Free calculators for your financial future
A more secure financial life can mean having money for a surprise bill, room to save each month and more choice about how you spend your time. A spending plan, a cash buffer and investments can each play a part.
WealthCalc helps you explore how those pieces fit together. Turn a question about your money into an estimate, change the numbers and see what might make a difference. You do not need to know the formulas to get started.
Explore the twelve free calculators, from quick rules of thumb to more detailed plans.
What else could that buy?
Phone costs about the same as…
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Give your income a plan
Knowing where your money goes can help you make room for both today’s needs and future goals. The 50/30/20 budget calculator splits your after-tax income into needs, wants, and savings or extra debt payments. Use it as a starting point for thinking about your spending; housing costs, debt and family needs may call for a different balance.
Build a buffer for life’s surprises
A repair, an unexpected bill or a drop in income can interrupt even a careful plan. Accessible savings can help you handle that disruption without immediately borrowing or selling investments. The Emergency Fund calculator turns your essential monthly expenses and chosen coverage period into a cash-buffer target, then compares it with what you already have.
The Financial Runway calculator looks at a related question: how long could available savings cover the gap between your expenses and reliable income? It can help you explore a job change, a break from work or a period of reduced earnings. For background on cash reserves, see the CFPB’s guide to building an emergency fund.
Understand what time can do for investments
Investing gives money the possibility of growing over time, and growth can build on earlier growth. This is called compounding. The Investment Growth calculator lets you explore a starting balance, regular contributions and different return assumptions. It also shows how rising prices could affect what that money can buy. Real investments can lose value, and returns will not follow the calculator’s smooth path.
For a quick introduction, the Rule of 72 calculator estimates how long money might take to double at a steady return. The Age-based Allocation calculator compares familiar age-based stock-percentage guidelines. Age is only one consideration: your goals, time available and ability to handle losses matter too. Investor.gov explains how an investment mix and diversification relate to risk.
Put your wealth into perspective
Net worth is what you own minus what you owe. The Net-worth Benchmark calculator compares it with the age-and-income shortcut from The Millionaire Next Door. It is a rough comparison, especially early in your career, rather than a complete measure of your progress.
The Wealth Ladder calculator explores USD wealth bands and connects net worth with two guidelines: 0.01% for occasional discretionary spending and 1% for the potential gain from an earning opportunity. These are prompts for thinking about scale; they do not establish what you can afford or guarantee an opportunity will pay off.
Explore a future with more choice
Financial independence means being able to cover your living costs without depending on a paycheck. That might mean retiring early, working less or choosing work for reasons beyond income. The FIRE Number calculator estimates a portfolio target from your spending and a chosen withdrawal rate. The Withdrawal-rate comparison shows how different yearly spending assumptions change that target.
The FIRE Date calculator explores when contributions and assumed investment growth could bring you to your target. Coast FIRE asks how much you would need invested today to reach a future target without adding more. These are possible scenarios, not retirement guarantees. For broader context, read Investor.gov’s guide to building wealth through saving and investing.
Start with one question
You do not need to solve everything at once. Try the Rule of 72 for a quick introduction to growth, explore your income with the budget calculator, or choose the tool that fits your next decision from all calculators.
No account is needed, and your calculator inputs are not saved. See our Privacy page for details. Each tool explains its assumptions; the Methodology page goes into the formulas and limits.
* Not financial advice. Just for fun and information. Read the full Disclaimer for more.
