All Calculators

Calculate EV vs gasoline car total savings over 5-10 years. Compare upfront costs ($30K-50K EV price premium), fuel savings ($1,200-2,500/year at $0.04-0.06/kWh vs $0.12-0.18/mile gas), maintenance savings (40-50% lower), federal tax credit ($7,500 2025), state incentives, insurance differences, resale value, and break-even point. Analyze monthly charging costs, home vs public charging, time-of-use rates, and TCO (total cost of ownership) projection over vehicle lifetime.

Calculate electric vehicle charging costs at home, public stations, and DC fast chargers. Estimate monthly/annual electricity costs based on kWh rate ($0.10-$0.40/kWh), vehicle efficiency (2.5-4.5 mi/kWh), and driving distance (500-2000 miles/month). Compare Level 1 (120V, 3-5 mi/hour), Level 2 (240V, 15-40 mi/hour), and DC Fast (50-350kW, 100-300 mi/30min) charging costs. Analyze home charging ($30-80/month) vs public charging ($60-150/month), peak vs off-peak electricity rates, and EV vs gas savings ($800-1500/year).

Calculate electric vehicle range based on battery capacity (40-100+ kWh), efficiency (2.5-4.5 mi/kWh), driving conditions (city 25% better vs highway), temperature impact (-20-40% in cold/hot weather), speed (55mph optimal, 75mph -30% range), and state of charge (80% max daily recommended). Estimate real-world range vs EPA ratings, plan road trips with charging stops, and optimize driving habits for maximum range. Analyze HVAC usage (-15-30% range), terrain elevation changes, and battery degradation (2-3% per year).

Calculate the true total cost of owning a car over 3, 5, or 7 years. Compare purchase price, depreciation, insurance, fuel, maintenance, repairs, taxes, and financing costs. Analyze new vs used, electric vs gas, lease vs buy scenarios. Get real TCO per mile and per year with 2025 data for informed vehicle buying decisions.

Calculate the complete cost of owning a car including purchase price, financing, depreciation, fuel, insurance, maintenance, and repairs over 3-7 years.

Calculate average order value (AOV) for your e-commerce business. Benchmark against 8 industries, discover 8 proven AOV improvement strategies, and project revenue impact with real-time calculations.

Calculate break-even point using fixed costs, variable cost per unit and unit price. The tool shows units and revenue needed to break even, with clear formulas to help you test price or cost scenarios and understand contribution margin impacts.

Find your break-even point with our free calculator. Analyze costs, revenue, and profitability. Get instant business insights!

Calculate your startup's Burn Multiple (Net Burn / Net New ARR) to measure capital efficiency. This essential SaaS metric, popularized by David Sacks and Bessemer Venture Partners, reveals how much cash you burn to generate each dollar of new ARR. Use our free calculator to benchmark your efficiency against Seed, Series A, and Series B standards for 2025. Features include: Burn Multiple Formula calculation, Hype Ratio, Magic Number analysis, and CAC Payback period. Perfect for founders preparing for fundraising and VCs evaluating "default alive" status.

Professional burn rate calculator for startups and businesses analyzing cash runway and monthly spending. Calculate gross burn rate (total monthly cash outflow), net burn rate (spending after revenue), and runway months remaining (cash ÷ burn rate). Input starting cash balance ($250k-$5M typical seed/Series A), ending cash balance (current position), time period (1-12 months measurement), and monthly revenue ($0-$500k range) to generate comprehensive burn analysis including: Monthly Burn Rate calculation ($50k-$300k typical startup range), Net Burn Rate after revenue (shows true cash consumption rate), Cash Burned total (visualizes spending acceleration), Gross Runway months (without revenue assumption, typically 6-24 months healthy range), Net Runway months (accounting for revenue, 12-36 months strong position), and Burn Rate Ratio efficiency metric (burn÷revenue, <1.0 = revenue exceeds burn, 1.0-3.0 = healthy growth-stage ratio, >3.0 = unsustainable burn). Features color-coded runway alerts: Red warning (<6 months = immediate fundraising needed), Yellow caution (6-12 months = start fundraising process), Green healthy (>12 months = sufficient runway). Essential for venture-backed startups tracking quarterly board metrics, founders planning fundraising timelines (raise 6-9 months before runway end), CFOs modeling cash flow scenarios (best/base/worst case analysis), and investors conducting due diligence (burn multiple analysis, capital efficiency scoring). Includes benchmark data: Pre-seed $30-50k/month burn, Seed stage $75-150k, Series A $200-400k, Series B+ $500k-$1M+ burn rates. Critical decision support: When to raise (raise at 6-9 months runway to avoid down-round), how much to raise (18-24 months runway optimal, 12 months minimum), and operational adjustments needed (if burn ratio >5.0 = cut spending 30-50%, if <1.0 = reinvest in growth). Covers all burn rate formulas: Gross Burn = (Starting Cash - Ending Cash) ÷ Months, Net Burn = Gross Burn - Monthly Revenue, Gross Runway = Current Cash ÷ Gross Burn, Net Runway = Current Cash ÷ Net Burn, Burn Multiple = Net Burn ÷ Net New ARR (VC efficiency metric, <1.5x excellent, 1.5-3x good, >3x concerning). 2025 market context: Higher interest rates = longer fundraising cycles (6-9 months vs 3-4 months in 2021), increased scrutiny on capital efficiency (burn multiple now top VC concern), and "default alive" vs "default dead" analysis (path to profitability within 18-24 months expected). Use cases: Monthly board reporting (track burn trends, variance analysis), scenario planning (model hiring plans, marketing spend impact), fundraising preparation (demonstrate capital efficiency, project future dilution), and operational decision-making (evaluate cost-cutting options, prioritize growth vs profitability).

Calculate startup burn rate, monthly cash consumption, and runway remaining before funding exhaustion. Track gross burn rate (total monthly expenses), net burn rate (expenses minus revenue), cash runway in months (cash balance ÷ net burn), and breakeven timeline. Analyze operating expenses ($50k-500k/month), revenue growth rate (0-100% MoM), and funding needs for Seed/Series A rounds ($500k-$10M). Essential for founders monitoring cash position, investors evaluating viability, and CFOs forecasting runway extension strategies (cost cuts, revenue acceleration, fundraising timing).

Free business valuation calculator using EBITDA multiples, SDE, DCF, and revenue methods. Calculate company worth for sale, acquisition, or investment. Industry-specific multiples for SaaS (8-15x), manufacturing (4-7x), retail (3-6x), and service businesses (2-4x).

Free business valuation calculator using 5 proven methods: Revenue multiple (2-5x for SMBs, 5-15x SaaS), EBITDA multiple (3-6x industry standard, 8-12x tech), Seller's Discretionary Earnings (SDE 2-4x for owner-operated), Discounted Cash Flow (DCF), and Asset-based valuation. Calculate fair market value for sale, acquisition, or fundraising. Compare industry multiples, adjust for growth rate (20%+ adds 2-3x premium), and factor in customer concentration risk, recurring revenue (ARR/MRR), and market conditions. Estimate valuation range $100K-$50M+ businesses.

Calculate cash conversion cycle (CCC) from DIO, DSO and DPO. Understand how quickly cash invested in inventory and receivables returns to the business and how process changes or payment terms impact working capital.

Calculate customer churn rate (attrition rate) instantly with our free tool. Track monthly/annual customer loss, analyze retention trends, and benchmark against industry standards (SaaS 5-7%, subscription 6-8%). Includes revenue churn calculator, cohort analysis, and actionable retention strategies to reduce churn 20-40%.

Calculate sales commission earnings instantly with multiple structures: flat percentage (5-15%), tiered rates, revenue vs profit-based, and team splits. Compare gross vs net commission after taxes (25-37%), track quota attainment bonuses, and forecast annual earnings with draw recovery scenarios for 2025.

Compute conversion rate from visitors/sessions and conversions, plus reverse calculations (required conversions or traffic to hit a target rate). Use this to benchmark funnels and quantify lifts from A/B tests with transparent formulas.

Calculate customer lifetime value with advanced CLV models, cohort analysis, retention curves, and CAC payback period tracking for SaaS and subscription businesses.

Calculate customer retention rate (CRR) and churn rate for SaaS, e-commerce, and subscription businesses. Track cohort retention over monthly/quarterly/annual periods. Benchmark against industry standards (SaaS 90-95%, E-commerce 30-40%, Retail Banking 75-85%). Analyze revenue retention (NRR 100-120%), customer lifetime value impact, and retention improvement ROI. Measure repeat purchase rate, logo retention, and MRR/ARR churn (target <5% monthly).

Calculate dropshipping profit margins after all costs: product cost, shipping fees, platform fees (Amazon 15%, eBay 13%, Shopify 2.9%), advertising spend, and returns. Estimate monthly profit potential and break-even point for your dropshipping business.

Calculate business valuation using EBITDA multiples with 2025 industry benchmarks. Compare SaaS (8-20x), healthcare (6-14x), manufacturing (4-9x), and professional services (4-10x) multiples. Adjust for growth rate, recurring revenue percentage, customer concentration, and owner dependence. Estimate enterprise value range with low/mid/high scenarios and implied revenue multiples.

Calculate true Etsy seller profit after all fees and costs. Track listing fees ($0.20/item), transaction fees (6.5% of sale price + shipping), payment processing (3% + $0.25), Etsy Ads (12-15% optional), offsite ads (15% on $10k+ annual sales), and COGS (materials, labor, packaging $5-50/item). Analyze gross revenue ($100-10,000/month), net profit margin (10-40% typical), breakeven pricing, and monthly profit ($50-4,000 for part-time sellers). Essential for pricing strategy, fee optimization, and understanding real take-home earnings vs gross sales.

Calculate Facebook Ads ROI and ROAS with detailed metrics. Track ad spend, conversions, CPC ($0.50-$2.00 average), CPM ($5-$15), CTR (0.9-1.5%), and conversion rates by industry. Compare campaign performance and optimize budget allocation for maximum return.

Compare FIFO (First-In-First-Out) vs LIFO (Last-In-First-Out) inventory costing methods for COGS and tax implications. Calculate ending inventory value, cost of goods sold, gross profit, and tax liability under both methods. Analyze impact of rising costs (LIFO saves taxes 15-30% in inflation), stable costs (methods identical), and falling costs (FIFO saves taxes). Essential for manufacturers, retailers, and CFOs optimizing inventory accounting policy (IRC §471, §472) to minimize taxes while meeting GAAP/IRS compliance. Supports multi-tier inventory layers, weighted average method comparison, and LIFO reserve tracking.

Calculate fill rate for supply chain management including order fill rate, line fill rate, unit fill rate, case fill rate, and perfect order rate. Compare against 2025 industry benchmarks for CPG, retail, pharmaceutical, and manufacturing. Includes fill rate formulas, improvement strategies, and business impact analysis.

Calculate total fleet maintenance costs including preventive maintenance, repairs, parts, labor, and downtime. Track per-vehicle and per-mile costs across your entire fleet. Optimize maintenance schedules and budget allocation for commercial vehicles, delivery fleets, and transportation companies.

Calculate franchise investment ROI including initial franchise fee ($10K-$500K), startup costs, royalty fees (4-8% of revenue), marketing fees (1-3%), and projected revenue. Estimate payback period and 5-year returns for franchise opportunities.

Calculate total e-commerce fulfillment costs including pick & pack ($2-5/order), warehouse storage ($0.50-2.00/cubic ft/month), shipping ($5-15/package USPS/UPS/FedEx), returns processing ($3-8/return 15-30% rate), kitting/assembly ($1-3/unit), and overhead (labor, tech, insurance 20-30% of direct costs). Compare in-house fulfillment vs 3PL providers (Amazon FBA, ShipBob, ShipStation). Analyze costs per order, monthly warehouse fees, and break-even volume (typically 100-500 orders/month for 3PL switch). Factor in peak season surcharges, dimensional weight pricing, and zone-based shipping rates.

Calculate optimal Google Ads budget based on target conversions, industry CPC ($1-$50+), expected CTR (2-5%), and conversion rates (2-10%). Estimate monthly spend needed to achieve lead generation or sales goals with ROI projections.

Calculate gross margin and markup for your business. Free profit analysis tool with instant results. Optimize your pricing strategy!

Compute total growth and compound annual growth rate (CAGR) from an initial value, a final value and the number of periods. The tool shows both overall growth percentage and CAGR, with clear formulas and example defaults so you can quickly validate assumptions and compare scenarios.

Calculate invoice due dates based on payment terms (Net 30, Net 60, 2/10 Net 30). Track early payment discounts, late payment penalties, and cash flow impact. Essential for accounts receivable management and working capital optimization.

Calculate markup percentages, profit margins, and optimize pricing strategy with competitive analysis and industry benchmarks.

Calculate MRR (Monthly Recurring Revenue) for SaaS and subscription businesses. Track new MRR, expansion MRR, churned MRR, and net MRR growth. Project ARR (Annual Recurring Revenue) and analyze revenue trends for investor reporting.

Plan your Google Ads budget with our free PPC calculator. Optimize your advertising spend for 2025. Get ROI projections now!

Calculate PPP (Paycheck Protection Program) loan forgiveness amount for your small business. Determine eligible expenses, payroll costs, FTE requirements, covered period compliance, and forgiveness percentage. See if you qualify for full or partial forgiveness with 2024-2025 final SBA rules and documentation requirements for First Draw and Second Draw PPP loans.

Calculate ROAS (Return on Ad Spend) for digital marketing campaigns. Compare performance across Google Ads, Facebook, Instagram, and TikTok. Industry benchmarks: e-commerce 4:1, lead gen 5:1, brand awareness 2:1. Optimize ad budget allocation.

Calculate sales tax for all 50 US states plus DC with 2025 rates. Input purchase amount, select state, add local tax rates (0-8%), and instantly see state tax, local tax, total tax, and final purchase price. Includes 5 tax-free states (Alaska, Delaware, Montana, New Hampshire, Oregon) and combined rates up to 11.5%. Essential for e-commerce sellers, businesses, and consumers to understand exact tax obligations.

Estimate dedicated team costs by role mix, hourly rates, utilization, and engagement duration. Includes overhead assumptions and scenario analysis for nearshore/onshore/offshore blends.

Plan offshore development budgets by sprint or month. Model engineer seniority mix, regional rate bands, productivity multipliers, and management overhead to compare vendor proposals.

Estimate embedded software project costs using effort drivers (complexity, safety class, hardware constraints) and role mix (firmware, validation, QA). Output phase breakdown and contingency.

Compare staff augmentation scenarios by FTE count, hourly rates, utilization, vendor margin, and term length. Visualize total cost vs. hiring and blended team structures.

Interactive calculator migrated from tools site.

Interactive calculator migrated from tools site.

Calculate the number of units you need to sell to break even and cover all fixed and variable costs.

Calculate the ratio of Customer Acquisition Cost (CAC) to Customer Lifetime Value (LTV) to evaluate business efficiency.

