Financial Calculators for Money Decisions
SwitchWize calculators
Find the right calculator for the money decision in front of you.
Browse 405+ free calculators for savings, mortgage, debt, credit cards, retirement, taxes, investing, and more. Search a question or jump straight to a category below.
Recommended now
Popular decision tools
529 College Funding Plannerprojected 529 balanceRun Auto Insurance Deductible Decision Plannerannual savingsRun Auto Loan Payment and Affordability Plannermonthly paymentRun Break-Even Decision Plannerbreak-even monthsRun Bridge to Medicare Coverage Plannermonths to MedicareRun Business Valuation Readiness PlannerSDERun Caregiver Cash Flow Plannermonthly care gapRun Collections Settlement Readiness Plannerall-in settlement costRun
Full library
Every calculator by category
Savings & cash
Open category- Break-Even Decision Planner
- Goal Priority Decision Planner
- High-Yield Savings Interest
- HYSA vs CD
- Raise Allocation Next-Dollar Planner
- Savings vs Money Market Fund After-Tax Yield Planner
- Wedding Budget Action Planner
- Where Should Your Next $100 Go?
- Cash Reserve Advisor
- Emergency Fund vs Debt vs 401(k) Match
- FDIC Coverage
- Cash Sweep Rate Gap
- Inflation
- CD Ladder Optimizer
- Checking Account Cost Comparison
- Bonus Tax
- Cash Reserve Runway
- Money Market vs T-Bill vs HYSA
- Monthly Cash Flow
- Paycheck
- Household Savings Rate
- Inflation Impact
- Money Market Account Earnings
- Reward Checking APY
- Savings Goal Contribution Estimate
- State Tax Impact on Cash Yield
- ATM Fee Cost
- Irregular Income Budget
- Overdraft Fee Cost
- Paycheck Split
- Subscription Audit
- Treasury Bill Ladder
- Zero-Based Budget
- Bank Switch ROI
- CD Early Withdrawal Penalty
- CD Yield
- I-Bond vs CD vs Savings
- 50/30/20 Budget
- APY to APR Converter
- Automatic Transfer Planner
- Bonus Allocation
- Cost of Living Comparison
- Direct Deposit Bonus Break-Even
- Household Affordability Stress Test
- Illustrative Financial Health Score
- Income Needed
- Lifestyle Creep
- Monthly Fixed-Cost Cash-Flow Estimate
- Payment
- Scenario Comparison
Mortgage & home
Open category- HELOC vs. Cash-Out Refinance
- HELOC vs. Home Equity Loan
- Home Improvement ROI Decision Planner
- Home Insurance Claim Decision Planner
- Securities-Backed Loan vs. Mortgage
- Mortgage
- ARM vs Fixed Rate Mortgage
- Down Payment
- FHA Loan
- HELOC Payment
- Home Affordability
- Home Equity Loan
- Mortgage Amortization
- Rate Lock vs. Float
- Temporary Mortgage Buydown
- VA Loan Payment and Funding Fee
- Refinance Now vs. Wait Scenario
- Closing Costs
- Conventional PMI Cost and Removal Estimate
- Debt-to-Income Ratio
- Loan-to-Value (LTV)
- Co-Borrower Affordability
- Mortgage Lender Shopping Value
- Mortgage Points Break-Even
- Mortgage Recast
- Rent vs. Buy Horizon Cost Estimate
- Property Tax
- 15 vs 30-Year Mortgage
- Same-Term Refinance Savings Estimate
- Rate Buydown
- Biweekly Mortgage
- Extra Mortgage Payment
- Mortgage Refinance Break-Even and Five-Year Cost Estimate
- Appraisal Gap
- Buy Before Sell Bridge
- Cap Rate
- DSCR
- Escrow
- First-Time Buyer Cash Readiness
- HOA Affordability
- Home Equity
- Home Maintenance Reserve
- House Hacking
- Investment Property Cash Flow
- Jumbo vs Conforming Mortgage
- Mortgage Points
- Reverse Mortgage
- Second Home Affordability
Debt & loans
Open category- Collections Settlement Readiness Planner
- Home Equity Debt Consolidation
- RAP Student Loan Payment Estimator
- Debt Consolidation Router
- Blended Debt Payoff
- Student Loan Refinance
- Minimum Payment Trap
- Student Loan Payoff
- Debt Avalanche vs Snowball
- Balance Transfer Savings
- Credit Card Fixed-Payment Interest
- BNPL Cost
- Credit Score vs APR Cost
- Debt Freedom Date
- Loan APR vs Interest Rate
- Parent PLUS Payoff
- Payday Loan Escape
- Secured Loan vs Unsecured Loan
Credit cards
Open category- Secured Card Graduation Readiness Planner
- Points vs Cash Back Crossover
- Award vs Cash
- Credit Card Annual Fee Value
