All Calculators
Every published Breakeven Math calculator, grouped by the decision it supports. Most apply US federal and state rules; one covers the Australian Age Pension.
401(k) Employer Match & True-Up
Per-paycheck contributions needed to capture the full employer match, with vesting schedules and true-up provisions.
EV vs Gas vs Hybrid Cost Calculator
Total cost of an electric, hybrid or gas car over the years you keep it, the year a pricier car pays for itself, and the annual mileage at which the EV matches gas.
Car Buy vs Lease Calculator
Net cost of leasing a car repeatedly against buying it with a loan over 3, 6 or 9 years, including residual, money factor, fees, mileage and resale, and the year buying overtakes.
Pay Cash vs Finance a Car: 0% APR vs Rebate
Pay cash or finance and keep the cash invested, the rate a 0% offer really costs when it means giving up a rebate, and the return at which financing comes out ahead.
Repair vs Replace Car Calculator
The yearly cost of repairing and keeping an older car against replacing it, over the years the repair buys, and the repair quote at which replacing becomes cheaper.
Charitable Real Estate Donation Calculator
The deduction, yearly AGI limit and five-year carryover for giving appreciated real estate to a charity or selling it at a bargain, and the cash difference from selling it.
Social Security Claiming Age Calculator
The age at which waiting until 70 pays more in total than claiming at 62, a couple's spousal and survivor benefits, and a pension lump sum against its annuity.
Backdoor Roth & Pro-Rata Modeler
Calculate taxable conversion ratios under the IRS Form 8606 Pro-Rata Rule, track non-deductible basis, and model 401(k) reverse rollover shelters.
Mega Backdoor Roth Calculator
After-tax 401(k) room under the annual additions limit once deferrals and employer money are counted, with catch-up kept outside it, and the cost of leaving the money unconverted.
Solo 401(k) vs. SEP IRA Contributions
2026 Solo 401(k) and SEP IRA contribution limits and deductions for self-employed and S-Corp owners, side by side with upfront tax savings.
Cash Balance Plan Contribution Calculator
Estimated yearly cash balance credit for a business owner from the 2026 benefit limit, age, pay and the 10-year phase-in, plus the 401(k) deferral and the tax saved.
Solo 401(k) Rental Property Calculator
Cash flow, cash-on-cash return and 20-year value for a rental bought in a Solo 401(k), and the unrelated business income tax an IRA would owe on the same property.
HSA Triple-Tax & Stealth IRA Modeler
Calculate upfront income and FICA 7.65% tax deductions, 30-year tax-free compounding, and the stealth IRA receipt shoebox strategy.
HSA "Stealth IRA" Wealth Modeler
Calculates triple-tax-free HSA compound growth vs taxable brokerage accounts utilizing the shoebox receipt reimbursement strategy.
HDHP (HSA) vs. PPO Calculator
Compare High Deductible HDHP + HSA vs Traditional Low Deductible PPO plans: model payroll premium savings, employer HSA seeds, and 3-tier medical spending stress tests.
529 College Savings & State Tax
529 plan growth and state tax deduction savings, compared against a taxable brokerage account, with SECURE 2.0 Roth rollovers.
Tax-Loss Harvesting
Tax saved by harvesting capital losses under 2026 rules: short- and long-term offsets, the $3,000 limit, carryforwards, NIIT, and the wash-sale rule.
Centrelink Age Pension & Deeming Calculator (Australia)
Estimate your fortnightly Centrelink Age Pension under both the assets and income tests, including deeming on financial assets and the Work Bonus.
State-to-State Tax & Relocation Modeler
Net tax savings weighed against the costs of moving to a no-income-tax state such as Texas, Florida, Washington, or Nevada, including property and sales tax.
Section 179 Heavy Vehicle Deduction (over 6,000 lbs GVWR)
2026 first-year Section 179 and bonus depreciation deductions and tax savings for business vehicles over 6,000 lbs GVWR, using IRS Pub 946 limits.
ISO vs. NSO Stock Options & AMT
Calculate your Alternative Minimum Tax (AMT) liability when exercising Incentive Stock Options (ISOs) vs Non-Qualified Stock Options (NSOs) and model Form 8801 AMT credits.
RSU Tax Withholding & Underpayment Penalty
The federal tax a 2026 RSU vest adds, the shortfall left by 22% supplemental withholding, and the Form 2210 underpayment penalty it could trigger.
Job Offer Comparison: Net Pay After Work Costs
Two job offers compared after an assumed tax rate and the commuting, childcare, and pet care costs each role adds, plus the raise that would make them equal.
W-2 vs. 1099 vs. C2C (S-Corp)
Net take-home pay, total tax, and business deductions compared across W-2, 1099, and C2C (S-Corp) structures, including the reasonable-salary split.
Freelance Hourly Rate & Retainer Calculator
Calculate true billable hourly rates, factor in 15.3% self-employment taxes, 60% billable utilization buffers, and value-based retainers.
Home Affordability Calculator
The maximum home price under a 36% debt-to-income limit, from income, monthly debts, down payment, and interest rate.
Physician Loan vs Conventional Mortgage Calculator
Run both amortization schedules side by side: months of PMI until the 80% or 78% threshold, interest over your holding period, and the earnings you give up on a larger down payment.
401(k) Loan vs PMI Down Payment Calculator
Borrow from a 401(k) to reach 20% down, or pay PMI: the PMI and mortgage interest avoided, the 401(k) gap, and the tax on loan interest, with spending held equal.
Mortgage Amortization Schedule
Monthly payment, total interest, and a year-by-year schedule of interest, principal, and balance for a fixed-rate mortgage.
Extra Mortgage Payment vs Investing Calculator
Pay extra principal or invest the same amount: interest saved, payoff date, after-tax balances with equal spending, and the return at which the two come out equal.
Refinance True Breakeven & Term Reset
Months to recover refinance closing costs, and the extra years and interest added when a refinance restarts the loan term.
Fed Rate Cut Mortgage Refinance Savings
Monthly and lifetime savings when mortgage rates fall, with closing-cost break-even timelines.
Mortgage Recast Calculator
New monthly payment after a lump-sum principal payment and recast, with per-$10,000 tables and how a recast differs from a refinance or prepaying.
Mortgage Discount Points
Calculate whether paying 1 to 2 discount points upfront at closing actually saves money before you move or refinance into lower market rates.
BRRRR Real Estate Modeler
Model purchase price, rehab budgets, 75% ARV cash-out refinances, capital recapture, DSCR coverage, and cash-on-cash ROI.
Rent Hike vs. Moving Cost
Determine if moving to a cheaper apartment actually saves money once moving trucks, broker commissions, and security deposit friction are counted.
No matching calculators found
Try searching for keywords like "401k", "Roth", "Mortgage", "RSU", "HSA", or "Tax".
ISO exercises and the AMT, measured across 500 scenarios
We modelled 500 startup-employee exercise scenarios to find where paper wealth turns into a real Alternative Minimum Tax bill.
How these calculators are built, verified, and run
How the calculators handle your inputs, where their figures come from, and how they are checked.
Client-Side Isolation
Every calculation occurs entirely within your browser's local memory using pure JavaScript and local state. When you calculate tax liability or debt amortization, your financial inputs never leave your browser.
Sourced Figures
Tax limits, rates, and thresholds are taken from agency publications such as IRS revenue procedures, notices, and publications, and Services Australia for the Age Pension. Most pages list the publications their figures come from.
How Figures Are Checked
When a page is updated, its worked examples and tables are regenerated by running the calculator's own code rather than typed by hand, and its tax figures are rechecked against their sources.