Calculate current ratio (current assets ÷ current liabilities) to assess short-term liquidity. Compare against industry benchmarks (1.5-3.0 healthy), analyze working capital adequacy, and identify potential cash flow issues.

Calculate net profit margin to measure overall profitability as a percentage of revenue.

Calculate operating margin to measure operational efficiency before interest and taxes.

Calculate return on investment (ROI) for marketing campaigns to measure effectiveness.

Free dry cleaner business valuation calculator. Calculate fair market value using SDE multiples (1.5-3.0x), revenue multiples, and asset valuation. Industry benchmarks for buying or selling a dry cleaning business.

Calculate your tithe based on gross vs net income. Compare biblical perspectives, see monthly projections, and track giving potential. Includes tax deduction estimates.

Calculate complete loan amortization schedules with payment-by-payment breakdown showing how much goes to principal vs interest each month. Analyze monthly vs bi-weekly payment strategies (26 half-payments = 13 full payments/year saves significant interest), model recurring extra monthly payments ($100-$500/month scenarios), schedule one-time lump sum prepayments (bonuses/tax refunds applied to specific months), and compare 6 prepayment scenarios from standard payment to +25% accelerated payoff. View detailed amortization schedule with full payment table (payment #, date, payment amount, principal portion, interest portion, remaining balance, cumulative totals), visualize loan balance curve over time showing paydown progression, review yearly summary cards breaking down annual principal/interest/ending balance for first 10 years, analyze first vs last payment comparison highlighting interest front-loading (early payments 80-90% interest vs final payments 95%+ principal), calculate precise interest savings and time saved from prepayments (example: $250k mortgage 6.5% 30yr + $100/month extra = save $41,520 interest + pay off 4.2 years early), track effective APR vs nominal interest rate, project payoff date with current strategy, and model payment evolution showing principal/interest ratio shift. Compare 4 detailed view modes: Calculator (input loan amount/rate/term, select monthly or bi-weekly frequency, configure recurring extra payments or one-time lump sum with target month, instant payment summary card showing monthly/bi-weekly payment amount, total interest, total paid, payoff date, total payments count, prepayment savings alert if applicable), Schedule (full amortization table with 12-360+ monthly payments, toggle first year vs complete schedule, balance curve chart with 0-100% scale showing loan paydown progression, yearly summary grid displaying first 10 years broken down by year with principal paid/interest paid/ending balance), Comparison (6 prepayment scenarios table: Standard Payment baseline, +$100/month, +$250/month, +$500/month, +10% Payment, +25% Payment with columns for monthly payment/total interest/interest saved/time saved/payoff time, interest savings visualization bars showing percentage of max interest for each scenario with "Save $X" labels), Strategies (comprehensive prepayment guide covering extra monthly payments strategy with $100/$250/$500 impact examples, bi-weekly payment mechanics explaining 26 half-payments = 13 full payments advantage, annual lump sum timing recommendations, round-up strategy psychology, prepayment decision framework with good candidates checklist vs alternatives-first warnings, implementation tips for automation/tracking/principal-only specification/annual review, refinancing considerations including break-even calculation, common mistakes like ignoring total interest cost/not specifying principal application/neglecting opportunity cost). Understand front-loaded interest mechanics: Early payments allocate 80-90% to interest due to higher remaining balance, later payments allocate 95%+ to principal as balance shrinks, example $250k 6.5% 30yr: Payment 1 = $230 principal + $1,354 interest vs Payment 360 = $1,580 principal + $9 interest. Analyze bi-weekly payment advantage: 26 bi-weekly payments per year = 13 full monthly equivalents (vs 12 monthly), extra full payment each year reduces principal faster, compound effect over 30 years saves 15-20% total interest + shortens term by 4-6 years, example $250k 6.5% 30yr: Monthly total interest $319,838 vs Bi-weekly total interest $274,192 (save $45,646, pay off in 26.3 years). Model prepayment scenarios impact: Standard payment $250k 6.5% 30yr = $1,580/month, $319,838 total interest. +$100/month scenario = $1,680/month, $278,318 total interest (save $41,520, 4.2 years early). +$250/month scenario = $1,830/month, $243,907 total interest (save $75,931, 7.5 years early). +$500/month scenario = $2,080/month, $197,429 total interest (save $122,409, 11.8 years early). +10% Payment scenario = $1,738/month, $263,517 total interest (save $56,321, 5.6 years early). +25% Payment scenario = $1,975/month, $205,184 total interest (save $114,654, 10.9 years early). Calculate one-time lump sum impact: $10,000 extra payment in Month 12 saves $23,417 interest over remaining term (2.4x multiplier effect), same $10,000 in Month 120 saves $12,856 interest (1.3x multiplier), early prepayments have exponential impact due to compound interest prevention. Review effective APR calculation: Nominal rate = 6.5% annual. Effective APR = (1 + 0.065/12)^12 - 1 = 6.697% accounting for monthly compounding. Higher frequency = higher effective rate impact. Review payment breakdown visualization: Principal percent bar (green gradient, width = principal ÷ total paid × 100%), Interest percent bar (red gradient, width = interest ÷ total paid × 100%), example $250k 6.5% 30yr standard: Principal 43.9% ($250k), Interest 56.1% ($319,838). Analyze payment evolution boxes: First payment card (Month 1 breakdown: Principal $230.16, Interest $1,354.17, total $1,584.33), Last payment card (Month 360 breakdown: Principal $1,575.81, Interest $8.52, total $1,584.33 identical payment but 99.5% principal vs 1.5% in Month 1). Implement prepayment strategies: Extra Monthly Payments ($100-$500/month consistent additions go 100% to principal, automate via online banking "additional principal" field, verify application on next statement), Bi-weekly Payments (set up automatic $792 deduction every 2 weeks = 26 payments/year, results in 13th full payment annually, no lender permission needed for self-managed approach), Annual Lump Sum (apply tax refunds/bonuses/windfalls in early years for maximum impact, $10k in Year 1 saves 2.4x interest vs Year 10 due to compound prevention), Round-Up Strategy (round $1,584 payment → $1,600 for psychological "clean number" benefit + $16/month = $192/year extra principal), 1/12th Method (add 1/12 of monthly payment as extra each month = one free annual payment, $1,584 ÷ 12 = $132/month extra = $1,584 annual bonus principal). Evaluate prepayment decision framework: Good candidates for aggressive prepayment (high interest rate above 5-6%, stable 3-6 month emergency fund, maxing retirement contributions, no high-interest debt like credit cards 18-24%, risk-averse preference for guaranteed interest savings). Consider alternatives first if (low interest rate under 3-4%, limited emergency savings, high-interest debt outstanding, not maximizing tax-advantaged 401k/IRA/HSA, strong investment opportunities with 7-10% expected returns in diversified portfolio). Calculate refinancing break-even: Closing costs $5,000 ÷ monthly savings $200 = 25 months break-even. Refinance if staying 25+ months (2+ years). Consider 1-2% rate drop threshold, 5+ year stay timeline, switching 30yr→15yr term for total interest reduction, improved credit score since origination. Avoid common mistakes: Forgetting to specify "principal only" application (some lenders default extra to advance payments, wasting prepayment benefit), ignoring total interest cost (focusing on monthly payment leads to 30yr vs 15yr mistakes, doubling total interest for lower payment), neglecting opportunity cost (prepaying 3% mortgage while missing 8% 401k match = net loss, balance guaranteed savings vs potential investment returns), not tracking progress (annual amortization statement review provides motivation, seeing $50k equity gain after 5 years reinforces strategy). Apply technology tools: Online calculator modeling (adjust scenarios instantly, compare strategies side-by-side, print schedule for records), banking app automation (set recurring "additional principal" transfers, $100-$500 monthly automatic from checking), lender portal tracking (request updated amortization schedule annually, monitor balance reduction vs original projection, celebrate milestones like 50% LTV reached), spreadsheet modeling (create custom scenarios with variable prepayments by year, model income-driven increases, factor in tax deductions). Authority: Mortgage Bankers Association amortization standards, Federal Reserve consumer lending guidelines, CFPB mortgage disclosure rules, IRS Publication 936 (Home Mortgage Interest Deduction), Freddie Mac prepayment policies, industry-standard amortization formula M=P[r(1+r)^n]/[(1+r)^n-1] validated.

Calculate your 401(k) withdrawal strategy with tax implications, RMD requirements, and retirement income projections. Optimize withdrawals to minimize taxes and ensure your retirement savings last throughout your golden years.

Calculate CAGR (Compound Annual Growth Rate) and Money-Weighted Return for investment portfolios. Supports additional contributions (monthly/quarterly/annual) and flexible time periods. Compare your returns against benchmarks like S&P 500, bonds, and real estate. Get detailed performance interpretation and understand the difference between annualized vs. average returns.

Calculate Bitcoin mining profitability with hash rate analysis, electricity cost optimization, hardware ROI projections, and pool fee calculations. Estimate daily/monthly BTC earnings, break-even timeline, and total profit after electricity costs for ASIC miners in 2025 market conditions.

Calculate capitalization rate (cap rate) for real estate investments instantly. Enter property price, annual NOI, and operating expenses to determine investment profitability. Industry-standard 6-10% benchmarks for different property types. Essential tool for comparing commercial properties, REITs, and rental investments in 2025.

Free COBRA calculator for 18-month coverage costs. Compare COBRA (102% premium) vs ACA Marketplace with subsidies. Calculate total costs for 6/12/18 months, 60-day election deadline, and find the cheapest health insurance after job loss.

Calculate compound interest with our free investment calculator. See how your money grows over time with detailed charts. No signup required - get instant results for 2025!

Calculate your debt-to-asset ratio and compare against industry benchmarks. Track assets, debts, and equity with detailed financial analysis and risk assessment for businesses and individuals.

Calculate Front-End and Back-End Debt-to-Income (DTI) ratios to assess mortgage qualification for Conventional (28%/36%), FHA (31%/43%), VA (41%), and USDA (29%/41%) loans. Input all income sources (gross salary, bonuses, rental, other) and monthly debt obligations (housing, car, credit cards, student loans). Get instant loan approval analysis, DTI improvement strategies, and compensating factors for higher ratios. Understand what lenders see in your financial profile.

Calculate Employee Stock Purchase Plan (ESPP) returns with tax analysis, comparing qualifying vs disqualifying dispositions. Includes lookback provisions, 4 tax strategies, and annualized return projections for optimal decision-making.

Compare all 4 federal student loan income-driven repayment plans (IBR, PAYE, REPAYE, ICR). Calculate monthly payments based on your income, family size, and state poverty guidelines. See potential savings and forgiveness amounts for each plan.

Assess if you are living paycheck to paycheck and get a personalized financial stability score. Calculate savings gap, emergency fund months, debt-to-income ratio, and essential vs discretionary spending balance. Receive actionable steps to break the cycle with 2025 budgeting strategies, income optimization, and debt payoff plans.

Calculate whether buying mortgage points is worth it. Compare upfront cost vs monthly savings, break-even timeline, and total interest savings over loan term. Analyze 1-3 points scenarios for 15-year and 30-year mortgages at current rates.

Calculate Net Present Value (NPV) for investment decisions with multi-year cash flow projections, discount rate analysis, and IRR comparison. Evaluate capital projects, business acquisitions, and real estate investments using discounted cash flow methodology to determine if future returns exceed initial investment in 2025.

Calculate total net worth by tracking all assets and liabilities. Comprehensive wealth analysis with age-based benchmarks, financial health score, asset allocation breakdown, and personalized wealth-building strategies.

Calculate monthly and annual passive income from multiple streams including rental properties, dividend stocks, bonds, REITs, peer-to-peer lending, royalties, and online businesses. Input income sources, amounts, frequencies, and tax rates to see total passive income, tax-adjusted net income, financial independence ratio (passive income ÷ expenses), and years to FI goal. Supports 12+ income streams, compound growth projections (1-30 years), 4% safe withdrawal rule analysis, and portfolio diversification recommendations. Essential for FIRE planning, retirement income modeling, and wealth building strategies.

Free paycheck calculator with 2025 federal tax brackets, all 50 state taxes, FICA rates. Calculate take-home pay, net salary after taxes, 401k deductions. Compare states with no income tax. Updated for 2025 Social Security wage base ($176,100).

Calculate pension benefit estimates with years of service, final average salary, multiplier percentages, and COLA adjustments. Estimate monthly pension payments, annual income, replacement ratio, and total lifetime benefits for defined benefit plans including government, corporate, and union pensions in 2025.

Compare pension lump sum vs annuity payments with lifetime income analysis, breakeven age calculation, and survivor benefit evaluation. Calculate total payout, investment return requirements, inflation impact, and tax implications to determine optimal pension election for retirement security in 2025.

Calculate present value of annuity payments (ordinary annuity or annuity due). Determine lump sum equivalent of future payment streams for retirement planning, structured settlements, lottery winnings, or pension buyouts using appropriate discount rates.

Calculate mortgage refinance savings with break-even analysis, comparing current vs new loans. Includes cash-out scenarios, 8-year timeline projections, 7 rate scenarios, and lifetime interest savings to determine if refinancing makes financial sense.

Plan your retirement with our free calculator. Calculate how much you need to retire comfortably. Get personalized projections for 2025!

Assess retirement readiness with age-based savings benchmarks from Fidelity, Vanguard, and industry experts. Input current age (25-70), annual salary ($20k-$500k), and current retirement savings ($0-$10M) to see recommended savings targets (1x salary by 30, 3x by 40, 6x by 50, 10x by 67), gap analysis, monthly contribution recommendations, and projected retirement income replacement ratio (70-100%). Includes catch-up contribution guidance (50+), Social Security integration, 401(k)/IRA max limits (2025: $23,000+$7,500 catch-up), and 4% safe withdrawal rule analysis. Essential for retirement planning, financial health checkups, and course correction.

Calculate your Roth IRA conversion ladder strategy to access retirement funds before age 59½ penalty-free. Plan annual conversions from Traditional IRA/401k to Roth IRA with the 5-year waiting period. Essential tool for early retirement and FIRE planning with 2025 tax rates.

Calculate how long it takes to double your money with compound interest using the Rule of 72. Compare with exact formulas and analyze accuracy.

Calculate monthly savings needed to reach your financial goals. Includes timeline planning, interest rate impact, and strategies to accelerate your savings progress with detailed goal-tracking analysis.

Calculate SBA 7(a) loan fees, monthly payments, and total costs. 2025 guarantee fee structure: 0% up to $150K, 3% for $150K-$700K, 3.5% for $700K-$1M, 3.75% over $1M. Compare 7(a) vs 504 vs Express programs, estimate closing costs, and see complete fee breakdown with our free SBA loan calculator.

Calculate simple interest on loans, deposits, and investments using the formula I = P × R × T. Input principal amount ($100-$1M), annual interest rate (0.01-30%), and time period (days/months/years) to instantly see total interest earned/paid, final amount, monthly/annual breakdowns, and effective rate comparisons. Supports daily/monthly/annual compounding comparison, leap year adjustments, and exact day count methods (30/360 vs Actual/365). Essential for savings accounts, certificates of deposit (CDs), short-term loans, promissory notes, and interest-only loans. Compare simple vs compound interest growth over 1-30 years.

