Free Financial Calculators
15 tested calculators, free and no signup — the same deterministic engine Mali uses in conversation. Every result has a shareable link.
Retirement
Am I on track to retire?Retirement readiness: balance projection vs. what your spending needs. What are the odds my money lasts?Monte Carlo simulation across thousands of market paths — includes crash/sequence risk. How much can I safely spend?Solves for your maximum annual spending at a target success rate — your personal 4% rule. How long should I plan for?Actuarial life expectancy + planning horizon — joint last-survivor for couples. Pension: lump sum or monthly checks?Compares the buyout against the annuity on actuarial value.Taxes & Roth
Should I do a Roth conversion?Tax cost, bracket fill, and IRMAA impact of converting this year. Which account should I tap first?Tax-efficient withdrawal sequencing — taxable vs. traditional vs. Roth, RMD-aware. Is my backdoor Roth tax-free?The IRS pro-rata rule across all your IRAs — the taxable share of your conversion. Am I maxing my HSA?Contribution room left this year + the tax savings of using it. What's the smartest way to give?Annual vs. bunching (donor-advised fund) vs. QCD — tax savings of each.Social Security
When should I claim Social Security?62 vs. 67 vs. 70 — break-even ages and lifetime value.Home & debt
Should I pay off my mortgage faster?Extra principal, lump sum, or refi — months and interest saved.Family & estate
Are we saving enough for college?529 projection vs. inflated cost of attendance — and the monthly amount that closes the gap. What's the RMD on an IRA I inherited?10-year rule, stretch, or 5-year — your rule, deadline, and this year's amount. How much life insurance do we need?DIME capital-needs estimate, minus the coverage you already have. Want these run on your real numbers? Talk to Mali free →Every calculator is a deterministic, unit-tested engine — the AI explains, the engine computes. Educational estimates, not financial advice. All features · Pricing