Tools
Free financial calculators
Run validated calculators for compound interest, debt payoff, retirement planning, and more.
Calculators
Break-Even Calculator
See how many sales your small business needs each month to stop losing money and start covering its bills.
50/30/20 Budget Calculator
Split take-home pay into needs, wants, and savings with baseline 50/30/20 or custom ratio budgeting in one clear view.
Capital Gains Tax Calculator
Estimate tax on investment sales using cost basis adjustments, selling costs, and short-term versus long-term treatment in one transparent view.
Compound Interest Calculator
Project long-term portfolio growth using principal, recurring contributions, and configurable compounding frequency.
Crypto Tax Calculator
Estimate crypto capital gains tax with holding-period logic, bracket assumptions, and worked examples.
Dollar Cost Averaging Calculator
Compare dollar-cost averaging and lump-sum investing with preset bull/bear/sideways/volatile paths or your own historical monthly prices.
Debt Payoff Calculator
Compare avalanche and snowball payoff plans and inspect month-by-month remaining balances.
Emergency Fund Calculator
Set a 3, 6, 9, or 12-month emergency-fund target, track progress, and estimate time-to-goal from your monthly savings rate.
FIRE Calculator
Estimate your financial independence target, years to FIRE, and progress using savings and spending assumptions.
Home Office Deduction Calculator
Compare IRS simplified and regular home office deduction methods to find the larger deduction for your workspace.
Impermanent Loss Calculator
Compare hold-versus-LP outcomes and estimate impermanent loss from asymmetric token price moves in a constant-product AMM.
Inflation Calculator
Estimate purchasing-power erosion over time and compare nominal amounts against inflation-adjusted value.
Investment Return Calculator
Calculate total return, CAGR, and dollar gain from initial investment, final value, holding period, and dividends received.
Loan Comparison Calculator
Compare loan offers side-by-side with independent amount, rate, term, and fee assumptions to find the lower total-cost option.
Mortgage Calculator
Calculate monthly PITI payment, review an amortization schedule, and compare rate, down-payment, and term sensitivity.
Net Worth Calculator
Calculate net worth with grouped assets and liabilities, concentration insights, and debt-risk ratios in one clear balance-sheet view.
Password Strength Calculator
Test password strength locally with entropy, effective-length penalties, and crack-time estimates across online and offline attack models.
Paycheck Calculator
Estimate take-home pay per paycheck with federal, state, FICA, and 401(k) deductions by pay frequency.
Profit Margin Calculator
Calculate gross, operating, and net profit margins from revenue and expense buckets with health threshold context.
Rental Property ROI Calculator
Estimate monthly cash flow, annual NOI, cap rate, and cash-on-cash return with vacancy and maintenance reserve assumptions.
Retirement Savings Calculator
Estimate retirement savings trajectory, projected income at 4% withdrawal, and savings gap analysis.
Savings Goal Calculator
Plan time-to-goal and required monthly contributions with milestone checkpoints and contribution-versus-growth decomposition.
Subscription Cost Calculator
Normalize weekly, monthly, quarterly, and annual subscriptions into one monthly-equivalent view, then rank your highest recurring costs.
Tax Bracket Calculator
Estimate federal income tax with filing status, deduction strategy, and bracket-by-bracket breakdown showing marginal versus effective rate.
Tip Calculator
Calculate tip amount, total bill, and per-person split with preset or custom tip percentages.
Browse by goal, workflow, or life event
These calculators work best when you approach them through the job you are trying to get done, not as standalone math widgets.
Plan a major decision
Use calculators that connect an upcoming move, purchase, or cash need to the rest of your financial picture.
Improve day-to-day cash flow
Start with budgets, paycheck planning, and debt payoff if your main question is what you can safely spend or save.
Track investing and taxes
Move from isolated calculations to a full investing workflow across returns, cost basis, and tax exposure.
Compare financial tools
See how Clarity stacks up against other personal finance apps with detailed, side-by-side comparisons.
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