Tools & Calculators

Sixteen calculators, your saved calculations, and the Tax Center.

They are grouped by what you are trying to do rather than by name:
• KILL DEBT — Debt Payoff, Credit Card, Student Loan, Biweekly Payoff, Refinance.
• BUY A HOME — Mortgage / Loan, Home Affordability, Rent vs. Buy, Auto Loan.
• SAVE & INVEST — Compound Interest, Savings Goal, Emergency Fund, FIRE / Retire Early, Retirement, Roth vs. Traditional.
• INCOME & SPENDING — Take-Home Pay, Subscriptions, Tax Estimator.

None of them touch your real data. They are scratch paper with good arithmetic.

The short map:

• “Should I overpay the mortgage or invest it?” — Mortgage / Loan, then Compound Interest.
• “Which debt first?” — Debt Payoff. It compares avalanche (highest rate) against snowball (smallest balance) on your actual numbers.
• “Is refinancing worth it?” — Refinance. The answer is a break-even month, not a yes.
• “What will I actually take home?” — Take-Home Pay.
• “Can I afford this house?” — Home Affordability, then Rent vs. Buy for the second half of the question.
• “How big should my emergency fund be?” — Emergency Fund.
• “Roth or Traditional?” — Roth vs. Traditional, which turns on the tax rate you expect later, not the one you pay now.
• “When could I stop working?” — FIRE / Retire Early for the quick version, the Retirement Planner for the honest one.

Yes — “Save This Calculation”, give it a name, and it lands in Saved Calculations on the Tools tab. Every input is kept, so you can reopen it months later and change one number instead of rebuilding the whole thing.

This is what makes the calculators useful for a decision you are sitting on rather than one you make once. Save “Refinance at 5.75%” today and the comparison is still there when the rate moves.

No. Nothing on the Tools tab writes to your data. You can put any number in any field without consequence — that is the point of having them separate from the tabs that do.

It gives you a rough federal picture from income, filing status and the deductions you enter — enough to answer “am I going to owe?” before it is too late to do anything about it.

It is an estimate and it is not tax advice. It does not know about every credit, state tax, or anything unusual in your situation. If it says you are close to a line that matters, that is the signal to talk to someone who files for a living.

The year's tax-relevant figures pulled together: deductible categories, rental Schedule-E export, and — if the business side is switched on — the Schedule C summary, mileage at the rate you set, and reimbursable costs.

It is a starting pack for whoever prepares your return, not a filing tool.