Calculate maximum Solo 401(k) contributions for self-employed individuals with 2025 limits ($23,500 employee + $7,500 catch-up + 25% employer). Compares sole proprietor, S-Corp, LLC structures, includes spouse contributions, tax savings analysis, and SEP IRA/SIMPLE IRA comparison.

Check your student loan forgiveness eligibility for 2025. Free calculator with updated Biden administration rules. Get instant results!

Compare current vs. refinanced student loan payments with break-even analysis. Calculate monthly savings, total interest reduction, and determine if refinancing makes sense based on 2025 rates (3.99-8.99% APR).

Identify wasted money on forgotten and unused subscriptions. Track all recurring charges, analyze usage frequency, and calculate potential savings. The average American wastes $32.84/month ($394/year) on subscriptions they don't use. Features: subscription waste analyzer, cost-per-use calculator, category benchmarks (2025 data), and actionable savings recommendations. Includes 2025 subscription statistics, top 10 most wasted subscriptions list, and 7 strategies to eliminate subscription waste.

Calculate your tithe (10% giving) based on gross or net income for Christian stewardship and charitable giving planning. Determine monthly, bi-weekly, and annual tithe amounts from salary, self-employment income, bonuses, and investment returns. Essential tool for faith-based budgeting and tax-deductible charitable donations. Compare pre-tax vs post-tax tithing methods. Includes 2025 tax deduction benefits, giving strategies for irregular income, and faith tradition guidelines (Protestant, Catholic, LDS tithing practices).

Calculate Washington DC net pay from gross salary with accurate 2025 tax withholding. Determine take-home pay after federal taxes, DC state income tax (4-10.75% brackets), FICA, and pre-tax deductions. Compare biweekly, semi-monthly, and monthly paycheck amounts.

Calculate working capital and liquidity ratios - Current Assets minus Current Liabilities with Current Ratio, Quick Ratio, Cash Ratio analysis. Includes working capital turnover, days working capital, industry benchmarks comparison, and cash conversion cycle optimization for business financial health assessment.

Calculate minimum working capital needs for business operations based on annual revenue ($50k-$50M), operating cycle (30-180 days), and industry benchmarks. Input revenue, cost of goods sold (COGS 30-80%), accounts receivable days (15-90), inventory turnover (2-20x), and accounts payable terms (15-60 days) to see required working capital, cash conversion cycle, optimal current ratio (1.5-3.0), and funding gap analysis. Model scenarios: seasonal businesses (retail 25-40% working capital), service companies (5-15%), manufacturing (15-25%), and growth-stage startups. Essential for business planning, loan applications, cash flow forecasting, and preventing cash crunches.

Calculate annuity payout amounts based on principal, interest rate, and payout period. Compare immediate vs deferred annuities, fixed vs variable options, and lifetime vs period-certain payouts for retirement income planning.

Calculate when you reach Coast FIRE - the point where you can stop saving for retirement and let compound interest do the work. Determine your Coast FI number based on target retirement age, current savings, and expected returns. Essential tool for semi-retirement planning, downshifting careers, or reducing work hours while maintaining retirement security. Compare Coast FIRE vs Traditional FIRE timelines. Includes 2025 calculations for ages 30-50 with various retirement targets from age 55-70.

Calculate how much to save monthly for college education with 529 plan projections and tuition inflation (3-5% annually). Determine savings needed based on college costs ($28k public, $60k private in 2025), student age, and expected investment returns to meet future education expenses.

Calculate debt payoff using the avalanche method targeting highest interest rates first. Compare total interest savings vs minimum payments, estimate payoff timeline, and optimize extra payment allocation across credit cards, student loans, auto loans, and personal debts. Includes 2025 average interest rates (18-29% credit cards, 5-15% personal loans), monthly payment schedules, and debt-free timeline projections.

Calculate savings from consolidating multiple debts into one loan. Compare current payments vs. consolidation loan terms. See monthly payment reduction, total interest savings, and payoff timeline changes. Evaluate personal loans, balance transfers, HELOC, and debt management options for credit cards, auto loans, and personal debts.

Calculate debt payoff using the snowball method paying smallest balance first. Build momentum with quick wins, compare payoff timeline vs avalanche method, and track psychological progress toward debt-free goals. Includes Dave Ramsey-style payment plans, motivation tracking, account closure timeline, and total interest comparison vs minimum payments for 2025.

Calculate your path to Financial Independence Retire Early (FIRE). Determine your FI number using the 4% safe withdrawal rule, years until retirement, required monthly savings, and current progress percentage. Compare Lean FIRE, Standard FIRE, and Fat FIRE targets based on your annual expenses and desired retirement lifestyle with 2025 tax and inflation considerations.

Calculate your path to financial independence and early retirement (FIRE). Determine your FI number, years to retirement, and required savings rate based on income, expenses, and current assets. Track progress with Coast FI, Lean FIRE, and Fat FIRE milestones. Includes 4% safe withdrawal rate analysis and compound growth projections through 2025-2050.

Calculate total investment returns including capital gains, dividends, and compound growth. Analyze annualized returns (CAGR), time-weighted returns, and dollar-weighted returns for stocks, bonds, mutual funds, and ETFs. Compare against S&P 500 benchmarks and account for fees, taxes, and inflation impact on real returns.

Create a debt-free plan using the Avalanche or Snowball method. Calculate payoff timeline, total interest, and see how extra payments accelerate your debt freedom. Compare strategies and track progress toward becoming debt-free in 2025.

Calculate your therapy practice productivity and billable utilization rate. Track clinical hours vs administrative time, determine revenue per hour, assess documentation efficiency, and compare against industry benchmarks. Optimize scheduling, reduce administrative burden, and maximize income for therapists, counselors, social workers, and mental health professionals.

Calculate your Body Mass Index (BMI) instantly with our easy-to-use calculator. Get personalized health insights, understand weight categories, and track your health journey with professional BMI analysis.

Calculate total healthcare costs including deductible, coinsurance, and out-of-pocket maximum. Estimate annual expenses, ACA premium subsidies (100-400% FPL), and HSA eligibility (HDHP requirements). Compare Bronze/Silver/Gold/Platinum plans, determine insurance vs patient payment split, and analyze low/moderate/high usage scenarios. Based on 2025 ACA limits ($9,450 individual / $18,900 family OOP max) and IRS HDHP requirements ($1,600/$3,200 min deductible).

Calculate Medicare Part B and Part D late enrollment penalties for 2025. Estimate lifetime penalty amounts based on months delayed past initial enrollment period. Determine if you qualify for penalty-free enrollment through creditable coverage, employer insurance, or special enrollment periods. Avoid costly mistakes with accurate penalty projections and enrollment deadline reminders.

Calculate when you reach your annual out-of-pocket maximum and understand total healthcare costs. Analyze ACA-compliant limits ($9,450 individual / $18,900 family for 2025), cost breakdown (premiums + deductible + coinsurance), and plan comparison (Bronze/Silver/Gold/Platinum metal tiers). Determine OOP max protection value, scenario analysis (low/moderate/high usage), and optimal plan selection based on expected medical expenses. Includes family vs individual OOP rules and mid-year plan change implications.

Calculate optimal protein intake for muscle building based on body weight, training intensity, and goals. Determine daily protein needs (0.8-1.2g per lb bodyweight), meal timing strategies, and best protein sources for maximum hypertrophy and strength gains in 2025.

Calculate sauna calories burned with accurate MET-based formula. Compare traditional Finnish sauna, infrared sauna, and steam room calorie burn (50-150 kcal per 30 minutes). Understand water weight vs fat loss reality.

Calculate sleep debt accumulated from insufficient sleep. Track daily sleep deficits (7-9 hours recommended), estimate total sleep debt over weeks, plan recovery schedules with weekend catch-up sleep, understand cognitive/health impacts of chronic debt, and optimize repayment strategies for 2025.

Calculate Total Daily Energy Expenditure (TDEE) based on BMR, activity level, and exercise frequency. Get personalized calorie targets for weight loss, maintenance, or muscle gain. Compare Mifflin-St Jeor and Harris-Benedict formulas with accurate macronutrient recommendations for 2025.

Calculate daily water intake based on body weight, activity level, and climate. Get personalized hydration goals in ounces or liters. Adjust for exercise, pregnancy, breastfeeding, and high temperatures. Track optimal fluid intake for health and performance in 2025.

Calculate business insurance coverage needs with revenue-based analysis, employee count assessment, and industry risk factors. Estimate costs for General Liability, Professional Liability, Workers Comp, Commercial Property, and BOP policies to protect your business from financial losses in 2025.

Estimate car insurance rates by zip code for 2025. Compare average premiums across different locations, coverage levels, and demographics. See how your zip code affects liability, collision, and comprehensive costs. Get personalized rate estimates based on local accident statistics, theft rates, and state minimums. Find the cheapest insurance providers in your area.

Calculate disability insurance coverage needs based on income, expenses, and existing benefits. Estimate monthly benefit amount, elimination period impact, and premium costs for short-term and long-term disability insurance to protect income if unable to work due to illness or injury in 2025.

Calculate life insurance income replacement needs based on salary, dependents, years of support needed, and existing coverage. Determine how much coverage will replace 70-80% of income for surviving family members. Accounts for Social Security survivor benefits, spouse income, inflation (2-3%), investment returns (4-6%), and debt payoff. Provides lump sum needed and annual payout analysis.

Calculate life insurance coverage needed based on income replacement (10-12x salary), debt payoff, education funding, and final expenses. Factor in existing coverage, savings, and Social Security survivor benefits for accurate protection planning.

Calculate long-term care insurance needs based on care costs ($4,500-$9,000/month for nursing homes), inflation protection, benefit period (2-5 years), and elimination period. Compare traditional LTC vs hybrid life/LTC policies.

Calculate 2025 Medicare IRMAA (Income-Related Monthly Adjustment Amount) surcharges for Part B and Part D based on Modified Adjusted Gross Income (MAGI). Input 2023 tax year MAGI, filing status (single/joint/married separate), and see monthly/annual surcharges, total Medicare premiums, income brackets ($103,000-$500,000+), and 2-year lookback explanation. Includes surcharge tiers (0-5), appeals process for life-changing events, provisional income calculations, and Social Security hold harmless provision analysis. Essential for retirement income planning and Medicare cost optimization.

Compare Medicare Supplement (Medigap) plans G, N, and F with premium cost analysis, coverage gap calculations, and out-of-pocket expense projections. Estimate total annual costs including premiums, deductibles, and copays to choose the best Medigap plan for your healthcare needs in 2025.

Calculate motorcycle insurance costs based on bike type, rider age, coverage level, and location. Compare liability-only vs full coverage premiums for sport bikes, cruisers, touring bikes, and dirt bikes. Essential tool for new riders and experienced motorcyclists. Includes 2025 average rates by state, age discounts (25+ and 50+ riders), and multi-policy savings. Estimate annual premiums ranging from $400-$3000+ based on your specific profile.

Calculate optimal term life insurance coverage using comprehensive needs analysis including income replacement (10x annual income rule), mortgage payoff, debt elimination, children's education funding ($100k+ per child), and emergency reserves. Compare 10/15/20/25/30-year term options with estimated premiums based on age, health, and coverage amount. Factors in spouse income offset, existing assets, employer-provided coverage, and Social Security survivor benefits. Shows coverage gap analysis, monthly premium estimates by term length ($50-200/month typical for $500k-1M coverage), and laddering strategies to reduce costs over time. Essential for parents, homeowners, and primary earners determining adequate protection while balancing affordability.

Calculate whole life insurance premiums, cash value growth, and death benefits. Compare whole life vs term life costs, analyze cash value accumulation over 10-30 years, and estimate policy loans. Free calculator with 2025 rates for $100K-$5M coverage.

Compare 2025 term life insurance rates by age, gender, and health class. See how much 10, 15, 20, 25, or 30-year term life insurance costs. Calculate monthly premiums for $100K to $5M coverage. Includes rate tables, age comparison charts, and term vs whole life comparison.

Calculate stock alpha (excess returns) and beta (market risk) for portfolio analysis. Compare against S&P 500 benchmark with risk-adjusted performance metrics. Evaluate fund managers and optimize portfolio allocation based on alpha/beta ratios in 2025.

Optimize investment portfolio allocation based on age, risk tolerance, and time horizon. Get personalized recommendations for stocks, bonds, cash, and alternatives. Compare current vs recommended allocation with rebalancing alerts using Rule of 110 and sample portfolios.

Calculate Bitcoin mining profitability based on hash rate, electricity costs ($0.05-$0.30/kWh), hardware efficiency, and BTC price. Determine daily/monthly mining revenue, break-even timeline, and ROI for ASIC miners (Antminer S19, Whatsminer M50) with 2025 difficulty and halving adjustments.

Build a bond ladder strategy with staggered maturity dates for steady income. Calculate cash flows, duration, and effective yields for 3-10 rungs. Compare ladder variations (traditional, barbell, bullet, CD) with example portfolios and rebalancing guidance.

Calculate carried interest (carry) for private equity, venture capital, and hedge funds using 2&20 or custom fee structures. Input fund size, returns, hurdle rate (6-8% preferred), catch-up provisions (100% GP until parity), and carry percentage (20% standard) to see GP vs LP profit split, carried interest amount, management fees (2% AUM), total GP compensation, IRR analysis, and waterfall distribution. Supports American (deal-by-deal) vs European (whole-fund) carry methods. Essential for GP compensation modeling, LP return projections, and fund economics understanding.

Calculate long-term growth from reinvesting dividends vs taking cash. Compare total value, dividend income growth, and compound returns over 10-30 years. Analyzes DRIP (Dividend Reinvestment Plan) impact with automatic share purchases, dividend growth rates (3-7% annually), and tax-deferred compounding. Shows breakeven point and optimal strategy for income vs growth investors.

Calculate basic EPS (net income ÷ shares outstanding) and diluted EPS (includes stock options, convertibles, warrants). Analyze EPS growth rate year-over-year (10-15% healthy), compare P/E ratios (S&P 500 avg 15-25x), and project forward EPS. Track quarterly EPS vs analyst estimates, calculate earnings surprises, and evaluate profitability per share. Understand primary EPS vs fully diluted EPS impact (5-15% difference typical).

Calculate cost basis for stocks with dividend reinvestment, splits, and multiple purchases. Track adjusted basis for accurate capital gains tax reporting. Support for FIFO, LIFO, and specific identification methods. Generate tax-ready reports for Schedule D filing in 2025.

Calculate Internal Rate of Return (IRR) for investment projects with multiple cash flows over time.

Calculate Weighted Average Cost of Capital (WACC) for business valuation and capital budgeting. Input cost of equity (CAPM), cost of debt, tax rate, and capital structure to determine minimum required return for investment decisions.

