All Calculators
Every published Breakeven Math calculator, grouped by the decision it supports. Most apply US federal and state rules; one covers the Australian Age Pension.
401(k) Employer Match & True-Up
Per-paycheck contributions needed to capture the full employer match, with vesting schedules and true-up provisions.
Backdoor Roth & Pro-Rata Modeler
Calculate taxable conversion ratios under the IRS Form 8606 Pro-Rata Rule, track non-deductible basis, and model 401(k) reverse rollover shelters.
Solo 401(k) vs. SEP IRA Contributions
2026 Solo 401(k) and SEP IRA contribution limits and deductions for self-employed and S-Corp owners, side by side with upfront tax savings.
HSA Triple-Tax & Stealth IRA Modeler
Calculate upfront income and FICA 7.65% tax deductions, 30-year tax-free compounding, and the stealth IRA receipt shoebox strategy.
HSA "Stealth IRA" Wealth Modeler
Calculates triple-tax-free HSA compound growth vs taxable brokerage accounts utilizing the shoebox receipt reimbursement strategy.
HDHP (HSA) vs. PPO Calculator
Compare High Deductible HDHP + HSA vs Traditional Low Deductible PPO plans: model payroll premium savings, employer HSA seeds, and 3-tier medical spending stress tests.
529 College Savings & State Tax
529 plan growth and state tax deduction savings, compared against a taxable brokerage account, with SECURE 2.0 Roth rollovers.
Tax-Loss Harvesting
Tax saved by harvesting capital losses under 2026 rules: short- and long-term offsets, the $3,000 limit, carryforwards, NIIT, and the wash-sale rule.
Centrelink Age Pension & Deeming Calculator (Australia)
Estimate your fortnightly Centrelink Age Pension under both the assets and income tests, including deeming on financial assets and the Work Bonus.
State-to-State Tax & Relocation Modeler
Net tax savings weighed against the costs of moving to a no-income-tax state such as Texas, Florida, Washington, or Nevada, including property and sales tax.
Section 179 Heavy Vehicle Deduction (over 6,000 lbs GVWR)
2026 first-year Section 179 and bonus depreciation deductions and tax savings for business vehicles over 6,000 lbs GVWR, using IRS Pub 946 limits.
ISO vs. NSO Stock Options & AMT
Calculate your Alternative Minimum Tax (AMT) liability when exercising Incentive Stock Options (ISOs) vs Non-Qualified Stock Options (NSOs) and model Form 8801 AMT credits.
RSU Tax Withholding & Underpayment Penalty
The federal tax a 2026 RSU vest adds, the shortfall left by 22% supplemental withholding, and the Form 2210 underpayment penalty it could trigger.
Job Offer Comparison: Net Pay After Work Costs
Two job offers compared after an assumed tax rate and the commuting, childcare, and pet care costs each role adds, plus the raise that would make them equal.
W-2 vs. 1099 vs. C2C (S-Corp)
Net take-home pay, total tax, and business deductions compared across W-2, 1099, and C2C (S-Corp) structures, including the reasonable-salary split.
Freelance Hourly Rate & Retainer Calculator
Calculate true billable hourly rates, factor in 15.3% self-employment taxes, 60% billable utilization buffers, and value-based retainers.
Home Affordability Calculator
The maximum home price under a 36% debt-to-income limit, from income, monthly debts, down payment, and interest rate.
Physician Loan vs Conventional Mortgage Calculator
Run both amortization schedules side by side: months of PMI until the 80% or 78% threshold, interest over your holding period, and the earnings you give up on a larger down payment.
Mortgage Amortization Schedule
Monthly payment, total interest, and a year-by-year schedule of interest, principal, and balance for a fixed-rate mortgage.
Refinance True Breakeven & Term Reset
Months to recover refinance closing costs, and the extra years and interest added when a refinance restarts the loan term.
Fed Rate Cut Mortgage Refinance Savings
Monthly and lifetime savings when mortgage rates fall, with closing-cost break-even timelines.
Mortgage Recast Calculator
New monthly payment after a lump-sum principal payment and recast, with per-$10,000 tables and how a recast differs from a refinance or prepaying.
Mortgage Discount Points
Calculate whether paying 1 to 2 discount points upfront at closing actually saves money before you move or refinance into lower market rates.
BRRRR Real Estate Modeler
Model purchase price, rehab budgets, 75% ARV cash-out refinances, capital recapture, DSCR coverage, and cash-on-cash ROI.
Rent Hike vs. Moving Cost
Determine if moving to a cheaper apartment actually saves money once moving trucks, broker commissions, and security deposit friction are counted.
No matching calculators found
Try searching for keywords like "401k", "Roth", "Mortgage", "RSU", "HSA", or "Tax".
The ISO AMT trap, measured across 500 scenarios
We modelled 500 startup-employee exercise scenarios to find where paper wealth turns into a real Alternative Minimum Tax bill.
How these calculators are built, verified, and run
How the calculators handle your inputs, where their figures come from, and how they are checked.
Client-Side Isolation
Every calculation occurs entirely within your browser's local memory using pure JavaScript and local state. When you calculate tax liability or debt amortization, your financial inputs never leave your browser.
Sourced Figures
Tax limits, rates, and thresholds are taken from agency publications such as IRS revenue procedures, notices, and publications, and Services Australia for the Age Pension. Most pages list the publications their figures come from.
How Figures Are Checked
When a page is updated, its worked examples and tables are regenerated by running the calculator's own code rather than typed by hand, and its tax figures are rechecked against their sources.