Wealth Building & Investing

Home Loan Calculator

Enter the loan amount, interest rate, and loan term to calculate the monthly payment, total repayment, and total interest. Supports the equal principal-and-interest repayment method.

Mortgage Refinance Calculator — Break-Even & Total Savings

Compare your current mortgage with a refinance. Estimate monthly savings, remaining interest, closing-cost break-even time, and total lifetime savings.

HELOC Repayment Calculator — Draw Period vs. Repayment Period

Estimate how your HELOC payment changes when the interest-only draw period ends and the fully amortizing repayment period begins. See the total interest and payment increase.

Cash-Out Refinance Calculator | Compare Tapping Equity vs. a Separate Loan

Compare a cash-out refinance, where you take a new mortgage larger than your current balance to receive the difference in cash, against keeping your current loan and borrowing the same amount through a separate loan.

Home Equity Loan Calculator | Monthly Payment, Total Interest & Combined Loan-to-Value (CLTV)

Calculate the monthly payment and total interest for a fixed-rate, lump-sum home equity loan (second mortgage) taken on top of your existing mortgage, plus your combined loan-to-value (CLTV) ratio.

HELOC vs. Home Equity Loan Calculator

Compare a HELOC (line of credit) against a fixed-rate home equity loan for the same amount borrowed. See side-by-side monthly payments, total interest, total cost, and combined loan-to-value (CLTV).

DTI Calculator (Debt-to-Income Ratio)

Calculate your front-end DTI (housing only) and back-end DTI (all debts) from your monthly income and housing, auto loan, student loan, and credit card payments, and see how you compare to common mortgage lending guideli...

Home Affordability Calculator

Estimate how much house you can afford from your monthly income, existing debt payments, down payment, interest rate, and loan term, using both a conservative 28/36-rule scenario and a maximum FHA-style approval scenario...

Net Worth Calculator

Enter your assets (cash, investments, retirement accounts, real estate, vehicles) and liabilities (mortgage, auto loan, credit cards) by category to calculate your net worth and see a breakdown chart of each side.

Mortgage Repayment Method Comparison (Equal Installment vs Equal Principal)

Enter the loan amount, interest rate, and term to compare the monthly payment, total repayment, and total interest of equal installment repayment versus equal principal repayment, side by side.

Debt Payoff Calculator (Snowball vs. Avalanche)

Enter each debt's balance, interest rate, and minimum payment along with your extra monthly payment to compare the Snowball method (smallest balance first) and the Avalanche method (highest rate first) for payoff time an...

Auto Loan Calculator

Enter the vehicle price, down payment, trade-in value, interest rate, and loan term to calculate the monthly payment, total payment, and total interest for your car loan.

Car Lease Payment Calculator

Enter the vehicle price, down payment, residual value rate, interest rate, and lease term to calculate your monthly lease payment, total payment, and total interest.

Auto Loan vs Lease Comparison

Enter the vehicle price, down payment, interest rate, and term to compare the monthly payment and total cost of buying with an auto loan versus leasing, side by side.

Car Depreciation Calculator

Estimate how much a car will be worth in the future. Enter the purchase price and this calculator models the typical curve of a large first-year drop followed by a gradually declining rate.

Car Affordability Calculator (20/4/10 Rule)

Estimate how much car you can afford based on your income, existing debt, down payment, loan term, and interest rate, using the 20/4/10 rule. See the maximum loan amount and vehicle price you can comfortably manage.

Car Total Cost of Ownership (TCO) Calculator

Calculate the true cost of owning a car by combining loan interest, fuel, insurance, maintenance, and depreciation loss over your ownership period into one total cost of ownership figure.

Rent vs Buy Comparison Simulator

Compare the total cost of renting versus buying a home, factoring in the mortgage, property tax, maintenance, and resale value, and see the break-even year when buying starts to pay off.

Savings & Investment Calculator — Lump Sum + Monthly, Year by Year

Combine an initial lump sum with monthly contributions and see your compound growth broken down year by year — principal vs. investment returns at every step, not just a final number.

CD Calculator (Certificate of Deposit)

Free CD calculator: enter your deposit, APY, and term to estimate your certificate of deposit payout, then compare it against a high-yield savings account (HYSA).

Money Market Account Calculator (CD vs. HYSA vs. MMA)

Free money market account calculator: enter your deposit and term to compare a CD, a high-yield savings account (HYSA), and a money market account (MMA) side by side.

CD Ladder Calculator

Free CD ladder calculator: split a deposit across staggered CD terms, reinvest each rung as it matures, and project your balance and effective yield over time.

T-Bill Calculator (Treasury Bill Yield)

Free T-Bill calculator: enter a Treasury bill's face value, term, and purchase price or discount rate to get its bank discount yield, investment yield, and effective annual yield.

