Precision financial calculators, backed by mathematical proofs
Zero floating-point drift. 34-digit IEEE 754-2008 decimal precision. Sourced from CFPB Regulation Z, IRS publications, and statutory benchmarks with exact schedule reconciliation.
Exact Decimal Arithmetic
All currency values utilize 34-digit precision decimal.js with ROUND_HALF_UP. Schedules absorb rounding discrepancies to guarantee sum of principal equals original loan amount.
20 Reusable Math Primitives
No bespoke formulas in page templates. All computations route through standardized, audited modules in /engine/primitives/ covering TVM, Day Count, Amortization, and Brackets.
Independent Golden Vectors
Every calculator is verified against independently sourced test vectors from CFPB disclosures, IRS revenue procedures, and HP-12C hardware baselines before release.
Mortgage Payoff Calculator
Model how extra monthly payments or one-time principal curtailments eliminate years off your mortgage and save tens of thousands in cash interest.
Financial calculation domains
Browse the core catalog of mathematical tools spanning 8 institutional clusters.
Lending & Mortgages
Institutional mortgage amortization, debt consolidation, APR and financing mechanics.
Tax & Brackets
2026 statutory federal marginal tax brackets, FICA payroll withholdings, state personal income taxes, and corporate tax models.
Real Estate & Property
Property valuation, capitalization rates, cash-on-cash yield, DSCR underwriting, and depreciation schedules.
Retirement & FIRE
401(k) compounding, Roth conversions, safe withdrawal rates (SWR), RMD actuarial tables, and Social Security.
Business & Corporate
Corporate finance, break-even unit economics, gross margin vs markup, WACC hurdle rates, and working capital DSO.
Investing & Returns
Time-value-of-money compounding, DCF valuation, IRR root-finding, CAGR geometric returns, and portfolio yield.
Bonds, Options & Markets
Black-Scholes option Greeks, fixed-income bond yield to maturity, and Treasury curves.
Personal Finance
Emergency fund sizing, 50/30/20 budget allocations, HSA triple-tax optimization, and cost of living comparisons.
Institutional calculator catalog
Search or filter the full catalog. Every tool runs exact calculations with interactive sliders, scenarios, charts, and CSV schedule exports.
Section 1031 Exchange Tax Deferral Calculator
Compute exact 1031 Deferral metrics with full schedules and charts.
401(k) Retirement Calculator (with Employer Match & Compounding)
Calculate 401(k) retirement balance, compound growth, and employer match optimizations under 2026 IRS contribution limits.
Rule 72(t) SEPP Calculator (Early Penalty-Free Distributions)
Compute exact 72t SEPP Annuity metrics with full schedules and charts.
Accounts Receivable Turnover Calculator
Compute exact AR DSO metrics with full schedules and charts.
Alabama Auto Loan Calculator (with Alabama Sales Tax & Fees)
Calculate monthly car loan payments in Alabama including principal, interest, and Alabama state vehicle sales tax (2%).
Alabama Capital Gains Tax Calculator
Calculate Alabama state capital gains tax on investment profits, stocks, and crypto assets sold, based on your total taxable income and holding period.
Alabama Corporate Tax Calculator (C-Corp State Tax)
Calculate Alabama state (6.5%) corporate income tax obligations and net after-tax corporate profit on pre-apportioned taxable income.
Alabama Cost of Living Calculator (Purchasing Power & Relocation Index)
Compare your purchasing power and household budget needed in Alabama relative to the national average (COL Index: 96).
Alabama Estate Tax Calculator (2026 Exemption Limits & Inheritance Liabilities)
Calculate Alabama state estate tax obligations, taxable estate value, and allowable marital/charitable deductions.
Alabama Mortgage Calculator (with Alabama Property Taxes & Insurance)
Calculate monthly mortgage payments in Alabama including principal, interest, local Alabama property taxes (0.41%), and insurance.
Alabama Paycheck Calculator (2026 Take-Home Pay)
Calculate your net take-home pay in Alabama after 2026 federal income tax brackets, FICA payroll withholdings, and Alabama state income tax (5% rate).
