Finance
Roth vs. Traditional: Which Retirement Account Wins?
It comes down to one question: will your tax rate be higher now or in retirement? Here's how to decide.
Finance calculators
Make confident money decisions in seconds
From your next mortgage payment to your quarterly tax bill, these calculators run the real math on 2026 federal figures — so you can compare offers, plan ahead, and stop guessing.
Tax planning
Brackets, self-employment tax, refunds, quarterly payments, QBI, and capital gains on 2026 figures.
Loans & mortgages
Monthly payments, total interest, refinance break-even, and debt-payoff timelines.
Saving & retirement
Compound interest, HSA growth, Roth conversions, and 401(k) projections with employer match.
The tools
24 finance calculators
- Self-Employment Tax Calculator
- Tax Bracket Calculator
- Tax Refund Estimator
- Mileage Deduction Calculator
- 1099 vs W-2 Calculator
- Mortgage Payment Calculator
- Auto Loan Calculator
- Compound Interest Calculator
- Capital Gains Tax Calculator
- Quarterly Estimated Tax Calculator
- QBI Deduction Calculator
- Roth Conversion Calculator
- HSA Calculator
- Mortgage Refinance Calculator
- Personal Loan Calculator
- Debt Payoff Calculator
- Retirement / 401(k) Calculator
- 15 vs 30 Year Mortgage Calculator
- Roth vs Traditional Calculator
- S-Corp Tax Savings Calculator
- 1099 Tax Calculator
- 401(k) Calculator
- Sales Tax Calculator
- Paycheck Calculator
Tax, loans, and savings — without the spreadsheet
Money decisions hinge on numbers that are tedious to work out by hand: amortization schedules, marginal versus effective tax rates, self-employment tax, compound growth over decades. Get them wrong and you under-withhold, overpay interest, or undersave for retirement. Our finance calculators do the arithmetic instantly so you can focus on the decision.
The tax tools are built on projected 2026 federal brackets, standard deductions, and FICA limits, matching the figures our partner tax sites publish. The loan and savings tools use the same amortization and compounding math your bank uses. Everything runs in your browser — nothing you enter is stored or sent anywhere.
Use them to compare a W-2 offer against a 1099 contract, project a refund, size a quarterly estimated payment, or see how a few extra dollars a month compounds over thirty years. Then dig into the guides for the why behind the numbers.
Guides
Read up on finance
Finance
How Self-Employment Tax Works for Freelancers
Self-employment tax is the 15.3% Social Security and Medicare freelancers pay on their own. Here's how it's calculated.
Finance
Marginal vs. Effective Tax Rate: What's the Difference?
Your marginal rate applies to your next dollar; your effective rate is what you actually pay overall. Here's why they differ.
Frequently asked questions
- Are the tax calculators up to date?
They use projected 2026 federal brackets, standard deductions, and FICA limits. They're planning estimates, not tax advice — verify against irs.gov and consult a CPA for filing.
- Is my financial information saved?
No. Every calculator runs entirely in your browser. Nothing you type is transmitted, logged, or stored.
- Can these replace an accountant or advisor?
No — they're fast estimates to inform your decisions and conversations. For filing, large transactions, or retirement planning, work with a licensed professional.