New NISA Simulator (Tsumitate & Growth Investment Quotas)

Enter your monthly Tsumitate (installment) investment and annual Growth investment amounts along with an expected return, and simulate the future tax-free balance under Japan's New NISA lifetime limit — plus how much tax...

Investment Return Calculator (Free Compound Interest Simulator)

Free tool to simulate the future value of your investment. Enter principal, annual rate, period, and compounding frequency to see year-by-year growth in an interactive chart.

Capital Gains Tax Calculator (US Federal)

Free capital gains tax calculator: enter your purchase price, sale price, holding period, and other taxable income to estimate the US federal tax on a long-term or short-term gain.

Learn Technical Indicators (MACD, RSI, Bollinger Bands)

Learn how MACD, RSI, Bollinger Bands, and moving averages (SMA/EMA) work with an interactive sample chart, including common buy/sell signal patterns.

Inflation Calculator

Enter your amount, annual inflation rate, and time period to simulate the erosion of purchasing power. Useful for retirement planning and long-term savings analysis.

Retirement Savings Calculator

Enter your current age, retirement age, savings, expected return, monthly expenses, and pension to calculate how much you need to save each month to reach your retirement goal.

401k Calculator (Employer Match & Roth vs. Traditional)

Free 401k calculator with employer match. Enter your age, salary, and contribution rate to project your retirement balance and compare Traditional vs. Roth 401(k) tax treatment.

IRA Calculator (Traditional vs Roth)

Enter your age, estimated income (MAGI), and annual contribution to project your U.S. IRA (Traditional IRA or Roth IRA) balance at retirement, including any reduction to your contribution or deduction from income limits.

SEP IRA Calculator (Self-Employed Contribution Limit)

Enter your annual self-employment net profit or W-2 compensation to estimate the maximum contribution you can make to a U.S. SEP IRA. Uses the effective 20% rate for self-employed individuals and 25% for W-2 compensation...

Solo 401(k) Calculator (Self-Employed Individual 401k)

Enter your annual net profit (or W-2 compensation) and age to estimate the maximum contribution to a US Solo 401(k), an individual 401(k) for self-employed business owners with no employees, split into employee deferral...

Backdoor Roth IRA Calculator (Pro-Rata Rule)

Enter your existing Traditional IRA balance, nondeductible contributions, and conversion amount to estimate the taxable portion of a Backdoor Roth IRA conversion under the IRS pro-rata rule.

Mega Backdoor Roth Calculator (401(k) After-Tax Contribution Room)

Enter your age and your employee and employer 401(k) contributions to estimate the after-tax contribution room available for a mega backdoor Roth, based on the IRS Section 415 annual limit.

RMD Calculator (Required Minimum Distribution)

Free RMD calculator for 2026. Enter your age and prior December 31 IRA balance to estimate your Required Minimum Distribution and five-year withdrawal schedule.

Coast FIRE Calculator

Enter your current age, portfolio value, expected return, and target retirement number to see whether you've already reached Coast FIRE — the point where growth alone gets you to your goal without any more contributions.

Barista FIRE Calculator

Enter your current portfolio value, expected annual expenses, expected part-time income, and safe withdrawal rate (like the 4% rule) to see whether your portfolio withdrawals plus part-time income can cover your living e...

Savings Rate & Financial Independence (FI) Calculator

Enter your monthly take-home income and expenses to calculate your savings rate, then see roughly how many years it would take to reach financial independence (25 times your annual expenses, based on the 4% rule).

Real Estate Investment Calculator

Enter property price, purchase costs, monthly rent, vacancy rate, and annual expenses to calculate gross yield, net yield, monthly cash flow, and payback period.

Japanese Inheritance Tax Simulator | Estimate Tax From Estate Value and Heirs

Estimate Japan's inheritance tax by entering the total estate value and heir composition (spouse, number of children). Calculates the taxable estate after the basic exemption and the total tax using the National Tax Agen...

Lifetime Gift Planner | Simulate Annual Gifting vs. Inheritance Tax (Japan)

Enter your total estate value, heir composition, and a planned annual gift amount to compare the combined gift tax and inheritance tax burden of Japan's annual gift exemption (暦年贈与) against doing no lifetime gifting...

Lump-Sum Gift Settlement Simulator | Estimate Combined Gift & Inheritance Tax (Japan)

A free simulator that estimates the gift tax due under Japan's lump-sum gift settlement system (相続時精算課税) and the final inheritance tax owed when the donor passes away (including the gift tax credit and any refund)...

Life Insurance Inheritance Tax Exemption Calculator | Estimate the Tax Difference

Enter the total death benefit received and the heir composition (spouse, number of children) to estimate the life insurance tax exemption (5 million yen x number of statutory heirs) and the difference in total inheritanc...