Alabama Property Tax Calculator (Assessed Value & Millage Rates)
Estimate annual and monthly Alabama real estate property taxes based on fair market value, assessment ratios, and 0.40% effective millage.
Alabama Real Estate Transfer Tax Calculator
Compute exact Alabama Deed Stamp metrics with full schedules and charts.
Alabama Sales Tax Calculator (State & Local Rates)
Calculate Alabama state (4%) and local sales tax on purchases and total transaction costs.
Alaska Auto Loan Calculator (with Alaska Sales Tax & Fees)
Calculate monthly car loan payments in Alaska including principal, interest, and Alaska state vehicle sales tax (0%).
Alaska Capital Gains Tax Calculator
Calculate Alaska state capital gains tax on investment profits, stocks, and crypto assets sold, based on your total taxable income and holding period.
Alaska Corporate Tax Calculator (C-Corp State Tax)
Calculate Alaska state (graduated, up to 9.4%) corporate income tax obligations and net after-tax corporate profit on pre-apportioned taxable income.
Alaska Cost of Living Calculator (Purchasing Power & Relocation Index)
Compare your purchasing power and household budget needed in Alaska relative to the national average (COL Index: 108).
Alaska Estate Tax Calculator (2026 Exemption Limits & Inheritance Liabilities)
Calculate Alaska state estate tax obligations, taxable estate value, and allowable marital/charitable deductions.
Alaska Mortgage Calculator (with Alaska Property Taxes & Insurance)
Calculate monthly mortgage payments in Alaska including principal, interest, local Alaska property taxes (1.22%), and insurance.
Alaska Paycheck Calculator (2026 Take-Home Pay)
Calculate your net take-home pay in Alaska after 2026 federal income tax brackets, FICA payroll withholdings, and Alaska state income tax (0% rate).
Alaska Property Tax Calculator (Assessed Value & Millage Rates)
Estimate annual and monthly Alaska real estate property taxes based on fair market value, assessment ratios, and 1.18% effective millage.
Alaska Real Estate Transfer Tax Calculator
Compute exact Alaska Deed Stamp metrics with full schedules and charts.
Alaska Sales Tax Calculator (State & Local Rates)
Calculate Alaska state (0%) and local sales tax on purchases and total transaction costs.
Altman Z-Score Calculator (Bankruptcy Predictor)
Compute exact Z-Score metrics with full schedules and charts.
Fixed Immediate Annuity Payout Calculator (SPIA)
Compute exact SPIA Monthly Cash Flow metrics with full schedules and charts.
Arizona Auto Loan Calculator (with Arizona Sales Tax & Fees)
Calculate monthly car loan payments in Arizona including principal, interest, and Arizona state vehicle sales tax (5.6%).
Arizona Capital Gains Tax Calculator
Calculate Arizona state capital gains tax on investment profits, stocks, and crypto assets sold, based on your total taxable income and holding period.
Arizona Corporate Tax Calculator (C-Corp State Tax)
Calculate Arizona state (4.9%) corporate income tax obligations and net after-tax corporate profit on pre-apportioned taxable income.
Arizona Cost of Living Calculator (Purchasing Power & Relocation Index)
Compare your purchasing power and household budget needed in Arizona relative to the national average (COL Index: 96).
Arizona Estate Tax Calculator (2026 Exemption Limits & Inheritance Liabilities)
Calculate Arizona state estate tax obligations, taxable estate value, and allowable marital/charitable deductions.
Arizona Mortgage Calculator (with Arizona Property Taxes & Insurance)
Calculate monthly mortgage payments in Arizona including principal, interest, local Arizona property taxes (0.62%), and insurance.
Arizona Paycheck Calculator (2026 Take-Home Pay)
Calculate your net take-home pay in Arizona after 2026 federal income tax brackets, FICA payroll withholdings, and Arizona state income tax (2.5% rate).
Arizona Property Tax Calculator (Assessed Value & Millage Rates)
Estimate annual and monthly Arizona real estate property taxes based on fair market value, assessment ratios, and 0.62% effective millage.
