Tools
Free tools
Quick, private calculators for common money questions. Each one runs entirely in your browser — nothing you enter is sent anywhere.
Net Worth CalculatorAdd up what you own and owe, and see where you stand.
Federal Tax Bracket Calculator (2026)Estimate your 2026 federal tax, effective rate, and marginal bracket.
Emergency Fund CalculatorSize a 3, 6, or 12-month essentials fund and see the gap to close.
Compound Growth CalculatorWatch contributions and growth combine over time.
1099 vs W-2 Tax Calculator (2026)Compare payroll and federal tax on the same pay as employee vs contractor.
How to get the most out of these tools
Every calculator above follows the same rules: it runs locally in your browser, it displays the formula it uses, and it links to the official source behind each assumption — the IRS for tax brackets and self-employment tax, the SEC’s investor education site for compounding, the Consumer Financial Protection Bureau for consumer guidance. No accounts, no data collection, no email required.
A suggestion on sequencing: start with the net worth calculator to see your current position, use the emergency fund calculator to set your near-term target, and let the compound growth calculator show what long-term investing does with what’s left over. The tax tools — brackets and 1099 vs W-2 — plug into decisions like raises, side income and contract offers as they come up. For the concepts behind each tool, the related guides linked on every calculator page go deeper.