a living.
EVvsGas Desk
Is an electric car cheaper than gas for you?The sticker price of an electric car says little about what it costs to own. We compare fuel, charging, maintenance and tax credits over the years you plan to keep the car, using your own mileage and local prices.
LeaseWise
Lease or buy a car: the real cost.Leasing and buying are often compared by monthly payment alone, which ignores what you own at the end. We lay out total cash out and remaining value side by side over the same period.
GigDrive Profit
What Uber & DoorDash really pay you per hour.Rideshare and delivery income looks high until fuel, depreciation and insurance are counted. This tool turns your weekly miles and earnings into a true hourly figure so you can see which shifts are worth driving.
TruckCost Desk
Cost per mile and minimum rate for owner-operators.Owner-operators think in revenue per mile, but the number that matters is cost per mile. This tool adds fuel, maintenance, insurance and payments to show the rate you need to charge to stay profitable.
Housing & real estate
Rent or buy, refinance, and evaluate rental and flip deals with the numbers lenders use.
RentBuy Desk
Rent or buy? See the year it flips.The rent-versus-buy question is full of hidden costs on both sides: maintenance, taxes, opportunity cost. We put them in one model so you can see the break-even year for your own situation.
RefiPoint
Is refinancing worth it? Find the break-even month.A lower rate does not always mean savings once closing costs are counted. This tool finds the month when a refinance pays for itself, so you can decide whether you will stay long enough to benefit.
RentalROI Desk
Cash flow, cap rate and DSCR for rental deals.A rental can look profitable on rent alone. Counting vacancy, repairs, management and financing shows the cash flow and return that remain, which is the number that matters for a decision.
FlipDeal Desk
House flip profit and the 70% rule.House flips fail when small costs are left out: holding costs, financing points, a few extra weeks. This tool adds every line so you can test the maximum price you should offer before you fall in love with a property.
Retirement & debt
Plan when you can stop working, how to claim benefits, and the fastest way out of debt.
FireLine
Find the year you can stop working.Financial independence comes down to two numbers: what you spend and what your portfolio can safely support. This calculator ties them together so you can see how savings rate and withdrawal rate move your target date.
ClaimAge Desk
Claim Social Security at 62, 67 or 70?Claiming Social Security early or late changes the monthly amount for life. We compare claiming ages side by side and show the age at which waiting starts to pay off.
DebtFree Planner
Snowball vs avalanche debt payoff planner.Most payoff advice stops at "pay more than the minimum". This tool shows how the order you pick, snowball or avalanche, changes the month you finish and the interest you pay, so you can choose with numbers instead of guesses.
RAP Loan Desk
Student loans under the new Repayment Assistance Plan.Retirement account withdrawals have rules that depend on age and balance, and mistakes can be costly. This planner estimates required amounts so you can plan withdrawals ahead of the deadline.
Business & pricing
Price jobs, compare loans, and track the metrics that decide whether a small business works.
BidMarkup Desk
Price jobs right: markup, margin and bid price.Contractors lose money by pricing from gut feeling. Starting from your costs, overhead and the profit you want, this tool shows the difference between markup and margin and the bid that actually delivers it.
BizLoan Desk
Compare business loan offers side by side.Small business loans differ in rate, fees and term in ways that are hard to compare. This calculator shows the real monthly payment and total cost so you can judge an offer before signing.
SellerNet
What you really keep from every sale.Marketplace sellers see revenue but often miss how fees, shipping and returns eat into it. We calculate the profit that is actually left per sale and the price needed to hit a target margin.
SaaS Pulse
MRR, churn, LTV and CAC in one panel.Founders hear about MRR, churn and LTV but rarely see how they connect. This tool links them so you can test how a small change in churn moves revenue over the next year.
How we keep them reliable
Each tool is built around one decision, uses published rates and rules, and links to a written guide explaining the assumptions. Read the methodology to see how we source and update the numbers.