Money math that
makes sense.
Free calculators for the big money decisions — buying a home, paying off debt, saving and retiring — built on 2026 tax rules and today's rates, with every assumption shown.
Monthly payment with taxes & insurance
$2,698
At today's 7.32% average 30-year rate
What are you deciding?
Each calculator explains its math, shows a full schedule you can download, and links the results you'll want next.
Buying a home
Payments, affordability, refinancing and renting.
Paying off debt
Credit cards and multi-debt payoff plans.
Take-home pay in your state
2026 federal, state, local and payroll taxes — including CA SDI, New York paid family leave and the new state rate cuts.
Straight answers to money questions
All guidesSaving & investing
How Much Emergency Fund Do I Need? A Simple Way to Size It
Oct 26, 2026
Retirement
2027 401(k) contribution limits: projected figures and 2026 rules
Oct 25, 2026
Loans
Car loan interest deduction: who qualifies and what it's worth
Oct 24, 2026
Saving & investing
How Much Interest Will a $10,000 CD Earn in 12 Months?
Oct 23, 2026
Retirement
How Much to Save a Month to Have $1 Million by 60
Oct 21, 2026
Paychecks & taxes
Does no tax on overtime affect my paycheck? What actually changes
Oct 20, 2026
Why you can trust these numbers
Official sources
Tax brackets from the IRS, rates from Freddie Mac and the Federal Reserve, state rules from each state's revenue department.
Tested formulas
Every calculator is checked against worked examples and spreadsheet functions before it goes live.
Kept current
2026 tax figures, with market rates reviewed every month and limits updated each January.
Math you can see
Each page explains the formula, its assumptions and its limits — no black boxes.
Know when the numbers change
A short monthly email when mortgage rates move, IRS limits change or we add a calculator.