Life Insurance Needs Calculator | Estimate How Much Coverage You Need

Enter your current annual income, family composition (spouse, number of children, years until your youngest child becomes independent), existing savings, and expected survivor pension or spouse income to estimate how muc...

Term Life vs Income Protection Insurance Comparison | Compare Premiums for the Same Coverage

Enter your current age, insurance period, and desired coverage amount to compare premiums between level term life insurance and income protection (decreasing term) insurance for free.

Spousal Inheritance Tax Reduction Calculator | First & Second Inheritance Combined

Enter the total estate value, the amount the surviving spouse actually inherits, and the number of children to estimate the tax owed after the spousal tax reduction (exempt up to 160 million yen or the spouse's statutory...

Small-Scale Residential Land Exception Calculator | Reduce Land Value up to 80%

Enter the land's taxable value, site area, and land use type (residential, business, or rental) to estimate the reduction from Japan's small-scale residential land exception and its tax savings on the total inheritance t...

Inheritance Tax Minor & Disability Deduction Simulator | Estimate Deductions and Tax Owed

Enter the total estate value, the statutory heir composition, and the age of the qualifying heir to estimate the deduction and tax owed under Japan's inheritance tax minor deduction (100,000 yen x (18 - age)) and disabil...

Consecutive Inheritance Tax Credit Simulator | Reduce Tax When Inheritance Occurs Within 10 Years

Enter the total estate value, the statutory heir composition, the tax paid on the first inheritance, its net asset value, and the years elapsed to estimate the consecutive inheritance tax credit (Japan's Inheritance Tax...

Foreign Tax Credit Simulator for Inheritance Tax | Ease Double Taxation on Overseas Assets

Enter the total estate value, the statutory heir composition, the value of the overseas property, and the tax charged abroad to estimate the foreign tax credit under Article 20-2 of Japan's Inheritance Tax Act and the ta...

Japanese Inheritance Tax 20% Surcharge Simulator | How Much More Do Non-Spouse/Child Heirs Pay?

Enter the total estate value, the composition of statutory heirs, the relationship of the person receiving the assets, and their acquisition ratio to estimate whether the 20% surcharge under Article 18 of the Japanese In...

Japanese Special Contribution Payment Inheritance Tax Simulator | How Much Tax on a Caregiving Claim?

Enter the total estate value, the composition of statutory heirs, and the special contribution payment amount to estimate the inheritance tax owed by the contributor (including the 20% surcharge) and the adjustment to th...

Spousal Residence Right Valuation Simulator | How Much Is the Inheritance Tax Value?

Enter the building's inheritance tax value, structure type, years since construction, the number of years the spousal residence right will last, and the land value, and this free simulator instantly calculates the inheri...

Base Estate Value Calculator for Forced Heirship | Factor In Lifetime Gifts for an Accurate Figure

Enter the estate value at death, a list of lifetime gifts (amount, timing, and recipient), and the debts, and this free simulator automatically calculates the base estate value for forced heirship under Article 1044 of J...

Forced Heirship Claim Simulator | Did a Will or Gift Leave You Short of Your Reserved Portion?

Enter the estate value, the heirs involved, the claimant's relationship, and the amount they actually received, and this free simulator instantly calculates the forced heirship claim (Article 1046 of Japan's Civil Code).

Forced Heirship Apportionment Calculator | How Multiple Recipients Share the Burden

When there are multiple recipients (of a bequest or lifetime gift) facing a forced heirship claim, this free simulator applies Article 1047 of Japan's Civil Code to work out exactly how much each one owes.

Special Benefit Advancement Calculator | Simulate Each Heir's Concrete Share

Enter the total estate value and each heir's lifetime gifts or bequests (special benefits), and this free simulator automatically calculates the deemed estate, statutory share, and concrete share under Article 903 of Jap...

Contribution Share (Kiyo-bun) Calculator | Simulate Your Concrete Inheritance Share

Enter the total estate value and each heir's contribution amount (business labor, nursing care, etc.) to instantly calculate the deemed estate, statutory share, and concrete inheritance share under Japanese Civil Code Ar...

Combined Special Benefit & Contribution Share Calculator | Simulate Concrete Inheritance Shares in an Estate Division

Enter the total estate value along with each heir's special benefit amount and contribution share amount to instantly calculate the deemed estate, statutory share, and concrete share, accounting for both Civil Code Artic...

Excess Advancement Reapportionment Calculator | Reallocate an Inheritance Fairly

When an heir's lifetime gifts or bequests exceed their rightful share (an "excess advancement heir"), free simulator that excludes them and reapportions the actual estate among the remaining heirs.