Calculate Return on Equity (ROE) to measure company profitability relative to shareholder equity. Compare against industry benchmarks (10-20% typical), analyze trends, and use DuPont decomposition for deeper insights.

Calculate payback period to determine how long it takes to recover an initial investment.

Calculate Parent PLUS loan payments, total interest, and repayment options for federal education loans. Compare standard 10-year vs extended 25-year repayment plans, estimate monthly payments based on 2025 interest rates (9.08% for Direct PLUS), and analyze total cost of borrowing for undergraduate and graduate students. Includes income-driven repayment (ICR) eligibility, consolidation options, and refinancing alternatives.

Calculate private student loan payments, compare interest rates, and estimate total repayment costs for undergraduate and graduate education. Analyze fixed vs variable rate loans from major lenders, determine monthly payments based on 2025 market rates (4.50%-14.99%), and compare private loans vs federal Direct/PLUS loans. Includes cosigner impact, refinancing options, and total interest paid over 5-20 year terms.

Compare auto loan refinancing options with break-even analysis, monthly payment calculations, and total interest savings projections to make informed refinancing decisions.

Calculate boat loan monthly payments for new and used boats, yachts, sailboats, and personal watercraft. Compare financing terms (5-20 years), interest rates (6-12%), down payment requirements (10-20%), and total loan costs including interest, fees, and insurance for marine financing in 2025.

Calculate Chase home equity loan and HELOC borrowing power for 2025. Estimate available equity based on home value, mortgage balance, and 80% LTV limit. Compare fixed-rate home equity loan vs variable HELOC rates. Get monthly payment estimates and closing cost breakdowns for Chase products.

Calculate commercial property loan payments, qualification requirements, and DSCR (Debt Service Coverage Ratio) for office, retail, industrial, and multifamily properties. Determine maximum loan amount based on property income, LTV ratios, and lender requirements with 2025 rates.

Calculate interest savings and payoff timeline with extra payments on mortgages, auto loans, student loans, and personal loans. Compare monthly extra payment vs one-time lump sum strategies, analyze total interest saved, and determine optimal payoff schedule to become debt-free faster while maximizing savings in 2025.

Calculate equipment loan and lease payments for business machinery, vehicles, technology, and manufacturing equipment. Compare financing options including capital leases, operating leases, equipment loans, and fair market value (FMV) leases with 2025 rates and tax deduction strategies.

Calculate 2025 FHA loan payments, mortgage insurance premiums (MIP), down payment requirements, and closing costs. Compare FHA vs conventional loans for credit scores 580-850, determine eligibility with debt-to-income ratios, and analyze total loan costs including upfront MIP (1.75%) and annual MIP (0.15-0.75%) for first-time homebuyers and low down payment scenarios.

Calculate hard money loan costs for real estate investments - fix-and-flip, bridge financing, and construction projects. Estimate total interest, points (2-5%), monthly payments, and all-in costs for 6-24 month terms. Compare hard money vs traditional financing with 8-15% rates and 65-75% LTV limits. Get accurate cash-to-close and exit strategy numbers for 2025.

Calculate your home equity percentage, usable borrowing amount, and loan-to-value (LTV) ratio with comprehensive 2025 lending standards. Input current home value (recent appraisal, Zillow/Redfin estimate, or comparative market analysis), total mortgage balance (all liens combined), monthly mortgage payment, interest rate, and home appreciation rate to determine: (1) Current equity amount and percentage (Home Value - Mortgage Balance), (2) LTV and CLTV ratios (critical for refinancing and second mortgage approval), (3) Maximum borrowable amount under 80% CLTV standard (conservative lender limit, typical for HELOCs and home equity loans) and 90% CLTV (aggressive lending, requires 750+ FICO score), (4) Monthly equity growth breakdown showing principal paydown from mortgage payments (e.g., $1,500 payment - $1,354 interest = $146 principal) and home appreciation contribution (3-5% annual average), (5) Future equity projections for 5-year and 10-year timelines accounting for compound appreciation and cumulative principal reduction. Displays usable equity for borrowing (not full equity, subtracts existing mortgage and safety margin), equity building pace (how quickly you gain $10k, $50k, $100k in equity), and optimal use scenarios (HELOC for renovations/ongoing expenses vs home equity loan for debt consolidation/one-time large purchases). Includes 80% vs 90% CLTV comparison (90% adds $20k-$50k borrowing power but higher interest rates and stricter approval), break-even analysis for cash-out refinance vs second lien (when to refinance entire mortgage vs keep low-rate first mortgage), and equity growth acceleration strategies (extra principal payments, home improvements adding value above cost, local market appreciation trends). Essential for homeowners planning renovations, debt consolidation, college funding, investment property down payments, or evaluating refinance timing. Shows realistic borrowing limits (lenders deny loans exceeding 85% CLTV even if equity exists), monthly equity accumulation timeline (reach 20% for PMI removal, 50% for reverse mortgage eligibility, 80% for maximum borrowing power), and 2025 rate environment impacts (9-10% HELOC rates vs 3-4% mortgage rates from 2020-2021 making second liens expensive). Critical for financial planning decisions: tap equity now at high rates vs wait for rate cuts, understand forced appreciation limits (renovations typically return 50-80% of cost in immediate equity), and avoid over-leveraging (keeping 20%+ equity cushion for market downturns).

Calculate whether to buy out your car lease at end of term or return the vehicle. Compare lease buyout price vs actual market value to identify equity opportunities or overpriced buyouts. Essential tool for lease-end decisions with 2025 market conditions. Evaluate financing options, negotiate buyout discounts, and analyze total cost of ownership. Includes residual value analysis, third-party buyout options, and equity extraction strategies for popular leases (Honda, Toyota, BMW, Mercedes).

Compare auto lease vs buy with total cost analysis, monthly payment comparison, equity/ownership tracking, mileage penalty calculations, and 5-year cost projections. Includes tax benefits, residual value analysis, and breakeven point calculator for cars, trucks, and SUVs in 2025.

Calculate loan origination fees, compare options, and analyze the true cost of borrowing with break-even analysis.

Calculate maximum mortgage amount you can afford based on income, debts, and down payment. Estimate home price range using 28/36 rule, DTI limits (43-50%), lender qualification standards, monthly payment caps, and property tax/insurance considerations for 2025.

Calculate true cost of merchant cash advance (MCA) financing for small businesses. Estimate total repayment, factor rates (1.1-1.5x), daily/weekly holdback percentages (5-20%), effective APR (40-350%), payback period, and compare MCA vs traditional business loans for 2025.

Calculate PenFed Credit Union mortgage payments, rates, and savings. Compare conventional loans (3% down, no PMI at 80% LTV), VA loans (0% down, no PMI), ARM options (5/5, 7/6), and jumbo loans. Estimate monthly P&I, property tax, insurance, and total costs for 2025.

Calculate HECM reverse mortgage proceeds with Principal Limit Factor (PLF), FHA MIP deductions, and payment options. Includes tenure payments, term payments, line of credit growth projections, set-aside requirements, and cost analysis for borrowers 62+ with comprehensive HUD compliance for 2025.

Calculate RV loan payments with up to 20-year financing terms for motorhomes, travel trailers, fifth wheels, and campers. Compare interest rates (5-9%), analyze total cost vs shorter terms, evaluate monthly payment affordability, and determine optimal loan structure for new and used RV purchases in 2025.

Calculate USAA mortgage payments, rates, and VA loan benefits. Compare conventional loans (3% down), VA loans (0% down, no PMI, 0% funding fee for disabled veterans), jumbo loans up to $2M, and refinance options. Estimate monthly P&I, property tax, insurance, and total costs for 2025.

Calculate VA cash-out refinance loan amounts, payments, and cash extraction for veterans and active military. Determine maximum cash-out based on 90% LTV limit, funding fee calculations (2.15%-3.3%), and break-even analysis with 2025 VA loan guidelines.

Calculate monthly payments for Adjustable Rate Mortgages (ARM) with changing interest rates.

Compare Home Equity Line of Credit (HELOC) with cash-out refinancing to determine the best option.

Calculate home equity loan payments, available equity, and LTV ratio. Compare borrowing options and estimate total interest costs for second mortgages.

Calculate mean (average), median (middle value), and mode (most frequent) for any data set. Input numbers separated by commas or spaces. Get instant results with step-by-step explanations, range, sum, and count. Handles decimals, negative numbers, and outliers. Perfect for statistics, data analysis, and homework in 2025.

Calculate percentages, percentage increase/decrease, percentage of a number, and percentage difference with multiple calculation modes. Solve "X is what percent of Y", "what is X% of Y", "X is Y% of what number", percentage change over time, and reverse percentage problems for math, finance, grades, discounts, and data analysis in 2025.

Free calculator for The Forge Roblox game. Calculate crafting costs, upgrade success rates, and trading profits. Optimize your gameplay with item tier analysis, material cost estimation, and market tax calculations.

Calculate return on investment (ROI) for trade school vs 4-year college. Compare total costs, graduation rates, time to degree, starting salaries, and lifetime earnings for electrician, plumber, HVAC, welding, nursing, and other skilled trades. Determine payback period and break-even point with 2025 tuition data and job market statistics.

Convert A1C (HbA1c) percentage to estimated average glucose (eAG) using ADA formula: eAG = 28.7 × A1C - 46.7. Input A1C value (4.0-15.0%) and instantly see eAG in mg/dL and mmol/L, diabetes risk category (Normal <5.7%, Prediabetes 5.7-6.4%, Diabetes ≥6.5%), target A1C recommendations, glucose reduction needed, and months to target. Includes 4 view modes: Calculator, Analysis (risk assessment), Ranges (ADA guidelines), and Guide (lifestyle management). Essential for diabetes monitoring, treatment adjustment, and blood sugar control optimization.

Accelerated Aging Calculator - Professional calculation tool.

Age-based allowance calculator using $1-per-year formula. Calculate weekly/monthly/yearly allowance by child age (4-18), include chore bonuses ($0.50/chore), adjust for regional cost of living (80-130%), apply 80/20 savings split, get age-appropriate chore lists, financial literacy milestones, hybrid chore-based vs unconditional allowance models, and transition strategies to teenage monthly budgets.

Calculate serum anion gap (AG) and albumin-corrected anion gap using Na⁺, Cl⁻, HCO₃⁻ electrolyte values. Formula: AG = Na - (Cl + HCO₃), normal range 8-12 mEq/L (traditional) or 3-11 mEq/L (modern without K⁺). Input sodium (135-145), chloride (96-106), bicarbonate (22-28), albumin (3.5-5.0 g/dL) and instantly see standard AG, corrected AG (adds 2.5 mEq/L per 1 g/dL albumin below 4.0), diagnostic category (Normal/High AG metabolic acidosis/Low AG), differential diagnosis (MUDPILES mnemonic), and compensation analysis. Essential for ICU/ER acid-base disorders, DKA, lactic acidosis, renal failure, and toxic ingestions.

Baby formula calculator by age using AAP 2.5 oz/lb guidelines. Calculate daily formula needs (max 32 oz), determine feeding frequency by age (8x newborn → 4x at 6+ months), compare formula costs (powder $0.12/oz vs concentrate $0.18/oz vs ready-to-feed $0.30/oz = $1,200/year savings), get safe preparation guides, water safety rules (boiling, Cronobacter prevention), storage times (2 hours room temp, 24 hours refrigerated), transition timeline (solids at 6 months, whole milk at 12 months), special formula options (soy/hypoallergenic), and WIC cost-saving strategies.

Calculate 2025 backdoor Roth IRA contributions: Convert $7,000 traditional IRA ($8,000 if 50+) to Roth via non-deductible contribution + immediate conversion. Estimate pro-rata tax rule impact (taxable portion = pre-tax IRA balance ÷ total IRA × conversion), conversion tax liability (ordinary income rate 10-37%), 5-year rule for qualified withdrawals. Ideal for high earners exceeding Roth income limits ($161k single, $240k married 2025). Avoid penalties, track Form 8606 (non-deductible basis), calculate break-even vs taxable account.

Calculate bitumen/asphalt quantities, material costs, and project expenses for paving (driveways, roads, parking lots) and roofing applications. Input area dimensions (feet/meters), thickness (inches/mm), select from 5 bitumen grades (Pen 40/50 to MC-30), adjust waste factor (5-25%), and get instant breakdowns: bitumen weight (tons/kg), aggregate weight, mix composition (5-8% bitumen, 92-95% aggregate), coverage rates (sq ft per ton), labor costs ($20-25/m²), equipment costs, and total project budget. Compare paving vs. roofing applications with industry-standard densities (2200-2400 kg/m³) for accurate 2025 material estimates.

Calculate your personalized body recomposition plan for simultaneous fat loss and muscle gain. Get precise macros, timeline projections, and science-based recommendations for transforming your physique without traditional bulking or cutting cycles.

Calculate albumin-corrected calcium to assess true calcium status in hypoalbuminemia. Formula: Corrected Ca = Measured Ca + 0.8 × (4.0 - Albumin g/dL). Input serum calcium (8.5-10.5 mg/dL), albumin (3.5-5.0 g/dL), and optionally ionized calcium (4.5-5.5 mg/dL) to instantly see corrected total calcium, ionized fraction estimate, diagnostic category (Hypocalcemia <8.5, Normal 8.5-10.5, Hypercalcemia >10.5), PTH relationship, and clinical significance. Essential for ICU/critical illness, cirrhosis, nephrotic syndrome, malnutrition, and cancer patients where low albumin falsely lowers total calcium but ionized calcium (active form) remains normal.

Calculate vehicle depreciation by make and model using actual market data and industry depreciation rates. Estimate your car's current value, future value after 1-10 years, annual depreciation percentage, and total value loss. Compare new vs used purchase costs, lease vs buy scenarios, and determine optimal selling time to minimize depreciation losses with 2025 market trends.

Calculate 2025 car lease buyout cost: residual value ($15k-35k typical 36-month lease) + buyout fee ($350-750) + sales tax (varies by state). Compare buyout vs market value using Kelley Blue Book/Edmunds (10-15% equity possible if under-mileage). Analyze financing options: manufacturer captive 5.9-8.9% APR vs credit union 4.5-7.5% for used auto loans. Account for early buyout discount (1-5% residual reduction months 30-36), lease-end wear charges avoided ($500-2,000), remaining warranty value. Calculate total ownership cost vs returning + buying used/new.

Compare total cost of leasing vs buying a car over 3-5 years. Calculate monthly lease payments ($200-600/month typical), purchase loan payments, maintenance costs (lease $500/year vs buy $1,200/year), insurance differences (lease 10-20% higher), mileage penalties ($0.15-0.30/mile over limit), lease-end fees ($400-600), and opportunity cost. Analyze break-even scenarios, equity building, and long-term ownership (10+ years favors buying). Factor in down payment, interest rates, residual value, and depreciation (60-70% in 5 years).

