Personal finance calculators
Tools for the decisions that change a budget: what reaches your paycheck, what a loan really costs, whether a refinance pays back, and how long-term savings compound.
Pay, taxes, and work
Estimate annual tax impact and compare job or freelance scenarios. Tax-sensitive pages show their data year, modeled assumptions, and known exclusions.
- Federal income taxBrackets, deductions, FICA, marginal and effective rates.
- Take-home pay by stateState-by-state annual estimates with source and scope notes.
- 1099 quarterly taxFederal, self-employment, and estimated quarterly payments.
- Raise impactHow much of a raise reaches take-home after marginal taxes.
- True hourly wageNet pay divided by work, commute, and preparation time.
- Bonus taxSupplemental withholding versus eventual tax liability.
Home and mortgages
Move from affordability to payment, cash-to-close, and refinancing without re-entering the same numbers.
- House affordabilityIncome, debt, down payment, taxes, insurance, and PMI.
- Mortgage paymentFull monthly housing cost and extra-payment payoff.
- Down paymentLoan-to-value, PMI threshold, and cash needed.
- Closing costsItemized buyer cash-to-close estimate.
- Mortgage refinanceMonthly savings, break-even month, and term-reset effect.
- 10% vs 20% downPMI now versus the cost and delay of waiting.
Debt and borrowing
Compare payoff paths using total cost and time—not only the advertised monthly payment.
- Debt payoffSnowball and avalanche strategies side by side.
- Credit-card payoffMonths, interest, and minimum-payment traps.
- Loan / EMIPayment and total interest for an installment loan.
- Auto loanTax, trade-in, fees, financing, and total cost.
- Balance transferPromo fee and payoff window versus staying put.
- Save vs pay down debtCompare interest avoided with savings growth and liquidity.
Saving and retirement
Separate contributions from investment growth, show the assumptions, and compare future dollars with today's purchasing power.
- Compound interestPrincipal, contributions, frequency, and growth over time.
- Savings goalProject a balance or solve for the contribution required.
- 401(k) projectionSalary growth, contribution limits, and employer match.
- Roth IRAAfter-tax contributions and retirement outcomes.
- Required minimum distributionDistribution using the IRS Uniform Lifetime Table.
- Retiring at 55 planOne flow from current savings to withdrawal feasibility.
How to read the numbers
A calculator is only as useful as its assumptions. MiniCalc separates inputs from derived results, exposes the formula or calculation method, and labels the year or vintage of data-backed figures. Tax, health, and long-range projections remain estimates—not professional advice or promises.
See the sourcing and verification methodology · Read the finance guides · Browse side-by-side decisions