Free finance calculators for high earners

Equity comp and early-retirement math, done in seconds. No login, no signup, nothing stored - everything runs in your browser.

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RSU tax calculator

Estimate federal, state and FICA tax withheld when your RSUs vest. Free, no signup.

AMT / ISO calculator

Estimate alternative minimum tax before you exercise your incentive stock options.

Mega backdoor Roth calculator

See how much after-tax 401(k) room you can convert to Roth this year.

FIRE calculator

Calculate your FIRE number and the age you can reach financial independence.

ESPP calculator

Calculate your employee stock purchase plan discount, shares and tax split by disposition type.

NSO tax calculator

Estimate ordinary income, withholding and FICA when you exercise non-qualified stock options.

ISO exercise tax calculator

Estimate the all-in cash to exercise ISOs: exercise cost plus the AMT from the bargain element.

Backdoor Roth calculator

See the tax cost of a backdoor Roth under the IRS pro-rata rule, based on your pre-tax IRA balance.

Stock option tax calculator

Estimate tax at exercise for ISOs (AMT) and NSOs (ordinary income + FICA) in one tool.

RSU vesting calculator

Project the value and timing of your RSU vesting schedule over the remaining years.

Capital gains tax calculator

Estimate short- and long-term federal capital gains tax plus the 3.8% NIIT on your gain.

Roth conversion calculator

Estimate the marginal federal tax cost of converting traditional retirement money to Roth.

Coast FIRE calculator

Find out if you have invested enough to coast to retirement with no more contributions.

Barista FIRE calculator

Model semi-retirement: how part-time income lowers the portfolio you need to step back.

Safe withdrawal rate calculator

See the income a portfolio supports and the portfolio a target spend needs at any withdrawal rate.

Savings rate calculator

Turn your savings rate into a years-to-financial-independence estimate.

Effective tax rate calculator

See your blended federal tax rate versus your marginal bracket, with after-tax income.

Estimated tax calculator

Estimate your quarterly federal tax payments to avoid an underpayment penalty.

1099 tax calculator

Estimate self-employment tax and income tax on your 1099 / freelance income.

Bonus tax calculator

Calculate the federal, state and FICA tax withheld from your bonus.

Tax loss harvesting calculator

See how much you save by harvesting investment losses against gains and income.

83(b) election calculator

Compare filing an 83(b) election versus default vesting taxation on your equity.

Compound interest calculator

Project growth from a starting balance plus regular monthly contributions, compounded.

CAGR calculator

Calculate the compound annual growth rate of an investment between two values.

Dividend reinvestment calculator

See how reinvesting dividends compounds your position versus taking them as cash.

Dollar cost averaging calculator

Project investing a fixed amount each month, and compare it to a lump sum.

Portfolio rebalancing calculator

See exactly what to buy and sell to return to your target stock/bond allocation.

Asset allocation calculator

Get a target stock/bond mix from your age and risk tolerance.

Net worth percentile calculator

See where your net worth ranks by age against US households, using 2022 Fed SCF data.

Mortgage payoff vs invest calculator

Compare paying extra on your mortgage against investing the same amount.

Refinance break-even calculator

Find how many months it takes to recoup closing costs after refinancing.

Rent vs buy calculator

Compare the true cost of renting versus buying a home over your time horizon.

Mortgage recast calculator

See how a lump-sum principal payment and recast lowers your monthly mortgage.

HELOC payoff calculator

Model your home equity line payoff time and total interest at a fixed payment.

Student loan refinance calculator

Compare refinancing your student loans against your current rate and term.

Debt avalanche calculator

Order your debts by rate and see your payoff date and total interest.

Why these calculators

Most personal-finance tools are built for budgeting or for retirees in their 60s. The hard math for high earners - what RSUs actually cost in tax, when incentive stock options trigger AMT, how much after-tax 401(k) room is left for a mega backdoor Roth, and what year financial independence is realistic - is scattered or locked behind paid advisors. These tools answer those questions directly, for free.