Estimate classic car market value (1920-2000 models) based on 8 key factors: make/model (Chevrolet Corvette $85K base, Porsche 911 $125K, Plymouth Cuda $110K, 20+ iconic models), condition rating (Concours 1.5x, Excellent 1.2x, Good 1.0x, Fair 0.6x, Project 0.3x), mileage impact (<10K miles +15%, >150K -30%), originality percentage (100% original +15%, 0% original -15%), modifications effect (period-correct -5%, extensive custom -40%), documentation level (full history/build sheet +15%, title only -8%), and market trend adjustment (-30% to +30%). Get instant valuation range (low/high estimates ±15%), detailed value breakdown showing all multipliers, 5-year appreciation forecast (5-7% annually for excellent condition), and comparison vs auction results. Covers American muscle cars, European sports cars, and pre-war classics with accurate 2025 market data.

Calculate weighted college GPA using 4.0/5.0 scales with letter grade conversion (A+ to F). Input courses with credit hours (1-6), grade points (A=4.0, A-=3.7, B+=3.3), and weight multipliers for honors (×1.0), AP/IB (×1.0-1.3), or college prep (×0.85-1.0). Compare cumulative GPA, semester GPA, major GPA, and transfer credit calculations. Includes grade point averages for merit scholarships (3.5+ GPA), dean's list (3.5-3.75), and Latin honors (3.7+ cum laude).

Calculate 2025 college ROI (Return on Investment) by major: STEM degrees 8-15 year payback (Engineering $75k-90k starting, 40yr earnings $3.2M-4.5M), Business 10-18 years ($55k-70k start, $2.5M-3.8M lifetime), Humanities 18-never ($35k-45k start, $1.8M-2.4M lifetime). Compare 4-year cost ($120k-280k public/private) vs lifetime premium over high school diploma ($1.2M avg). Factor in loans (6.5% federal rate 2025), opportunity cost (4 years lost wages $120k-160k), graduate school boost ($500k-1.2M additional). Analyze alternative ROI: trade school 2-3yr payback, coding bootcamp 1-2yr, apprenticeship immediate earnings.

Plan for college education with inflation-adjusted cost projections, 529 plan tax benefit analysis, and monthly savings recommendations. Calculate 4-year total costs for public in-state ($115k), out-of-state ($190k), or private ($241k) colleges. Track savings progress, get required monthly contributions to meet goals, and estimate state tax deductions plus federal tax-free growth benefits. Based on College Board 2024-2025 data and 1/3-1/3-1/3 funding strategy for 2025.

Calculate 2025 concrete volume and cost: Estimate cubic yards for slabs (length × width × depth ÷ 27), driveways, footings, columns, stairs. Convert inches to feet, account for waste (5-10% extra), calculate bags needed (80-lb yields 0.6 cu ft, 60-lb yields 0.45 cu ft). Estimate ready-mix cost ($125-150/yd³ delivered), labor ($2-8/sq ft), rebar ($0.75/sq ft), finishing ($3-15/sq ft). Plus driveway calculator (4-6" thick), patio calculator, foundation calculator.

Calculate concrete project costs including materials ($100-$150/cubic yard), labor ($50-$75/hour), forms, rebar, and finishing. Estimate costs for driveways, patios, foundations, and sidewalks with regional price adjustments.

Calculate consulting hourly rate based on desired annual income, billable hours (1,000-1,500/year), overhead costs, and profit margin. Compare project-based vs hourly pricing and value-based pricing strategies for consultants.

Diaper cost calculator from birth to potty training (30 months). Compare disposable vs cloth diapers, calculate monthly/yearly expenses by brand tier (budget $0.18/diaper vs premium $0.35), analyze break-even point (8-14 months), estimate total costs ($1,290-2,520 disposable vs $1,390 cloth), track environmental impact (7,000 diapers = 3,500 lbs landfill), optimize laundry frequency (3-7x/week), find bulk savings (Costco 40% off), and plan potty training timeline (24-36 months).

Calculate discount percentages, sale prices, and savings amounts with percentage-off analysis, original price calculation, and multi-discount stacking. Determine final price after single or multiple discounts, calculate discount rate from prices, and analyze total savings for retail shopping, business pricing, and promotional offers in 2025.

Calculate enterprise value and intrinsic stock price using DCF valuation model with 5-10 year free cash flow projections, terminal value (Gordon Growth Model or Exit Multiple), WACC discount rate, and sensitivity analysis for investment decisions and M&A valuations in 2025.

Calculate tax benefits and granting strategies for Donor Advised Funds (DAF). Analyzes cash vs appreciated stock donations, immediate vs bunching deductions, capital gains tax avoidance, and multi-year grant projections with investment growth. Compares DAF giving to direct donations showing total tax benefit and effective cost of giving.

Calculate DoorDash driver earnings after expenses and taxes. Estimate hourly net pay from base pay ($2-10/order), customer tips (15-20% avg), peak pay bonuses ($1-5/order), and challenges. Deduct gas ($0.30-0.60/mile), car depreciation ($0.20/mile), insurance ($100-300/mo), self-employment tax (15.3%), and income tax. Compare active time vs dash time, and optimize 2025 delivery strategy.

Calculate DuPont Analysis to decompose ROE into profit margin, asset turnover, and financial leverage. Identify which factors drive return on equity and compare performance across companies or time periods for investment analysis.

Calculate EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) from financial statements. Adjust for one-time expenses, owner compensation, and non-recurring items for accurate business valuation and comparison.

Calculate the optimal order quantity (EOQ) to minimize total inventory costs using the Economic Order Quantity model. Input annual demand (units/year), ordering cost per order ($50-$500 setup fees, shipping, processing), and holding cost per unit per year (storage, insurance, obsolescence, typically 15-35% of item value). The EOQ formula √((2 × Annual Demand × Ordering Cost) / Holding Cost) determines the ideal order size that balances ordering costs (more frequent small orders = higher) and holding costs (large infrequent orders = higher storage). Includes reorder point calculation ((Demand ÷ 365) × Lead Time Days + Safety Stock) to prevent stockouts, safety stock buffer based on demand variability (standard deviation) and service level (95%/99% in-stock probability), and total cost analysis showing the split between ordering costs ((Annual Demand ÷ EOQ) × Ordering Cost per Order) and holding costs ((EOQ ÷ 2) × Holding Cost per Unit). Displays orders per year (Annual Demand ÷ EOQ), days between orders (365 ÷ Orders per Year), and Z-score calculations for safety stock (Z × σ × √Lead Time). Essential for inventory managers, supply chain professionals, manufacturers, retailers, wholesalers optimizing stock levels, e-commerce businesses managing warehouse costs, and procurement teams reducing total logistics expenses while maintaining service levels.

Calculate lifetime electric vehicle savings vs gas cars for 2025. Compare total ownership costs: purchase price, federal tax credit ($7,500 new/$4,000 used), electricity ($0.15/kWh avg) vs gas ($3.50/gal), maintenance (50% less EV - no oil changes), insurance, depreciation, and 5/10/15-year break-even analysis. Includes Tesla Model 3, Chevy Bolt, Nissan Leaf, Ford F-150 Lightning comparisons.

Calculate your ideal emergency fund based on income, expenses, and job stability. Get personalized recommendations for 3-12 months of expenses with milestone tracking.

Calculate FSA rollover amount, use-it-or-lose-it risk, and optimal spending strategy. Understand 2025 IRS limits ($3,200 healthcare / $5,000 dependent care), $640 carryover maximum, 2.5-month grace period rules, and forfeiture prevention. Compare rollover policies (none/carryover/grace period), calculate monthly spending targets, tax savings (29.65% rate), and eligible expenses. Includes Dependent Care FSA special rules (no rollover allowed) and Qualifying Life Event (QLE) mid-year election change requirements.

Calculate total gas cost for road trips with multiple stops in 2025. Input trip distance (50-5,000 miles), vehicle MPG (10-50), gas price ($2.50-$6.00/gallon), and number of stops (1-20 destinations). Accounts for city vs highway MPG differences (15-30% variation), detour mileage (+10-50%), idle fuel consumption (0.2-0.5 gal/hr at rest stops), and elevation changes (mountain routes -20% MPG). Compare sedan (30 MPG), SUV (22 MPG), truck (18 MPG), and EV equivalent costs.

Calculate estimated Glomerular Filtration Rate (eGFR) using MDRD and CKD-EPI formulas. Diagnose chronic kidney disease (CKD) stages G1-G5 per KDIGO 2012 classification. Input age, gender, race, and serum creatinine (mg/dL or μmol/L) to estimate kidney function. Compare MDRD (accurate for GFR < 60, diabetic nephropathy) vs CKD-EPI (preferred 2021 NKF/ASN, accurate for GFR > 60). Includes CKD stage reference table, nephrology referral guidelines, GFR testing frequency, race-free 2021 equation update, and limitations (acute kidney injury, extremes of body size/muscle mass, pregnancy). Supports both Black/non-Black race coefficients.

Calculate total graduate school costs including tuition, living expenses, books, transportation, and opportunity cost. Estimate financial aid (assistantships, scholarships, loans), break-even years, and 30-year career ROI. Compare Masters ($25k-$50k/year, 2 years), Ph.D. ($30k-$60k/year, 4-6 years), and Professional degrees (MBA/JD/MD, $40k-$80k/year, 2-4 years) for 2025.

Calculate 2025 graduate school ROI: Master's degree costs $30k-120k (2 years), Ph.D. $60k-200k (5-7 years), MBA $80k-200k (2 years), vs lifetime earnings premium ($400k-$1.2M for Master's, $800k-$2M for Ph.D.). Estimate tuition, living expenses, opportunity cost (2-7 years lost wages $80k-$350k), loans (6.5-8% interest), break-even period (5-15 years post-graduation). Compare by field: STEM ROI 150-300%, Business 80-200%, Humanities 20-80%. Factor in scholarships, assistantships, employer sponsorship.

Calculate interest rate cap premiums and protection costs for commercial floating-rate loans (SOFR/LIBOR-indexed). Input loan amount ($1M-$50M), term (1-10 years), cap strike rate (2-10%), current reference rate (SOFR 0-8%), loan spread (0.5-5%), and rate volatility (10-50%) to estimate upfront cap premium using Black-Scholes caplet pricing model. Get instant breakdown: premium in dollars/basis points/percentage, break-even rate analysis, capped vs uncapped payment scenarios, 5-year cost comparison vs fixed-rate alternative, and rate rise scenario table showing cap payments at +1%, +2%, +3% rate increases. Essential tool for commercial real estate borrowers, corporate treasury teams, and CFOs managing interest rate risk on $5M+ variable-rate debt in 2025 rising-rate environment.

Compare professional movers vs DIY rental costs for local and long-distance moves. Calculate moving expenses based on home size (studio-4BR), distance, packing services (+45%), storage ($150-300/month), special items (piano $400, pool table $350, hot tub $600, safe $250), stairs surcharge ($75/flight), and seasonal pricing (peak May-Sept +20%). Includes time estimates (professional 1-14 days vs DIY 2-21 days), cost breakdown showing 40-60% DIY savings, hidden costs analysis ($1,520-5,450 total), insurance options (released value $0.60/lb vs full protection $200-500), tipping guidelines ($20-75/person), and 7 cost reduction strategies. Features comprehensive tables for local moves ($360-1,620), long-distance 500mi ($2,000-4,500), and cross-country 2,500mi ($6,000-13,500). Educational content covers professional vs DIY pros/cons, peak vs off-peak season timing, advance booking (8-12 weeks saves 15-30%), decluttering (30-50% belongings), mid-week/mid-month scheduling (20-40% cheaper), consolidated LTL shipping (40-60% cheaper), and negotiation strategies (10-20% room). Orange-Amber-Yellow gradient design with side-by-side comparison cards.

Calculate Net Unrealized Appreciation (NUA) tax benefits for employer stock in 401(k). Analyzes lump-sum distribution strategy: pay ordinary income tax on cost basis only (10-37%), then long-term capital gains on appreciation (0-20% + 3.8% NIIT) upon sale. Compares NUA vs IRA rollover (all taxed ordinary income), calculates total tax savings, and optimal distribution timing for maximum benefit.

Compare pension payout options with single-life annuity plus life insurance vs joint-and-survivor annuity for married couples. Calculate net income, survivor benefits, insurance premiums, and total lifetime payouts to determine optimal pension election strategy for maximum wealth transfer in 2025.

Twin pregnancy weight gain calculator based on IOM 2009 guidelines. Calculate recommended weight gain by BMI category (underweight 50-62 lbs, normal 37-54 lbs, overweight 31-50 lbs, obese 25-42 lbs), track weekly progress, monitor trimester-specific goals, assess nutritional needs (+600 cal/day, 150-175g protein), evaluate TTTS/preterm birth risks, and compare monochorionic vs dichorionic twins with evidence-based recommendations.

Calculate optimal daily protein intake for muscle growth based on body weight, training intensity, and goals. Recommends 0.7-1.0g/lb bodyweight (1.6-2.2g/kg) for muscle gain, analyzes protein timing (pre/post-workout windows), meal distribution (4-6 meals), leucine threshold (2-3g per meal), and protein sources (whey/casein/whole foods) for maximum muscle protein synthesis.

Calculate tax savings from Qualified Charitable Distributions (QCD) for IRA owners 70½+. QCD up to $105,000/year (2025) transfers directly from IRA to charity, satisfies RMD without increasing taxable income, avoids Medicare IRMAA surcharges, prevents Social Security taxation threshold breaches, and beats standard deduction for non-itemizers. Compares QCD vs regular withdrawal + donation strategies.

Convert SAT to ACT scores in 2025: Official concordance table maps SAT 1600-point scale to ACT 36-point composite. SAT 1570-1600 = ACT 36, SAT 1500-1560 = ACT 34, SAT 1400-1450 = ACT 31, SAT 1200-1220 = ACT 24 (national average). Estimate college admissions competitiveness, scholarship eligibility (merit-based thresholds), test retake strategy (target score gaps). Plus section score conversion (Math, Reading/Writing → ACT English, Math, Reading, Science), percentile ranking comparison (99th, 90th, 75th percentile).

Calculate scholarship award probability for 2025-2026 based on GPA (weighted/unweighted 2.0-4.0+), test scores (SAT 400-1600/ACT 1-36), demographics, extracurriculars. Estimate Expected Family Contribution (EFC) using FAFSA methodology (income, assets, family size) to predict merit-based ($500-full tuition) vs need-based aid ($1,000-$20,000/year) eligibility at 4,000+ colleges.

Calculate healthy screen time for kids in 2025 (AAP guidelines): Ages 0-18 months (0 hours except video chat), 2-5 years (1 hour/day high-quality), 6-12 years (1-2 hours/day), teens 13-18 (2-3 hours/day max). Estimate daily/weekly/monthly totals, break down by device (phone, tablet, TV, computer, gaming), identify excessive use (>4 hours = obesity/sleep risk), schedule screen-free zones (meals, bedtime 1 hour before sleep), balance with physical activity (60 min/day), track homework vs entertainment time.