- Credit Utilization
- Credit Utilization Change
- Points Redemption Value Comparison
- Balance Transfer Break-Even
- Credit Action Direction Simulator
- Credit Card Archetype Comparison
- Fee Reality Check
- True Card Cost
- Credit Card Rewards Worth It
- Cash Back Value
- Transfer Bonus Net Value
- Travel Rewards Setup
- 0% Purchase APR
- Autopay Strategy
- Card Retention Offer
- Category Optimizer
- Foreign Transaction Fee
- Rewards Gap
- Signup Bonus Value Estimate
- Statement Date Utilization Planner
- Student Card Path
Retirement
Open category- Caregiver Cash Flow Planner
- 401(k) vs Roth 401(k)
- Retirement Cash Bucket Planner
- Retirement Drawdown Stress Test
- Social Security Spousal Claiming Strategy
- Why Retirement Calculators Disagree
- Retirement Number
- Coast FIRE Scenario
- FIRE Planning Scenario
- Roth IRA
- Roth vs Traditional IRA
- 401(k) Contribution Optimizer
- Annuity Payout
- Healthcare Cost in Retirement
- Pension Lump Sum vs Annuity
- Retirement Withdrawal Readiness Heuristic
- Safe Withdrawal Rate
- Sequence Risk
- Social Security Claiming Age Scenario
Taxes
Open category- 529 College Funding Planner
- Healthcare FSA Election Planner
- HSA Triple-Tax Advantage Planner
- Retirement State Tax Relocation Planner
- OBBBA Selected-Provisions Scenario
- Capital Gains Tax
- Federal Tax & Refund Estimator
- Investment Return
- Retirement Income Planner
- Retirement Paycheck Builder
- Traditional vs. Roth vs. Taxable Brokerage
- S Corp Breakeven
- Arizona Income Tax Planning
- Arizona Paycheck Planning
- California Income Tax Planning
- California Paycheck Planning
- Colorado Income Tax Planning
- Colorado Paycheck Planning
- Florida Income Tax Planning
- Florida Paycheck Planning
- Georgia Income Tax Planning
- Georgia Paycheck Planning
- HSA Eligibility Checker & Contribution
- Illinois Income Tax Planning
- Illinois Paycheck Planning
- Itemize or Standard Deduction Screening
- Mandatory Roth Catch-Up (SECURE 2.0)
- Maryland Income Tax Planning
- Maryland Paycheck Planning
- Massachusetts Income Tax Planning
- Massachusetts Paycheck Planning
- Mega Backdoor Roth 401(k)
- Michigan Income Tax Planning
- Michigan Paycheck Planning
- Minnesota Income Tax Planning
- Minnesota Paycheck Planning
- Nevada Income Tax Planning
- Nevada Paycheck Planning
- New Jersey Income Tax Planning
- New Jersey Paycheck Planning
- New York Income Tax Planning
- New York Paycheck Planning
- North Carolina Income Tax Planning
- North Carolina Paycheck Planning
- Ohio Income Tax Planning
- Ohio Paycheck Planning
- Pennsylvania Income Tax Planning
- Pennsylvania Paycheck Planning
- RSU Vest Withholding and Tax Reserve
- Texas Paycheck Planning
- Virginia Income Tax Planning
- Virginia Paycheck Planning
- Washington Income Tax Planning
- Washington Paycheck Planning
- Roth Conversion Window
- Alabama Income Tax Planning
- Alabama Paycheck Planning
- Alaska Income Tax Planning
- Alaska Paycheck Planning
- Arkansas Income Tax Planning
- Arkansas Paycheck Planning
- Connecticut Income Tax Planning
- Connecticut Paycheck Planning
- Delaware Income Tax Planning
- Delaware Paycheck Planning
- ESPP Qualifying vs Disqualifying Disposition
- Hawaii Income Tax Planning
- Hawaii Paycheck Planning
- Idaho Income Tax Planning
- Idaho Paycheck Planning
- Indiana Income Tax Planning
- Indiana Paycheck Planning
- Iowa Income Tax Planning
- Iowa Paycheck Planning
- Kansas Income Tax Planning
- Kansas Paycheck Planning
- Kentucky Income Tax Planning
- Kentucky Paycheck Planning
- Louisiana Income Tax Planning
- Louisiana Paycheck Planning
- Maine Income Tax Planning
- Maine Paycheck Planning
- Mississippi Income Tax Planning
- Mississippi Paycheck Planning
- Missouri Income Tax Planning
- Missouri Paycheck Planning
- Montana Income Tax Planning
- Montana Paycheck Planning
- Nebraska Income Tax Planning
- Nebraska Paycheck Planning
- New Hampshire Income Tax Planning
- New Hampshire Paycheck Planning
- New Mexico Income Tax Planning
