Free to calculate — and a free account saves the answer and keeps it up to date once you connect your accounts. Every calculator here runs the same engine as Hunch’s in-app planning tools, with federal and state tax brackets and FICA built in.
Get started freeBuying, renting or financing a place to live — what the payment actually costs you each month, and whether the numbers work before you commit.
Payment, amortization, and prepay-vs-invest comparison.
How much house you can afford based on income and debt.
Compare projected net worth from renting vs. owning.
Monthly payment and total interest on an auto loan.
Break any mortgage into a month-by-month schedule and see where every payment actually goes.
Model an extra payment, a lump sum or bi-weekly payments against your payoff date.
Compare a new rate and term against what is left of your existing mortgage.
Turn a home value and a balance into an LTV ratio, your equity, and the distance to any threshold you set.
How long until you have the down payment you want — and what the money you already have supports.
Interest-only against amortizing on a home equity line — both payments and what the difference costs.
What a balance really costs, how long it takes to clear, and whether avalanche or snowball gets you there faster.
Months to debt-free, and how extra payments help.
What a balance costs at your APR — and what each extra $25 a month takes off it.
Enter your card’s minimum-payment rule and see what paying only the minimum really costs.
Your blended APR across every debt, against one consolidation loan — payment and total interest.
Where your money goes now, what it grows into later, and how close you already are to the number you need.
Project how savings or investments grow over time.
Your savings rate and time to hit a target.
See what a high-yield savings account really pays — the APY behind the quoted rate, interest over time, and the tax on it.
Add up assets and liabilities for a full picture.
Check needs, wants, and savings against the classic split.
Your financial independence number and Coast FIRE crossover.
The balance that reaches your FIRE number with nothing added.
The smaller portfolio you need when part-time work covers part of the bill.
A FIRE number built from a bare-bones budget, priced line by line.
A high-spending FIRE target, grossed up for the tax on withdrawals.
How many months of essential spending to hold, and how long it takes to save.
Save a known amount by a known date, across several goals at once.
Income tax saved, the payroll tax a payroll-deducted contribution also escapes, and what the balance grows to if you invest it instead of spending it.
What the account is worth by enrollment, what the whole programme costs by then with each year inflated separately, and the monthly amount that closes the gap.
Split the rent and the rest of the shared bills in proportion to what each person earns, and see the share of income it takes from each of you.
What a recurring charge totals over five, ten and twenty years once the price increases compound, and what the same payments would have been worth invested.
What an amount will be worth later, and what today’s prices become — at a rate you set.
Is your raise a raise? Your new salary in today’s dollars, and the one you needed to stand still.
Registered accounts, government benefits and withdrawal order — modelled together, because they only make sense together.
Canada (CPP/OAS/RRSP/TFSA) or US (Social Security/401k/IRA).
Tax-aware 401(k)/IRA/Roth drawdown with Social Security timing.
Employee deferral, employer match, the annual limit with catch-up, and what the balance grows to by the time you retire.
The comparison done properly: both routes cost the same take-home pay today, so the answer turns on the rate change rather than on how much you put in.
The federal tax on converting, the effective rate you pay on it, and how much room is left in your bracket before the next rate starts.
What the IRS requires you to withdraw from a traditional 401(k) or IRA each year from age 73, year by year, and what it adds up to.
What claiming at each age from 62 to 70 does to your monthly benefit, and the age at which waiting overtakes claiming early.
Take-home pay after federal and regional tax and payroll deductions, for every Canadian province and territory and all 50 US states plus DC.
Take-home pay calculators for every province and US state.
Social Security and Medicare tax on your wages, self-employment tax on everything else, the 0.9% surtax, and the matching share your employer pays.
Take-home on a US salary and a Canadian one, side by side, and the gross on each side that leaves the same amount in hand at an exchange rate you set.
Every federal and state bracket, with the rate you actually pay at each income.
Two states side by side, at six salaries, with the annual gap in dollars.
Hourly, daily, weekly, biweekly, semi-monthly, monthly and annual — gross and net.
Start from the decision you are actually making, not from the number you want. If you are deciding whether to do something — buy instead of rent, borrow instead of save, retire at 60 instead of 65 — you want a comparison tool: rent vs. buy or the retirement planner. If you have already decided and want to know how much or how long, you want a projection: the mortgage, debt payoff, compound growth or FIRE calculators.
A second question is whose numbers you are using. The income tax calculator depends on published federal and state brackets and is only as current as those tables — it shows the date its figures were last verified. The mortgage, budgeting and net-worth calculators depend on nothing but what you type, so they never go stale.
If you are not sure where to start, the honest default is the budget calculator followed by the savings-rate calculator. Almost every other number on this page is downstream of how much you keep each month, and most people are surprised by their own figure.
No — every calculator on this page runs entirely in your browser, and needs no email address and no bank connection to give you an answer. A free account is what saves that answer and keeps it current against the real accounts behind the numbers.
The income tax calculator uses federal brackets, the standard deduction and FICA, and covers all 50 states plus Washington, D.C. The mortgage, budgeting, debt, net-worth and compound-growth calculators are arithmetic on your own inputs and work anywhere.
Every page that depends on published tax figures shows the month those figures were last checked against the source — the IRS for federal brackets and FICA, each state’s revenue department for state ones — alongside a link to that source. The calculators that depend only on your own inputs carry a last-updated date for the page itself.
Yes. Changing an input updates the page URL, so copying the address bar sends someone the exact scenario you are looking at rather than a blank calculator.
Connect your real accounts and Hunch keeps every calculation on this page current automatically.
Get started free