Free 72(t) SEPP calculator for penalty-free early IRA withdrawals. Compare all 3 IRS-approved methods: RMD, Fixed Amortization, Fixed Annuitization. Calculate your substantially equal periodic payments before age 59½.

Convert daily steps to miles and kilometers with personalized stride length. Calculate distance for 10,000 steps (4-5 miles avg), estimate calories burned (300-500 cal), track fitness goals, and compare walking vs running stride (20-30% difference). Input height (4'10"-6'5") or measure custom stride (men 2.5 ft avg, women 2.2 ft) for accurate 2025 pedometer conversions.

Calculate TDEE (Total Daily Energy Expenditure) using Mifflin-St Jeor equation with activity multipliers. Determine calories needed for weight loss (-500 cal/day), maintenance, or muscle gain (+300 cal/day) based on your goals.

Calculate restaurant tips with customizable percentages (10-25%), split bills among 2-20 people, and see per-person totals instantly. Input bill amount, tip percentage, and party size to get total tip, final bill, and individual share breakdowns. Includes pre-set tip options (15%, 18%, 20%), custom percentage input, rounding options, and international tipping etiquette guide (US 15-20%, Europe 5-10% service compris). Essential for dining out, group meals, delivery orders, and service gratuity calculations. Supports currency formatting and tax-exclusive/inclusive calculations.

Calculate tire size compatibility for 2025 vehicles: Compare P-metric (P215/65R15), LT-metric (LT245/75R16), and Euro-metric (225/45R17) tire dimensions. Convert tire width (mm to inches), aspect ratio (sidewall height %), rim diameter (13-24 inches), overall diameter (24-35 inches), circumference, and revolutions per mile. Estimate speedometer error (±3% safe range), ground clearance change, compatibility with TPMS, rubbing risk. Plus-size calculator (+1, +2, +3 sizing), winter tire fitment guide.

Calculate daily water intake based on body weight (0.5-1 oz per pound), activity level, climate, and health conditions. Adjust for exercise (+16-24 oz per hour), caffeine consumption, and pregnancy/breastfeeding needs.

Plan your dream wedding within budget with 12 expense categories tracked in real-time. Follow the 45-12-8 allocation framework (45% venue/catering, 12% photography, 8% attire/flowers/music). Get per-guest cost analysis, budget overrun alerts, and proven strategies to cut costs 30-40% without sacrificing style. Based on 10,000+ real wedding budgets analyzed by The Knot and WeddingWire for 2025.

Calculate what percentage of the population meets your dating criteria with our viral Dating Standards Calculator. Based on US Census data, this tool shows your realistic dating pool size. Input height, income, education, fitness, and other preferences to see your delusion score.

Find out how much house you can afford. Free mortgage calculator with taxes, insurance, and HOA fees. Get your buying power estimate now!

Calculate tax deferral benefits for 1031 like-kind exchanges with detailed boot analysis, deadline tracking, and property comparison tools for investment real estate.

Calculate Airbnb hosting profit with complete revenue and expense tracking. Analyze occupancy rates (40-75%), Airbnb fees (3% host + 14% guest), operating costs, and ROI. Get profit margin benchmarks (20-35% mortgaged, 40-60% owned) with detailed financial projections.

Calculate Austin TX property taxes based on appraised value and tax rates for 2025. Includes Travis, Williamson, and Hays county rates with homestead exemptions. Get accurate annual tax estimates and compare neighborhoods with school district breakdowns.

Estimate bathroom renovation costs for 2025 with material, labor, and fixture breakdowns. Calculate budget for small, medium, or luxury remodels. Compare DIY vs contractor pricing. Get ROI analysis and cost-per-square-foot estimates for master bath, guest bath, and powder room upgrades.

Free bridge loan calculator for home buyers. Calculate bridge financing costs, interest-only vs amortized payments, and total costs with 10-13% APR. Compare bridge mortgage options, qualification requirements, and 6-12 month financing scenarios.

Calculate BRRRR strategy returns - Buy, Rehab, Rent, Refinance, Repeat. Estimate cash-on-cash return, equity capture, and infinite ROI. Analyze renovation costs, ARV (After Repair Value), cash-out refinance proceeds, and rental cash flow. Plan real estate investment scaling with repeatable equity extraction in 2025.

Calculate BRRRR strategy returns: Buy, Rehab, Rent, Refinance, Repeat. Estimate purchase price, rehab costs (15-30% of ARV), rental income, cash-out refinance at 75% ARV, cash recycling, infinite ROI potential, and total portfolio scaling for 2025 real estate investing.

Calculate cash-on-cash (CoC) return for real estate investments: Annual Pre-Tax Cash Flow ÷ Total Cash Invested × 100. Input property price, down payment (20-25%), closing costs (2-5%), renovation budget, monthly rental income, operating expenses (30-50% of rent), mortgage details to instantly see CoC%, annual cash flow, ROI comparison vs cap rate and IRR, break-even analysis, and 5-year cash flow projection. Good CoC: 8-12% (conservative), 12-15% (value-add), 15%+ (aggressive/BRRRR). Essential for rental property analysis, fix-and-flip evaluation, and syndication underwriting.

Calculate commercial property rent for office, retail, industrial, and warehouse spaces. Estimate monthly and annual rent per square foot with NNN (triple net), modified gross, and full-service lease structures. Compare CAM charges, property taxes, insurance, and operating expenses. Get market rates and tenant cost projections for 2025.

Free cost segregation calculator for commercial real estate. Calculate accelerated depreciation tax savings with 2025 bonus rates (40%). Reclassify 39-year property to 5/7/15-year classes. ROI analysis for engineering studies.

Calculate divorce home buyout amount and refinance requirements. Estimate equity split (50/50 or per agreement), buyout cost, refinance qualification (debt-to-income, credit score), closing costs, tax implications, and cash-out refinance vs separate financing for 2025.

Comprehensive down payment assistance (DPA) calculator matching first-time homebuyers with 2,500+ federal, state, and local assistance programs in 2025. Calculate exact DPA eligibility based on income limits (80-120% Area Median Income thresholds), credit score requirements (580-740 ranges across FHA/VA/Conventional programs), home price caps (FHA loan limits $498,257 standard areas, $1,149,825 high-cost markets like LA/SF/NYC), and first-time buyer status (defined as no home ownership in past 3 years, with veteran/teacher/first responder exceptions). Model 6 major assistance program types: (1) Grants - free money requiring no repayment ($2,500-$15,000 typical, up to $150,000 California CalHFA Dream For All 20% grants), forgiven after 3-5 years primary residence occupancy with pro-rated repayment if leaving early (example: $10k grant with 5-year requirement, leave year 3 = repay $4k remaining). (2) Forgivable Loans - loans forgiven incrementally over 5-10 years (example: $15k loan forgiven at 1/5 = $3k per year, $0 balance after 5 years, early sale year 3 = repay $6k remaining balance). (3) Deferred Payment Loans - 0% interest second mortgages due only when selling/refinancing/paying off first mortgage with no monthly payments (example: Chicago CityKey $12k deferred loan, sell after 7 years for $50k profit = repay $12k from sale proceeds). (4) Low-Interest Second Mortgages - 1-3% rate loans vs market 7-8% (example: $10k at 2% over 10 years = $92/month payment). (5) Matched Savings (IDA) - government matches your savings 2:1 or 4:1 after 6-18 months disciplined saving. (6) Employer Assistance Programs - corporate relocation packages or workforce housing initiatives ($5-25k, often requiring 2-5 year service commitment). Calculate FHA loan combinations - pair 3.5% down FHA loan with state/local DPA grants to cover entire down payment (example: $250k home with 3.5% = $8,750 down, use $8k state grant + $750 cash + $6k seller concessions for closing costs = $750 total out-of-pocket plus $3k closing costs after concessions). VA loan zero-down stacking - combine 0% down VA benefit with DPA grants for closing costs (example: $300k VA purchase, $0 down required, use $5k DPA grant + $4k seller concession to cover $6k closing costs = theoretically $0 out of pocket, though most lenders require $1-2k reserves). Analyze DTI qualification - front-end housing ratio ≤28% of gross monthly income, back-end total debt ratio ≤36-45% depending on compensating factors (higher credit scores, larger down payments, cash reserves allow DTI up to 50% in some programs). Calculate savings timeline - determine months to save additional down payment needed based on monthly savings capacity (example: need $15k down payment, have $5k saved, save $500/month = 20 months to goal, or apply for $10k DPA grant to reduce timeline to immediate). Model combined program stacking - layer multiple assistance sources from different agencies (example: Texas first-time buyer stacks $10k state grant + $5k county program + 3% seller concession on $250k home = $17.5k total assistance covering 7% down payment, buyer needs only 3% = $7.5k cash). Average DPA recipient profile (2025): $17,766 assistance amount nationally, 89% first-time buyers, 68% use FHA loans, 47% household income $50-80k range, 72% credit scores 640-740, 83% purchase price $200-400k.

Calculate Debt Service Coverage Ratio (DSCR) for investment property loans. Determine if rental income covers mortgage payments. DSCR = NOI ÷ Annual Debt Service. Lenders require 1.20-1.25+ DSCR. Estimate max loan amount based on cash flow, qualification without personal income, and 2025 DSCR loan rates.

Calculate affordability and costs for first-time home buyers in 2025. Estimate down payment requirements (3-20%), closing costs (2-5%), monthly payments with PMI, and total cash needed. Compare FHA, conventional, VA, and USDA loan options. Includes first-time buyer programs, down payment assistance eligibility, and debt-to-income ratio analysis.

Calculate Gross Rent Multiplier (GRM) for rental property valuation. Determine fair market value using annual rent, compare GRM across properties (4-15 typical range), evaluate investment opportunities, analyze market trends by location, and estimate property value for 2025.

Calculate hard money loan costs, payments, and fix-and-flip ROI. Analyzes loan terms (9-15% interest, 2-5 points, 6-24 months), LTV/LTC ratios (65-75%), monthly carrying costs, total loan cost including fees, project profitability, and annualized ROI. Compares multiple lenders and scenarios for real estate investment financing.

Calculate HELOC payments for draw period (interest-only) and repayment period (principal + interest) with payment shock analysis. Includes credit limit calculator (80-90% CLTV), combined LTV ratio, amortization schedules, closing costs, and interest rate scenarios for home equity lines of credit in 2025.

Calculate raw land and lot loan payments with higher down payment requirements (20-50%), elevated interest rates (+1-2% above mortgages), and shorter terms (15-20 years). Compare improved vs unimproved land financing costs, total interest paid, and monthly payment obligations for acreage purchases in 2025.

Calculate IRC Section 1031 like-kind exchange tax deferral with boot analysis, adjusted basis tracking, depreciation recapture deferral, and replacement property requirements. Includes 45-day identification rules, 180-day closing deadlines, and qualified intermediary cost calculations for real estate exchanges in 2025.

Calculate rent vs buy decision for NYC real estate. Compare 5-year/10-year total costs, analyze monthly rent ($2,500-6,000+) vs mortgage payments, property taxes (1.925% NYC avg), co-op/condo fees ($500-1,500/mo), mansion tax (1-3.9%), broker fees (15% annual rent), opportunity cost analysis, break-even timeline (7-10 years NYC avg), and equity buildup potential for 2025 Manhattan/Brooklyn/Queens markets.

Calculate seller-financed real estate deals with amortization schedules, balloon payments, and total interest costs. Compare buyer vs seller scenarios, analyze cash flow timing, tax implications, and risk assessment for owner-carry financing transactions in 2025.

Calculate rent-to-price ratio to evaluate whether buying or renting is more cost-effective.

Calculate Debt Service Coverage Ratio for real estate investments and commercial loans. Determine if your property income covers debt payments.

Calculate cash-on-cash return, cap rate, and total ROI for rental property investments. Analyze income, expenses, and financing.

Calculate capitalization rate, property value, and NOI for real estate investments. Compare against market benchmarks by property type.

Plan 457(b) retirement withdrawals with tax optimization strategies, early withdrawal analysis, and income projections for government and non-profit employees.

Calculate 529 education savings plan projections with tax benefits, growth analysis, and college cost planning for multiple children.

Calculate state tax deductions and credits for 529 college savings plan contributions across all 50 states. Input annual contribution amount, select your state, and instantly see deduction limits ($1,000-$10,000 single, $2,000-$30,000 joint, or unlimited in 7 states), tax savings, federal gift tax benefits ($18,000 annual exclusion, $90,000 superfunding), and effective contribution cost. Compare states with deductions (35 states) vs credits (7 states) vs no benefit (8 states). Essential for education savings planning with state-specific limits, carryforward rules, and 5-year projections.

Calculate Alternative Minimum Tax (AMT) liability for 2025 with AMTI adjustments, exemption phase-outs, and AMT vs regular tax comparison. Estimate AMT exposure from ISO exercises, state tax deductions, depreciation preferences, and other add-backs to determine if you owe additional tax under the parallel AMT system.

Calculate Backdoor Roth IRA conversions with pro-rata tax analysis for high earners. Includes 4 execution strategies, 5-step implementation guide, multi-year projections, spousal contributions, and Form 8606 reporting for MAGI >$161,000 (single) or >$240,000 (married) using 2025 limits.

Calculate 2025 bonus depreciation deductions with 80% phase-down rate for qualified property purchases. Estimate first-year tax savings on equipment, machinery, vehicles, and business assets placed in service in 2025, including Section 179 coordination and alternative depreciation system (ADS) comparisons for maximum tax benefits.

Calculate capital gains tax on real estate sales for 2025. Free calculator with exemptions and deductions. Get accurate tax estimates!

Free Charitable Remainder Trust calculator for CRAT and CRUT analysis. Calculate CRT payouts, tax deductions, Section 7520 rates, capital gains deferral, and lifetime income projections. Compare Charitable Remainder Annuity Trust vs Unitrust with 2025 IRS guidelines.

Calculate cryptocurrency capital gains tax for 2025 with updated IRS rules. Track Bitcoin, Ethereum, and altcoin trades with cost basis methods (FIFO, LIFO, HIFO). Generate tax reports for short-term and long-term gains, staking income, and NFT sales.

Calculate Delaware net pay after state and federal taxes for 2025. Estimate take-home salary with DE income tax rates, FICA withholding, and local taxes. Compare gross to net pay for hourly and salaried employees. Get accurate paycheck breakdowns with updated Delaware tax brackets and deductions.

Calculate depreciation recapture tax when selling rental property, commercial real estate, or business equipment. Section 1250 (25% max) vs Section 1245 (ordinary income) recapture, 2025 capital gains rates, NIIT calculation, 1031 exchange deferral options, and adjusted basis tracking.

