Financial Independence Calculator
Calculate when you can retire early with tax-aware withdrawals, account-type breakdowns (401k, IRA, Roth, HSA, brokerage), and scenario modeling using the 4% rule.
Financial tools powered by real data
Tax calculators, income comparisons, cost of living data, and planning tools — all built on Census, IRS, and BLS data instead of generic formulas.
Historical Investment Calculator
What if you'd invested in the S&P 500, NASDAQ, or any of 11 asset classes? Lump sum, monthly DCA, or loan-payment-equivalent — with real total-return data going back to 1871. Compare two scenarios on the same chart.
Paycheck to Paycheck Calculator
Enter your income and city — we show what life actually costs where you live and diagnose whether you're stretched because of local costs, your income, or both.
Monthly Budget Calculator
Quickly estimate how much you can comfortably spend each month after bills, savings, and big upcoming expenses.
Income Percentile Calculator
See where your income ranks compared to your ZIP code, city, county, state, or the entire U.S.
Net Worth Percentile Calculator
See what percentile your net worth falls in compared to all U.S. households and your age group. Uses Federal Reserve Survey of Consumer Finances data.
Debt Percentile Calculator
See how your debt compares to other U.S. households nationally and by age group. Toggle between total debt and consumer debt (excluding mortgage). Uses Federal Reserve SCF data.
Retirement Savings Percentile Calculator
See how your retirement savings compare to U.S. households by age, education, income, marital status, and race/ethnicity. The only calculator with full demographic breakdowns. Uses Federal Reserve SCF data.
Cost of Living Calculator
Compare housing, childcare, and taxes for any city, county, metro, or state against the U.S. average.
Take-Home Pay Calculator
Calculate your actual paycheck after federal, state, and FICA taxes. Supports salary and hourly input, 401(k)/HSA/FSA deductions, and biweekly, weekly, or monthly breakdowns for all 50 states.
Pay Raise Calculator
See what your raise is actually worth after taxes and inflation.
Spending Breakdown by Income
See exactly how Americans at every income level spend their money — housing, food, healthcare, retirement, and more. Compare your own spending against BLS Consumer Expenditure Survey 2024 data.
Relocation Calculator
Compare your complete financial picture in any two U.S. cities. See how taxes, housing, expenses, and savings change if you move — with 2026 data from 22 government sources.
Housing Affordability Map
See how affordable housing really is in every U.S. ZIP code, measured relative to your income. Enter your household income and compare starter, typical, and move-up homes.
Local Housing Affordability Map
What percentage of local households can afford to buy a home in their own area? Uses Census income distributions and real housing costs for every ZIP code.