Calculators > Money Tools
Money Tools
Plan smarter with calculators for net worth, cash flow, investing, taxes, retirement, and debt payoff. These tools help consumers, freelancers, self-employed users, families, and small business owners understand current finances and model better decisions.
These tools are for educational purposes only and do not constitute financial, tax, or investment advice.
1. Net Worth Calculator
Calculate total assets, total liabilities, net worth, debt-to-asset ratio, and liquidity trends. Save monthly or yearly snapshots to track progress over time.
Formula: Net Worth = Total Assets - Total Liabilities
Assets
Liabilities
Total Assets
$0.00
Total Liabilities
$0.00
Net Worth
$0.00
Positive net worth
Debt-to-Asset Ratio
0.0%
Low positive net worth
Asset Allocation Breakdown
Liabilities Breakdown
2. Cash Flow Calculator
Measure monthly or annual inflow, outflow, savings contributions, and surplus/deficit to improve budget health and long-term planning.
Net Cash Flow = Total Income - Total Expenses - Savings Contributions
Income
Savings & Investing
Fixed Expenses
Variable Expenses
Total Income
$6,600.00
Total Expenses
$5,565.00
Savings / Investing
$900.00
Net Cash Flow
$135.00
Savings Rate
13.6%
Expense Ratio
84.3%
Budget Health
Tight
Spending by Category
Recommendations
- Review top spending category: rent-mortgage.
- Increase savings rate toward at least 15% when possible.
- Audit recurring subscriptions and cancel low-value services.
3. Compound Interest Calculator
Estimate future value using contributions, compounding, inflation, and tax drag. Compare scenarios and see how start timing changes long-term outcomes.
Scenario A
Scenario B (Comparison)
Enable Scenario B to compare 2 assumptions side by side.
Ending Balance
$506,332.01
Total Contributions
$193,819.40
Investment Growth
$312,512.61
Inflation-Adjusted Value
$273,110.72
Year-by-Year Growth
Start Now vs Start Later
Delay used: 3 years
Start now ending balance: $601,375.80
Start later ending balance: $506,332.01
Difference: $95,043.79
Increase Monthly Contribution Sensitivity
| Monthly Contribution | Ending Balance |
|---|---|
| $500.00 | $601,375.80 |
| $600.00 | $698,749.29 |
| $750.00 | $844,809.52 |
| $1,000.00 | $1,088,243.24 |
How to interpret this estimate
- Time in market has a large impact on ending balance.
- Higher expected return assumptions increase volatility and uncertainty.
- Consistent contribution growth can materially improve outcomes.
- Inflation can significantly reduce future purchasing power.
4. Tax Estimator
Estimate federal tax liability, self-employment tax, deduction strategy, and potential refund or balance due with item-level deduction inputs and configurable tax year assumptions.
This tax estimator is for educational purposes only. Tax outcomes vary based on jurisdiction, tax year, eligibility rules, income type, filing status, and personal circumstances. Please verify results with a qualified tax professional.
This estimator is not a filed tax return and does not replace professional tax preparation.
Profile
Income
Possible Deductions and Adjustments
Payments and Credits Already Applied
Tax Results
Estimated Federal Tax
$10,497.00
Estimated SE Tax
$0.00
Total Credits
$0.00
Total Payments
$11,500.00
Estimated Refund
$1,003.00
Detailed Tax Summary
- Gross income: $85,700.00
- Adjustments: $0.00
- AGI: $85,700.00
- Deduction used: $15,500.00 (Standard Deduction)
- Taxable income: $70,200.00
- Tax before credits: $10,497.00
- Total estimated tax: $10,497.00
- Marginal rate: 22.0%
- Effective rate: 12.2%
Estimated Refund
$1,003.00
Income Breakdown
Deduction Breakdown
- Standard deduction
- Itemized deduction
- Adjustments to income
- Business deductions
Tax vs Payments
Validation / Guardrails
- Itemized deductions are currently lower than the standard deduction.
How this estimate was calculated
- Social Security income is simplified using a taxable estimate for planning.
- State tax logic is simplified and may differ from actual state filing rules.
- Credits, phaseouts, and eligibility are estimated and not full tax preparation logic.
- A refund estimate depends on withholding, estimated tax payments, and credits, not just deductions.
Tax education notes
Deductions lower taxable income, while credits directly reduce tax due. A larger refund does not always mean lower tax overall; it may indicate more withholding during the year.
5. Retirement Calculator
Project retirement savings, income targets, withdrawal sustainability, and confidence under conservative/base/aggressive assumptions.
Inputs
Retirement Summary
Savings at Retirement
$3,335,948.49
Income Target at Retirement
$157,017.68
Estimated Withdrawal Income
$133,437.94
Income Gap / Surplus
$1,420.26
Readiness Score
100/100
Confidence (Monte Carlo style)
46.5%
Year-by-Year Accumulation
6. Debt Payoff Calculator
Build debt payoff plans using minimum payments, snowball, avalanche, or custom priority strategies. Compare debt-free timelines and total interest.
Estimated payoff month (avalanche): 17
Estimated payoff month (avalanche): 33
Estimated payoff month (avalanche): 67
Payoff Date
November 2031
Months to Debt-Free
67
Total Interest
$7,700.73
Total Paid
$56,500.73
Interest Saved vs Minimum
$7,108.87
Debt Balance Timeline
Strategy Comparison
| Strategy | Months | Total Interest | Debt-Free Date |
|---|---|---|---|
| Minimum | 122 | $14,809.60 | June 2036 |
| Snowball | 67 | $7,700.73 | November 2031 |
| Avalanche | 67 | $7,700.73 | November 2031 |
Compare Scenarios
Save what-if snapshots and compare metrics side by side.
FAQ
Recommended Next Steps
Want lender-specific loan estimates after planning scenarios? Move from education to real offers.
Account sync hook placeholder: connect scenario storage to authenticated user profiles for long-term history. Assumption editing for admins is managed in `client/src/lib/taxRules.ts`.
These calculators are educational models. Results are estimates only and may differ from lender, tax authority, brokerage, or retirement plan outcomes.