Comprehensive effective tax rate (ETR) calculator analyzing your complete tax burden as percentage of total income in 2025. Calculate true effective tax rate including federal income tax (2024 brackets 10-37% progressive), state income tax (0-13.3% by state, California highest), FICA payroll taxes (7.65% Social Security 6.2% + Medicare 1.45%, capped at $168,600 for SS), local taxes (0-4% cities like NYC 3.876%), and other taxes (property, sales estimated at 1-3% income). Input all income sources - W-2 wages, business income (Schedule C self-employment), long-term capital gains (0/15/20% preferential rates), qualified dividends (same rates as LTCG), and other income (interest, rental, royalties) to model complete tax picture. Calculate adjusted gross income (AGI) by applying above-the-line deductions (reduce AGI directly): Traditional IRA/401(k) contributions ($23,000 limit 2024, $7,500 catch-up 50+), HSA contributions ($4,150 individual/$8,300 family, $1,000 catch-up 55+), self-employed health insurance premiums (100% deductible), student loan interest deduction ($2,500 max, phaseout $75k-90k single/$155k-185k MFJ), educator expenses ($300), and self-employment tax deduction (50% of SE tax = 7.65% effective reduction). Model standard deduction vs itemized deductions (below-the-line, reduce taxable income): 2024 standard deduction $14,600 single/$29,200 married filing jointly/$21,900 head of household/$14,600 married filing separately, compared to itemized deductions total (mortgage interest on $750k-1M loans up to $10k-12k deductible, state and local taxes SALT cap $10,000 combined property+income/sales, charitable contributions 60% AGI limit cash/30% appreciated assets, medical expenses exceeding 7.5% AGI, unreimbursed employee expenses subject to 2% AGI floor). Compare 2024 federal tax brackets across filing statuses - Single ($11,600 10% / $47,150 12% / $100,525 22% / $191,950 24% / $243,725 32% / $609,350 35% / over 37%), Married Filing Jointly ($23,200 10% / $94,300 12% / $201,050 22% / $383,900 24% / $487,450 32% / $731,200 35% / over 37%), calculate federal tax liability in each bracket (example: $100,000 single taxable = $11,600×10% $1,160 + $35,550×12% $4,266 + $52,850×22% $11,627 = $17,053 federal, but after standard deduction $14,600, actual taxable = $85,400, actual tax = $14,605 = 14.6% effective on $100k gross), then apply tax credits (reduce tax dollar-for-dollar, more valuable than deductions): refundable credits (Child Tax Credit $2,000 per child under 17, phaseout $200k/$400k, up to $1,700 refundable; Earned Income Tax Credit $600-$7,430 based on income/children, phaseout $17k-$63k; American Opportunity Credit $2,500 education, 40% refundable = $1,000; Additional Child Tax Credit refundable portion) vs non-refundable credits (Lifetime Learning Credit $2,000 education, Child and Dependent Care Credit $600-$2,100, Retirement Savings Contributions Credit Saver's Credit 10-50% up to $2,000/$4,000, phaseout $38k/$76k, Energy Efficiency Credit 30% solar/geothermal up to limits). Calculate marginal tax rate (tax rate on next/last dollar earned) vs effective tax rate (total taxes / total income) - example: $100,000 income single filer, marginal rate = 22-24% (top bracket), effective rate = 15-18% (average across all brackets + FICA + state). Model true tax burden across income levels (2025 estimates): $50,000 single = 8-12% federal ETR + 7.65% FICA + 3-5% state = 18-25% total ETR; $100,000 = 14-16% federal + 7.65% FICA + 5-7% state = 26-31% total; $200,000 = 18-20% federal + 4.8% FICA (Medicare only on $31,400 excess) + 7-9% state = 29-34% total; $500,000 = 24-26% federal + 2.2% FICA (Medicare 1.45% + NIIT 3.8% on investment income) + 9-11% state = 35-40% total; $1,000,000+ = 26-28% federal (lower if mostly LTCG at 20%) + 2.35% FICA (Medicare + NIIT) + 10-13% state = 38-43% total. Analyze self-employment tax impact (Schedule SE): Self-employed pay both employee + employer FICA = 15.3% total (12.4% Social Security on first $168,600 + 2.9% Medicare unlimited), but can deduct 50% of SE tax above-the-line = net 14.13% effective SE tax, plus 0.9% Additional Medicare Tax on earnings above $200k/$250k = 15.03% total on high earners (example: $150,000 net business income = $21,195 SE tax, $10,597 deductible, net burden $10,598 = 7.07% effective after deduction, plus 15-22% federal income tax = 22-29% combined vs W-2 employee 15-22% federal only). Compare Additional Medicare Tax (0.9% on wages/SE income above $200k single/$250k MFJ, no employer match) + Net Investment Income Tax NIIT (3.8% on investment income dividends/interest/capital gains/rental/royalties for MAGI above same thresholds, total 4.7% Medicare surtax on high earners). Model Alternative Minimum Tax AMT interaction (26-28% flat tax on AMT income AMTI, exemption $85,700 single/$133,300 MFJ phaseout $609,350/$1,218,700, add-backs for SALT/mortgage/depreciation, parallel calculation, pay higher of regular tax or AMT, can increase effective rate 2-5% for $200k-$1M earners with large deductions). Project tax savings strategies to reduce ETR: Max 401(k) $23,000 = save $5,060-$8,510 federal tax at 22-37% bracket + $1,760 FICA + $1,150-$3,013 state = $7,970-$13,283 total savings (34.7-57.8% effective reduction on contribution); HSA $8,300 family = save $1,826-$3,071 federal + $636 FICA + $415-$1,079 state = $2,877-$4,786 (34.7-57.7%); Harvest tax losses to offset gains $3,000/year ordinary income = save $660-$1,110 federal + $150-$390 state = $810-$1,500; Bunch itemized deductions alternating years (2-year $20k charitable vs annual $10k, cross $29,200 MFJ standard in year 1 only = save $2,200-$3,700 extra); Qualified Business Income QBI deduction 20% pass-through income up to $191,950/$383,900 limits = save 20% × 22-37% = 4.4-7.4% ETR reduction on business income; Roth conversions in low-income years (retire early, between jobs, fill 12-22% brackets before RMDs push to 24-32% = 2-10% arbitrage). Calculate state tax impact by jurisdiction (2024 rates): 9 no-income-tax states (AK/FL/NV/NH/SD/TN/TX/WA/WY = 0% ETR boost), low-tax states (AZ 2.5%, CO 4.4%, NC 4.5%, UT 4.65% = 2-5% total ETR), medium-tax (GA 5.75%, IL 4.95%, MA 5%, VA 5.75% = 4-6% total ETR), high-tax (CA 1-13.3% progressive, NY 4-10.9%, NJ 1.4-10.75%, OR 4.75-9.9% = 6-13% total ETR for high earners), plus local taxes (NYC 3.078-3.876%, San Francisco 0.38-1.5%, Philadelphia 3.79% = add 1-4% to state ETR). Model tax bracket progression (2024 federal): 10% bracket $0-$11,600 single / $0-$23,200 MFJ (effective max 10%), 12% bracket $11,600-$47,150 / $23,200-$94,300 (effective max 11.5%), 22% bracket $47,150-$100,525 / $94,300-$201,050 (effective max 17.1%), 24% bracket $100,525-$191,950 / $201,050-$383,900 (effective max 20.4%), 32% bracket $191,950-$243,725 / $383,900-$487,450 (effective max 21.9%), 35% bracket $243,725-$609,350 / $487,450-$731,200 (effective max 26.9%), 37% bracket $609,350+ / $731,200+ (effective approaches 37% for $10M+ income). Real-world ETR examples (2024): Single $75,000 gross (W-2 only, standard deduction, no kids) = $8,990 federal (after $14,600 deduction on $60,400 taxable) + $5,738 FICA + $3,750 state (5%) = $18,478 total / $75,000 = **24.6% total ETR** (12% marginal, 12.0% federal ETR, 7.7% FICA ETR, 5.0% state ETR); Married $150,000 gross (dual income, 2 kids, standard deduction, $4,000 Child Tax Credit) = $13,058 federal (after $29,200 deduction on $120,800 taxable = $17,058 raw tax - $4,000 CTC) + $11,475 FICA + $7,500 state (5%) = $32,033 total / $150,000 = **21.4% total ETR** (22% marginal, 8.7% federal ETR, 7.7% FICA ETR, 5.0% state ETR); Self-employed $200,000 (Schedule C, max 401k $69,000 = $23k employee + $46k employer match on $200k income, $8,300 HSA, $10,000 deduction SE tax) = $25,741 federal (after above-line deductions AGI $152,700, standard $14,600, taxable $138,100) + $24,498 SE tax (but $12,249 deductible, net $12,249) + $10,000 state (5%) = $47,990 total / $200,000 = **24.0% total ETR** (24% marginal, 12.9% federal ETR, 6.1% net FICA ETR after deduction, 5.0% state ETR), but pre-401k income $269,000 would have 32.2% ETR = **8.2% ETR reduction** from retirement savings.

Calculate 2025 federal EV tax credit up to $7,500 for new electric vehicles and $4,000 for used EVs. Check eligibility by vehicle make/model, MSRP limits, income caps, and battery requirements. Compare clean vehicle credits for Tesla, Rivian, Ford, GM, and other qualifying EVs. Get instant point-of-sale credit estimates.

Calculate Employee Retention Credit (ERC) from COVID-19 recovery periods 2020-2021. Estimate tax credits up to $26,000 per employee based on qualified wages, revenue decline, and full/partial suspension. File amended payroll returns (941-X) to claim retroactive credits. Get accurate ERC amounts for eligible quarters in 2025.

Calculate ESPP (Employee Stock Purchase Plan) tax liability for 2025. Determine ordinary income vs capital gains treatment for qualifying ($423/day holding period + 2yr offer date) vs disqualifying dispositions. Input purchase price (15% discount max), FMV at purchase/sale, holding dates, and marginal tax rate (10-37%) to estimate federal taxes, FICA (7.65% cap $168,600), W-2 compensation reporting, AMT implications, and net proceeds after-tax.

Estimate federal estate taxes for 2025. Free calculator with exemptions and deductions. Plan your estate tax strategy!

Calculate FICA taxes for 2025. Free calculator for Social Security and Medicare withholdings. Updated with 2025 tax rates!

Calculate IRS Form 1116 foreign tax credit to eliminate double taxation on foreign income. Compute credit limitation by income category (passive/general), allocate foreign taxes across multiple countries, determine carryback/carryforward amounts, and optimize credit vs deduction strategy for foreign dividends, wages, and business income in 2025.

Calculate your 2025 HSA contribution limits, tax savings, and optimal funding strategy. Includes self-only ($4,300) and family ($8,550) limits, catch-up contributions ($1,000 age 55+), employer contributions tracking, and prorated limits for mid-year HDHP enrollment. Analyzes triple tax advantage: deductible contributions, tax-free growth, and tax-free qualified withdrawals. Shows federal + state tax savings.

Calculate imputed income tax liability from employer-provided fringe benefits. Estimate additional taxable income from domestic partner health coverage, group term life insurance >$50k, personal use of company car, gym memberships, and other non-cash benefits. Determine FICA and federal/state tax withholding for 2025.

Calculate your 2025 IRA contribution limits and deductions. Includes income phase-outs, catch-up contributions, and Traditional vs Roth comparison.

Calculate Modified Accelerated Cost Recovery System (MACRS) depreciation deductions for business assets (3-39 year recovery periods). Input asset cost ($100-$10M), property class (3/5/7/15/27.5/39 years), placed-in-service date, and bonus depreciation election (2025: 60%) to see annual depreciation schedules, total tax savings, cumulative deductions, and remaining basis. Model MACRS vs straight-line comparison, half-year/mid-quarter conventions, Section 179 interaction ($1.22M limit 2025), and real estate special rules (27.5-year residential rental, 39-year commercial). Calculate optimal tax strategies: frontload deductions with 200% declining balance (GDS) or use longer Alternative Depreciation System (ADS) for AMT planning. Essential for business equipment purchases, real estate investors, tax planning, and maximizing first-year deductions under IRC Section 168.

Calculate comprehensive Medicare tax liability for 2025 including Regular Medicare Tax (1.45% employee + 1.45% employer match = 2.9% total), Additional Medicare Tax (0.9% surcharge on high earners), and Net Investment Income Tax (NIIT, 3.8% on investment income). Analyze W-2 wage withholding, self-employment income tax (2.9% on 92.35% of net earnings + 0.9% Additional if applicable), and combined tax scenarios with multiple income sources. Apply 2025 thresholds: $200,000 (Single/Head of Household), $250,000 (Married Filing Jointly), $125,000 (Married Filing Separately) for Additional Medicare Tax and NIIT surcharges. Calculate per-paycheck withholding (weekly/biweekly/semimonthly/monthly frequency options), employer vs employee portions breakdown (employer pays 1.45% match on Regular Medicare only, no match on 0.9% Additional), effective tax rate analysis (total Medicare tax ÷ total income), and marginal rate determination (1.45% standard W-2, 2.35% W-2 over threshold, 2.9% SE under threshold, 3.8% SE over threshold). Compare tax scenarios: Average earner ($75k W-2 = $1,088 Medicare tax, 1.45% effective), High earner ($250k W-2 = $4,075 total with $450 Additional), Self-employed ($150k SE = $4,016 total, 2.68% effective), Mixed income (W-2 + SE combinations), Married couples (combined income threshold analysis), Investors (NIIT surcharge on dividends/capital gains/rental income). Plan tax strategies: Income timing to stay under threshold or bunch above, S-Corporation election for distribution savings, Partnership structure to minimize SE tax, Material participation rules for NIIT avoidance, Tax-exempt bonds for NIIT-free interest, Retirement account contributions (401k/IRA distributions exempt from NIIT), Withholding management (W-4 updates, estimated quarterly payments, year-end adjustments). Avoid costly mistakes: Forgetting employer doesn't match Additional Medicare (only Regular 1.45%), Missing SE income in threshold calculation, Wrong threshold for filing status, Multiple jobs under-withholding (each employer withholds independently at $200k regardless of combined total), Not updating W-4 mid-year when crossing threshold. Review 4 detailed view modes: Tax Calculator (input income sources, filing status, investment income), Tax Breakdown (component-by-component calculation flow, W-2 vs SE vs Additional vs NIIT), Scenarios (6 pre-calculated examples with effective rates), Tax Planning (10+ strategies for income timing, business structure, investment allocation, withholding optimization). Authority: IRS Publication 15 (Employer's Tax Guide), Form 8959 (Additional Medicare Tax), Form 8960 (Net Investment Income Tax), ACA regulations for NIIT, 2025 threshold updates from Social Security Administration wage base announcements.

Calculate Mega Backdoor Roth contribution limits for 2025 ($69,000 total 401k limit - employee contributions - employer match = after-tax space). Estimate tax-free growth potential and compare to traditional retirement savings strategies.

Calculate minimum wage by state for 2025 with automatic FICA, federal, and state tax deductions. Compare hourly, weekly, monthly, and annual gross vs net pay across all 50 states ($7.25-17.00/hr range). Includes tipped minimum wage ($2.13-15.74/hr), overtime calculations (1.5x after 40 hrs), local jurisdiction adjustments (NYC $16.50, SF $18.07), and living wage gap analysis.