- New Mexico Paycheck Planning
- North Dakota Income Tax Planning
- North Dakota Paycheck Planning
- Oklahoma Income Tax Planning
- Oklahoma Paycheck Planning
- Oregon Income Tax Planning
- Oregon Paycheck Planning
- Rhode Island Income Tax Planning
- Rhode Island Paycheck Planning
- South Carolina Income Tax Planning
- South Carolina Paycheck Planning
- South Dakota Income Tax Planning
- South Dakota Paycheck Planning
- Tax-Loss Harvesting Scenario
- Tennessee Income Tax Planning
- Tennessee Paycheck Planning
- Texas Income Tax Planning
- Utah Income Tax Planning
- Utah Paycheck Planning
- Vermont Income Tax Planning
- Vermont Paycheck Planning
- West Virginia Income Tax Planning
- West Virginia Paycheck Planning
- Wisconsin Income Tax Planning
- Wisconsin Paycheck Planning
- Wyoming Income Tax Planning
- Wyoming Paycheck Planning
- Federal and State Estate Tax Screening
- Child Tax Credit
- Flat-Rate State and Local Tax Estimator
- Inflation-Adjusted Return
- Mortgage Interest Deduction
- Standard vs Itemized Deduction
- 529 vs. Brokerage vs. Student Loan Scenario
- Retirement Year
- 1031 Exchange
- 529 State Deduction Scenario Estimator
- AMT
- Asset Location
- Backdoor Roth
- Catch-Up Contribution
- Charitable Deduction Limits Estimator
- Charitable Giving Appreciated Stock
- Concentrated Stock Diversification
- Dividend Income
- Donor-Advised Fund Bunching
- EITC
- ETF vs Mutual Fund Tax Cost
- Executive Deferred Compensation
- Federal Tax Bracket and Effective Rate
- Freelance & Self-Employed Tax
- Gift Tax Annual Exclusion
- ISO Exercise
- K-1 Estimated Tax
- Liquidity Event Tax
- Marginal vs Effective Tax Rate
- Multi-State Residency Tax
- Muni Bond Tax-Equivalent Yield
- NIIT
- NSO Exercise
- Portfolio Income Tax
- Pre-IPO Equity Outcome
- Quarterly Estimated Tax
- Roth IRA vs High-Yield Savings
- Self-Employment Tax
- Social Security Payroll Tax
- Student Loan Interest Deduction
- Tax Bracket Fill-Up
- Taxable vs Tax-Advantaged
- Traditional IRA Deduction
- W-2 vs 1099
Investing
Open category- Dependent Care FSA Decision Planner
- Family Leave Cash-Flow Planner
- Compound Interest
- Investment Fee Scenario Comparison
- Investment Fee Scenario Comparison
- Net Worth Projection
- Portfolio Rebalancing
- Risk Tolerance
- Alternative Investment Capital Call Planner
- Alternative Investment Liquidity
- Baby Budget
- Charitable Remainder Trust Scenario Estimator
- Childcare Cost
- College Savings
- Dollar-Cost Averaging vs Lump Sum
- Education ROI
- Family Office Cash Dashboard
- Future Value
- GRAT
- Household Balance Sheet Risk
- HSA
- ILIT Premium Funding
- Illustrative Asset Allocation
- Margin Call Stress
- Present Value
- Private Credit Allocation
- Private School Affordability
- QSBS Exclusion Scenario
- Required Return
Auto
Open category- Auto Loan Payment and Affordability Planner
- Vehicle Maintenance Reserve Planner
- Car Loan Interest Deduction
- Buy vs Lease Car
- Auto Loan Refinance Escape
- Personal Loan
- Auto Loan Interest
- Personal Loan Refinance
- Rebate vs Low APR
- Car Payment Guideline
- Dealer Markup
- EV vs Gas Total Cost
- Loan Comparison
- Negative Equity Auto
- Trade-In vs Private Sale
Insurance
Open category- Auto Insurance Deductible Decision Planner
- Bridge to Medicare Coverage Planner
- Elder Care Budget Funding Planner
- HDHP/HSA vs PPO Decision Planner
- Long-Term Care Funding Gap Planner
- Long-Term Care Insurance Fit Planner
- Pet Insurance vs Self-Insure Planner
- Renters Insurance Coverage Gap Planner
- Five-Year Car Ownership Cost Scenario
- Life Insurance Needs Starting Estimate
- Disability Income Gap Estimate
- Homeowners Deductible
- Insurance Impact on Car Affordability
- Liability Exposure
- Term vs Whole Life
- Umbrella Insurance
Business owner
Open categoryAdvanced planning
Open categoryNot sure which calculator you need?
Money Map ranks the biggest money opportunities across your cash, mortgage, and cards, then points you to the calculator that matters first.
Start Money Map