RESOURCES

Financial calculators

Run the numbers before you decide. Our calculator suite covers the most common money questions — from withholding and estimated taxes to mortgages, savings, and retirement.

Tax & withholding

A quick federal estimate so you know whether your paycheck withholding is on track — and what a quarterly payment would look like.

YOUR NUMBERS
$
$
$
Estimated refund
$0
 
Federal taxWhat you keep
Standard deduction$0
Taxable income$0
Estimated federal tax$0
Withheld so far$0
Effective rate0%
Marginal bracket0%
If paying quarterly, each payment$0
Based on 2025 federal figures. Standard deduction and brackets only — it doesn't include credits, itemised deductions, state tax, or self-employment tax. Your preparer will run the real numbers.

Estimates only, not tax advice.

Mortgage & home

What the monthly payment really looks like once taxes and insurance are in it — and roughly how much home fits your budget.

THE LOAN
$
%
%
$
$
$
HOW MUCH HOME
$
$
Housing budget$0
Price you could support$0
Total monthly payment
$0
Principal & interest$0
Property tax$0
Insurance$0
HOA$0
Total each month$0
Loan amountInterest over the term
Down payment$0
Amount borrowed$0
Total interest$0
Total of payments$0

Payment shown is principal, interest, tax, insurance and HOA. It doesn't include mortgage insurance (PMI), which most lenders add below 20% down. Affordability uses the common 28% housing / 36% total-debt guideline.

Retirement

What today's savings rate grows into by the time you retire, including the employer match — and how long it would last.

WHERE YOU ARE
$
$
MATCH & ASSUMPTIONS
$
%
%
$
Projected balance at retirement
$0
What you put inGrowth
Time to grow0 years
Employer match / month$0
Total going in / month$0
Total contributed$0
Growth$0
Income at a 4% withdrawal / month$0
Lasts about—

Assumes contributions continue every month and returns average out — real markets don't move in a straight line. "Lasts about" draws your monthly spending while the remaining balance keeps earning the same return.

Savings & investing

What it takes each month to reach a goal by a certain date — and where your current plan actually lands.

THE GOAL
$
$
%
YOUR CURRENT PLAN
$
Projected value$0
Versus the goal—
Save this much each month to hit the goal
$0
ContributionsGrowth
Goal$0
What today's savings grows to$0
Total you'd contribute$0
Growth on the plan$0
Where the plan lands$0

Growth is compounded monthly at the rate you enter, before tax and inflation.

Loans & debt

The real cost of a loan over its life, and what paying a little extra each month actually buys you.

THE LOAN
$
%
$
Monthly payment
$0
PrincipalInterest
Scheduled payment$0
Extra you're adding$0
Scheduled term—
Paid off in—
Interest on schedule$0
Interest saved by paying extra$0
Debt-free—
Total you'll repay$0

Assumes a fixed rate and that extra payments go straight to principal every month.

Small business

Self-employment tax on your profit, what to set aside each quarter, and how many sales cover your fixed costs.

SELF-EMPLOYMENT TAX
$
BREAK-EVEN
$
$
$
Margin per sale$0
Sales needed each month—
Revenue at break-even$0
Self-employment tax for the year
$0
SE taxRest of profit
Net earnings (92.35% of profit)$0
Social Security portion$0
Medicare portion$0
Deductible half$0
Set aside each quarter$0
Based on 2025 figures. Self-employment tax only — income tax, state tax, and credits are separate. Talk to us before relying on this for estimated payments.

Break-even is fixed costs divided by the margin on each sale.

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