Free Financial Calculators
Instant results. Client-side only — nothing is saved or sent anywhere. No signup required.
Every calculator below runs entirely in your browser. Your numbers never leave your device — we don't collect, store, or transmit any of the financial data you enter. Use these tools to understand your debt-to-income ratio before applying for a mortgage, compare bankruptcy chapters with your real numbers, estimate the true cost of a 401(k) hardship withdrawal, or calculate how much home you can actually afford. Each calculator includes educational context explaining what the numbers mean and what to do next.
Mega Backdoor Roth Calculator
Estimate your extra 401(k) room and verify if your plan supports this powerful strategy.
Debt-to-Income Ratio
Find your DTI instantly. See if lenders will approve you and what your number really means.
Short Sale vs Foreclosure Credit Impact
See how your credit score takes a hit from each option — and how long recovery takes.
Loan Modification Savings
Calculate your exact monthly, annual, and 5-year savings from a rate modification.
Home Affordability Checker
Find out exactly how much home you can afford based on your income and debt load.
401k Hardship Withdrawal
See the real cost of tapping retirement savings early — taxes and penalties combined.
Chapter 7 vs Chapter 13 Bankruptcy
Side-by-side comparison of both bankruptcy chapters based on your actual numbers.