Wealth Building & Investing
These tools cover the calculations behind long-term financial plans. You can model mortgage repayment, refinancing, cash-out refinancing, and a HELOC (home equity line of credit); compare an auto loan with a lease, weigh buying against leasing, and estimate a car's total cost of ownership (TCO) and depreciation; project the future value of regular investing; track your net worth and plan a debt payoff schedule; check your debt-to-income ratio (DTI) and what home or car price fits your budget; and estimate UK Stamp Duty Land Tax (SDLT) in England and Northern Ireland, or Scotland's Land and Buildings Transaction Tax (LBTT), on a property purchase.
For retirement planning, you can compare contribution limits and tax treatment across a 401(k), IRA, SEP IRA, solo 401(k), mega backdoor Roth, and 529 education savings plan, work through a backdoor Roth conversion, estimate a required minimum distribution (RMD), estimate your Social Security retirement benefit, spousal benefit, and survivor benefit across claiming ages 62-70, size the savings needed for Coast FIRE or Barista FIRE, estimate US federal capital gains tax on an investment sale, size a retirement fund against inflation, estimate how much life insurance coverage you need, compare whether a lump sum or annuity payout is worth more, and evaluate a structured settlement factoring company's buyout offer for a long-term lawsuit settlement payment stream.
On the estate side, you can estimate inheritance tax, plan lifetime gifting, and apply the small-scale residential land valuation reduction, alongside a wide range of calculators for Japanese inheritance law: statutory shares (iryubun), advance bequests, contribution shares, the surviving spouse's residence right, the spousal tax reduction, the 20% tax surcharge, the consecutive inheritance credit, the foreign tax credit, the minor's deduction, and how an estate divides among heirs.
If you are deciding where to park spare cash, you can also line up a CD, a high-yield savings account (HYSA), and a money market account (MMA) side by side under the same terms, build a CD ladder, or project the yield on a Treasury bill (T-bill) and the future value of a Series I or Series EE savings bond.