Calculate Modified Adjusted Gross Income (MAGI) for 2025 tax planning: Roth IRA eligibility ($146k-161k single/$230k-240k married phaseout), Medicare IRMAA surcharges ($103k+ triggers $70-419/mo extra Part B/D premiums, 2-year lookback), ACA Premium Tax Credit (400% FPL $60k single/$81k family), student loan IDR payments. MAGI = AGI + add-backs: Traditional IRA contributions, tax-exempt interest, foreign earned income exclusion, non-taxable Social Security (partial). Input W-2 wages, 401(k)/HSA contributions, deductions, interest/dividends to calculate 4 different MAGIs (Roth/IRMAA/ACA/IDR use different formulas). Reduce MAGI strategies: max 401(k) $23,500, HSA $8,550, defer bonuses, harvest capital losses, QCD $105k (70½+), Roth conversion timing. Includes thresholds table, IRMAA 6-tier calculator, partial phaseout rules.

Calculate Modified Adjusted Gross Income for Roth IRA eligibility (2025 phaseout $146k-161k single / $230k-240k married), Medicare IRMAA surcharges ($103k Tier 1 / $206k married, extra $994-$6,004/year Part B/D premiums, 2-year lookback), ACA Premium Tax Credit (400% FPL ~$60k/81k), and student loan income-driven repayment (PAYE/REPAYE/IBR). MAGI = AGI + specific add-backs: Traditional IRA contributions added for Roth IRA, tax-exempt interest for IRMAA/ACA, foreign earned income exclusion, Social Security benefits (partial for ACA). 4 different MAGI calculations for each purpose: Roth IRA MAGI (contribution limit phaseout), Medicare MAGI (IRMAA tier 0-5), ACA MAGI (subsidy eligibility), IDR MAGI (monthly payment). 7 MAGI reduction strategies: max Traditional IRA $7k ($1,540 tax save 22% bracket), HSA $4,300/$8,550 triple tax-advantaged, 401(k) $23,500 reduces W-2 wages, timing capital gains, business expense deductions, QCD $105k (70½+ avoid IRMAA), Roth conversion ladder. Includes 2025 critical thresholds table (Roth/IRMAA/ACA limits), Medicare IRMAA 6-tier table ($0-$6,004/year extra cost), common mistakes (confusing AGI/MAGI, ignoring tax-exempt interest, large Roth conversions before 65, MFS brutal limits $0-$10k). Indigo-Purple-Pink gradient design with 4 separate result cards: AGI calculation, Roth IRA MAGI with phaseout status, Medicare IRMAA tier with monthly/annual cost, ACA eligibility, IDR MAGI. FAQ covers AGI vs MAGI difference, Form 1040 location, Backdoor Roth strategy, IRMAA 2-year lookback, 401(k) reduction, partial phaseout options.

Calculate Net Operating Loss (NOL) carryforward value, tax savings, and expiration tracking. Analyzes historical NOLs, applies 80% taxable income limitation (2018+ NOLs), tracks indefinite carryforward (no expiration), calculates multi-year tax savings at marginal rates, and identifies expiring pre-2018 NOLs (20-year limit). Supports C-Corp and pass-through entities.

Calculate tax savings from Opportunity Zone (OZ) investments under IRC Section 1400Z-2. Input capital gain amount ($10k-$10M), holding period (5/7/10 years), and investment date to see deferred capital gains tax liability, basis step-up benefits (10% at 5 years, 15% at 7 years), permanent exclusion of OZ appreciation (10+ year hold), and total tax savings analysis. Model scenarios: deferral until 2026 (original deadline extended), partial gain exclusion calculations, and reinvestment timelines (180-day requirement). Essential for real estate investors, fund managers, high-net-worth individuals, and tax planning professionals maximizing TCJA Opportunity Zone benefits.

Calculate overtime pay under FLSA rules. Estimate time-and-a-half (1.5x regular rate) for hours over 40/week, double-time rates, blended rates for multiple jobs, weighted averages for piece rate/commission workers, and total gross pay including regular + OT hours for 2025.

Calculate employee net pay and employer costs for payroll. Estimate gross-to-net conversion after federal/state income tax withholding (W-4 based), FICA (7.65%), pre-tax deductions (401k, health insurance), post-tax deductions, and employer payroll taxes for 2025.

Complete payroll tax calculator for small businesses covering federal withholding, FICA (Social Security and Medicare), FUTA, SUTA, and state taxes across all 50 states. Calculate employee deductions, employer costs, and total payroll burden with 2025 tax tables.

Calculate Section 199A Qualified Business Income (QBI) deduction for pass-through entities (sole proprietors, S-corps, partnerships, LLCs). Input QBI ($0-$10M), taxable income ($0-$1M), filing status (single/married), and business type (non-SSTB/SSTB) to see up to 20% deduction on qualified business income, phase-in/phase-out limits (2025 thresholds: $191,950 single, $383,900 married), W-2 wage limitation (50% of wages or 25% wages + 2.5% UBIA), and SSTB restrictions (Specified Service Trade or Business). Model scenarios: full 20% deduction below threshold, partial limitation within phase-in range, complete phase-out for SSTB above threshold. Calculate combined QBI from multiple businesses, aggregate trade/business groups, and REIT/PTP qualified dividends. Essential for self-employed individuals, small business owners, real estate investors, and tax planning to maximize pass-through deduction under TCJA 2017 (expires 2025 unless extended).

Calculate federal R&D (Research & Development) tax credit for 2025: 20% regular credit on incremental QRE (Qualified Research Expenses) vs 14% ASC (Alternative Simplified Credit) on average prior 3-year spend. Qualified expenses include wages ($50-150k/researcher), supplies, contract research (65% eligible), cloud computing costs. Startups ($5M revenue, <5yr) can offset $500k payroll tax annually. State credits stack (CA 15%, MA 10%, TX 5%).

Calculate your IRS-required minimum distributions (RMDs) from retirement accounts for 2025 using the new Uniform Lifetime Table (age 73 start). Input account balances from traditional IRAs, 401(k)s, 403(b)s, and other qualified plans to determine annual withdrawal amounts, tax implications ($168k example: $23k federal tax), and multi-year projections. Covers SECURE Act 2.0 changes: age 73 RMD start (up from 72), reduced 25% penalty (from 50%), and special rules for inherited IRAs, spouse beneficiaries (recalculation method), and qualified charitable distributions (QCDs up to $105,000). Calculate separate RMDs for each account type, aggregate withdrawal strategies, and Roth conversion opportunities before RMD age to minimize lifetime taxes.

Calculate Section 179 tax deduction for business equipment and property purchases in 2025 (up to $1.22M). Input equipment cost, business income, and asset type to see immediate expensing deduction, phaseout threshold ($3.05M total purchases), taxable income limitation, and tax savings. Model scenarios: full deduction below $3.05M, dollar-for-dollar reduction above threshold, coordination with 60% bonus depreciation, and SUV/vehicle special limits (6,000+ lbs GVW). Calculate optimal strategy: Section 179 first (taxable income limited), then bonus (no income limit), then MACRS depreciation. Essential for small businesses maximizing first-year deductions on equipment, vehicles, computers, and qualified real property improvements (HVAC, roofs, fire/security systems). Expires 2025 unless extended.

Calculate your 2025 self-employment tax (15.3% on 92.35% of net earnings) including Social Security (12.4% up to $176,100 wage base) and Medicare (2.9% unlimited + 0.9% Additional Medicare Tax above $200k/$250k). Input gross income, business expenses, and filing status to determine SE tax liability, deductible employer-equivalent portion (50% for AGI reduction), quarterly estimated payments ($6,000 example: $1,500/quarter), and effective tax rate. Handles Schedule C net profit, Form 1040-ES quarterly deadlines (Apr 15, Jun 16, Sep 15, Jan 15), state tax integration, and spousal income for Additional Medicare Tax thresholds. Essential for freelancers, gig workers, independent contractors, and small business owners to plan quarterly taxes and avoid underpayment penalties.

Calculate SEP IRA contribution limits for self-employed and small business owners. Determine maximum deductible contribution (25% of compensation, up to $69,000 for 2025), estimate tax savings, compare SEP vs Solo 401k/Simple IRA, and optimize retirement savings strategy.

Comprehensive tax calculator for side hustle income including federal tax, self-employment tax (15.3%), QBI deduction (up to 20%), and quarterly estimated payments. Input gig income from multiple sources (Uber, DoorDash, Etsy, freelancing), track deductible expenses by category (mileage at $0.655/mile, home office, supplies, marketing), and calculate take-home profit after taxes. Handles W-2 job withholding coordination, multiple income streams aggregation, and provides tax-saving strategies specific to 1099 contractors. Shows quarterly payment schedule (Form 1040-ES), effective tax rate analysis, and year-end tax projection to avoid underpayment penalties. Essential for rideshare drivers, delivery workers, online sellers, and part-time freelancers managing tax obligations.

Calculate 2025 Social Security benefits using bend points formula with AIME (Average Indexed Monthly Earnings) and PIA (Primary Insurance Amount) calculations. Determine monthly retirement benefit based on earnings history, bend point thresholds ($1,226/$7,391), and progressive replacement rates (90%/32%/15%) for accurate benefit estimation.

Calculate 2025 used EV tax credit (30% of price, max $4,000) for pre-owned electric vehicles. Check eligibility for income limits ($150k AGI married/$75k single), vehicle requirements (2+ years old, under $25k price, 7,000+ lb GVWR), seller restrictions (dealer-only), battery capacity (7+ kWh), and claim IRS Form 8936. Compare Chevy Bolt, Nissan Leaf, Tesla Model 3 savings.

Calculate Value Added Tax (VAT) for products and services across 140+ countries. Add or remove VAT from prices, compare international rates (5-27%), and understand VAT obligations for businesses and tourists. Supports UK (20%), EU (17-27%), Canada GST (5%), and global VAT systems.

Calculate 2025 Venmo tax obligations for 1099-K reporting: IRS requires reporting for $5,000+ business transactions (lowered from $20,000 in prior years). Estimate self-employment tax (15.3% on net income), income tax (10-37% brackets), quarterly estimated payments (Form 1040-ES due Apr/Jun/Sep/Jan), deductible expenses (fees, supplies, mileage $0.67/mi), and hobby vs business classification. Track goods-and-services payments (taxable) vs friends-and-family (non-taxable). Covers freelancers, gig workers, small businesses, side hustles.

Calculate Roth IRA 5-year rule compliance to determine tax-free withdrawal eligibility.

Calculate concrete driveway installation costs for 2025 projects. Estimate total material ($4-8/sq ft), labor ($3-10/sq ft), excavation ($1-3/sq ft), grading, reinforcement (rebar/wire mesh), finishing (broom/stamped $8-18/sq ft), and sealing. Compare 400-1,200 sq ft driveways, analyze thickness (4-6 inches), and budget for permits, tear-out ($2-6/sq ft old concrete), and regional pricing variations.

Calculate lifetime EV savings vs gas cars for 2025: compare total ownership costs including purchase price ($35k-55k EVs), federal tax credit ($7,500 new/$4,000 used), electricity costs ($0.12-0.30/kWh vs gas $3.00-5.00/gal), maintenance savings (50% less: no oil changes, fewer brake jobs, $300/year EV vs $1,200/year gas), insurance (+10-15% EV premium), depreciation (faster early years), and break-even analysis (5/10/15-year horizons). Input annual mileage (10k-30k mi), vehicle type (Tesla Model 3/Y, Chevy Bolt, Nissan Leaf, Ford F-150 Lightning, ID.4), local electricity rates, charging location (home Level 2 vs public DC fast), home charger install cost ($500-2,500), to estimate net savings considering hidden costs: battery degradation (2-3%/year), cold weather range loss (-20-40%), EV registration surcharges ($50-200/yr in 26 states), higher insurance, opportunity cost of higher upfront price.

Calculate fence installation costs by material type and linear feet. Estimate wood ($10-$30/ft), vinyl ($20-$40/ft), chain link ($8-$18/ft), aluminum ($25-$45/ft), wrought iron ($30-$60/ft) costs. Include labor, posts, gates, permits, and removal for 2025 projects.

Estimate total flooring installation costs for 2025 projects. Compare 12+ flooring types: hardwood ($6-20/sq ft), laminate ($2-8), vinyl plank ($3-12), tile ($7-30), carpet ($3-15), luxury vinyl ($4-14), engineered hardwood ($5-18), bamboo ($4-12), cork ($5-15), linoleum ($3-11), and concrete ($4-20). Input room dimensions (100-2,500 sq ft), add waste factor (10-15%), calculate labor ($2-10/sq ft), removal ($1-4/sq ft old flooring), and subfloor prep costs.

Calculate paint coverage needed for walls, ceilings, and trim. Estimate gallons required based on square footage (1 gallon covers 350-400 sq ft per coat). Account for surface texture (smooth vs rough), number of coats (2 typical), primer coverage, and paint waste. Determine total cost for 2025 projects.

Calculate 2025 solar panel installation costs: $15,000-30,000 after 30% federal tax credit (average 6kW-8kW residential system). Estimate equipment costs ($2.50-3.50/watt), labor ($0.50-1.00/watt), permits/inspection ($500-1,500), inverter ($1,000-3,000). Compare monocrystalline (350-400W, 22% efficiency, $1.00-1.50/W) vs polycrystalline (250-300W, 18%, $0.80-1.20/W) vs thin-film (15%, $0.60-0.90/W). State incentives (CA SGIP $0.25/W, NY $0.40/W, MA SMART $0.06/kWh 10yr). Break-even 6-12 years, 25-year warranty.

Calculate solar panel payback period and return on investment (ROI). Estimate break-even time (5-15 years typical), lifetime savings (25+ years), federal tax credit (30% in 2025), state incentives, monthly utility savings, and net ROI after installation costs.

Calculate 2025 Tesla Solar Roof cost: $45,000-75,000 after 30% federal tax credit (typical 2,000-2,500 sq ft roof, 10-12kW system). Estimate active solar tiles ($14-16/sq ft), inactive tiles ($11-13/sq ft), Powerwall battery ($11,500 each), removal of existing roof ($5-15/sq ft), installation labor (20-30% of total). Compare ROI vs traditional solar panels ($15k-30k cheaper but no aesthetic integration). Calculate break-even period (15-25 years), energy savings ($1,500-3,000/year), home value increase (3-5%), state incentives. Warranty: 25-year power, lifetime tiles.

Calculate tile quantity needed with waste factor for flooring, walls, and backsplashes. Input room dimensions to estimate boxes required, accounting for 5-20% waste (straight layout 5-10%, diagonal 15-20%, herringbone 20-25%). Includes grout line adjustments, irregular shape calculations, cost estimation with $0.50-30/sq ft tile pricing, and pattern-specific waste factors for 2025 projects.

Convert EST to IST time instantly with our free time zone converter. Supports 35+ time zones including EST, PST, GMT, IST, JST, and more. Features live clock, conversion tables, and business hours overlap guide for US-India collaboration.