Free Financial Calculators
15 tested calculators, free and no signup — the same deterministic engine Mali uses in conversation. Every result has a shareable link.
Saving & investing
How much will my savings grow?Compound interest on a starting amount plus monthly contributions — and how much is growth vs. what you put in. How big will my 401(k) get?Project your balance with contributions, employer match, raises, and compounding — your money vs. the match vs. growth. Can I stop saving for retirement?Coast FIRE: the amount invested today that grows to your number with no further contributions. How much should I save each month?The monthly contribution to hit a savings goal by your date, given a starting balance and return. What will my money be worth later?Future cost and lost buying power of an amount over time at a given inflation rate. How big should my emergency fund be?Your target safety net, months currently covered, and how long to close the gap. What's my net worth?Add up what you own and subtract what you owe — assets minus liabilities. How much will a CD or savings account earn?Growth of a deposit plus contributions at a fixed APY — and how much is interest.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. What's my FIRE number?Your financial-independence target (25× spending), how close you are, and years to reach it.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. What's my RMD this year?Required minimum distribution from a traditional IRA/401(k) — IRS Uniform Lifetime Table, age 73+. Roth or Traditional?After-tax retirement value of each, based on your tax rate now vs. in retirement. 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. When will my credit card be paid off?Months to clear a balance at your APR with a fixed payment — and the total interest. Should I rent or buy?Compares the wealth you'd build buying vs. renting and investing the difference over your time horizon. How much house can I afford?The 28/36 rule applied to your income, debts, and down payment — your max price and payment. What's my car payment?Monthly payment, total interest, and total cost from price, down, trade-in, APR, and term.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. What would a divorce look like financially?How assets, debts, and monthly budgets would split, plus a ballpark legal-cost estimate. 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