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Financial Planning Calculators

Plan mortgages, estimate taxes, crush debt, and build wealth with free browser-based calculators. No login required; calculator inputs stay in your browser where supported.

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Explore the Toolkit

Every tool is engineered for speed and practical planning.

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Mortgage & Home

Mortgage Calculator

Estimate monthly payments including principal, interest, taxes, and insurance.

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Affordability

Find out how much house you can afford based on income and debts.

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Down Payment

Calculate your down payment target and see PMI breakpoints.

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Rent vs Buy Refinance Amortization

Tax & Paycheck

US Paycheck

Estimate your US take-home pay after federal and state taxes.

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Tax Withholding

Check if your W-4 withholding matches your actual tax liability.

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1099 Freelance Tax

Estimate self-employment tax, quarterly payments, and deductions.

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Quarterly Tax Capital Gains UK Take-Home Pay

Debt & Savings

Debt Payoff

Compare snowball vs avalanche strategies to eliminate debt faster.

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Emergency Fund

Calculate your ideal 3, 6, or 12-month emergency cash buffer.

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Budget Planner

Build a monthly budget using the 50/30/20 rule and track spending.

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Student Loans Credit Card Payoff Savings Goal

Retirement & Wealth

Retirement

Project your retirement corpus using the 4% safe withdrawal rule.

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401(k) Calculator

Estimate your 401(k) balance with employer match and growth.

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FIRE Calculator

Find your financial independence number using the 25x rule.

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Compound Interest Roth IRA Net Worth

Build Your Path to Financial Independence

Use our FIRE calculator to find your independence number, then map it with retirement projections, savings rates, and debt elimination strategies.

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Calculations you can trust.

Our calculators use published formulas and clearly stated assumptions. Rules and rates change, so verify important results against current official documentation.

Source-aware estimates
Browser-first calculations
Transparent assumptions

PenGenie is independent and is not a government or official tax service. Use the results as planning estimates and verify important figures with current official documentation.

Our Methodology

Take control of your finances.

Read practical guides on mortgages, taxes, debt payoff, savings, and retirement planning.

Read the Guides