Arizona Real Estate Transfer Tax Calculator
Compute exact Arizona Deed Stamp metrics with full schedules and charts.
Arizona Sales Tax Calculator (State & Local Rates)
Calculate Arizona state (5.6%) and local sales tax on purchases and total transaction costs.
Arkansas Auto Loan Calculator (with Arkansas Sales Tax & Fees)
Calculate monthly car loan payments in Arkansas including principal, interest, and Arkansas state vehicle sales tax (6.5%).
Arkansas Capital Gains Tax Calculator
Calculate Arkansas state capital gains tax on investment profits, stocks, and crypto assets sold, based on your total taxable income and holding period.
Arkansas Corporate Tax Calculator (C-Corp State Tax)
Calculate Arkansas state (graduated, up to 4.3%) corporate income tax obligations and net after-tax corporate profit on pre-apportioned taxable income.
Arkansas Cost of Living Calculator (Purchasing Power & Relocation Index)
Compare your purchasing power and household budget needed in Arkansas relative to the national average (COL Index: 96).
Arkansas Estate Tax Calculator (2026 Exemption Limits & Inheritance Liabilities)
Calculate Arkansas state estate tax obligations, taxable estate value, and allowable marital/charitable deductions.
Arkansas Mortgage Calculator (with Arkansas Property Taxes & Insurance)
Calculate monthly mortgage payments in Arkansas including principal, interest, local Arkansas property taxes (0.62%), and insurance.
Arkansas Paycheck Calculator (2026 Take-Home Pay)
Calculate your net take-home pay in Arkansas after 2026 federal income tax brackets, FICA payroll withholdings, and Arkansas state income tax (4.4% rate).
Arkansas Property Tax Calculator (Assessed Value & Millage Rates)
Estimate annual and monthly Arkansas real estate property taxes based on fair market value, assessment ratios, and 0.62% effective millage.
Arkansas Real Estate Transfer Tax Calculator
Compute exact Arkansas Deed Stamp metrics with full schedules and charts.
Arkansas Sales Tax Calculator (State & Local Rates)
Calculate Arkansas state (6.5%) and local sales tax on purchases and total transaction costs.
Auto Loan Calculator
Complete vehicle loan calculator factoring in dealer fees, sales tax offsets from trade-ins, and loan term interest costs.
Backdoor Roth IRA Pro-Rata Tax Calculator
Compute exact Pro-Rata Conversion metrics with full schedules and charts.
Balloon Mortgage Calculator
Compute exact Balloon Loan metrics with full schedules and charts.
Barista FIRE Calculator (Supplemental Income Model)
Compute exact Barista Withdrawal metrics with full schedules and charts.
Beneish M-Score Calculator (Earnings Manipulation)
Compute exact M-Score Index metrics with full schedules and charts.
Biweekly Mortgage Calculator
Compute exact Biweekly Loan metrics with full schedules and charts.
Black-Scholes Option Pricing Calculator
Closed-form Black-Scholes-Merton option pricing engine with full Greeks (Delta, Gamma, Vega, Theta, Rho) and dividend yield support.
Boat Loan Calculator
Compute exact Marine Loan metrics with full schedules and charts.
Bond Yield to Maturity (YTM) Calculator
Fixed income bond pricing engine with Newton-Raphson YTM solver, Macaulay/Modified duration, and Taylor series yield shock modeling.
Bonus Depreciation Calculator (Phase-Down Schedule)
Compute exact Bonus Depreciation metrics with full schedules and charts.
Break-Even Calculator
Calculate break-even volume, contribution margin ratio, margin vs markup, and margin of safety buffer.
Bridge Loan Calculator
Compute exact Bridge Debt metrics with full schedules and charts.
CAGR Calculator
Accurate geometric CAGR engine with exact Fisher inflation discounting and capital doubling time analysis.
California Auto Loan Calculator (with California Sales Tax & Fees)
Calculate monthly car loan payments in California including principal, interest, and California state vehicle sales tax (7.25%).
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