Tool

What it computes

calculate_401k

Projected 401k balance with employee contributions capped at 24500 per year, plus an employer match, compounded annually

calculate_affordability

Maximum home price affordable from household income using the 28/36 rule

calculate_arm_vs_fixed

Worst case adjustable rate mortgage simulation with rate caps, compared with a fixed rate loan on total interest, payments, and the breakeven year

calculate_auto_loan

Monthly payment, amount financed, total interest, and total cost of a car for an auto loan after down payment and trade-in value are subtracted from the vehicle price

calculate_biweekly_mortgage

Interest and time saved by paying half the monthly mortgage payment every two weeks instead of monthly

calculate_capital_gains_tax

Federal tax on ordinary income plus short term gains at ordinary rates, with long term gains stacked at the 0, 15, and 20 percent thresholds for the filing status

calculate_car_affordability

Monthly loan payment plus running costs (insurance, fuel, and maintenance, given as annual amounts), total interest, and the five year cost of a car

calculate_compound_interest

Future value of an investment with monthly contributions and monthly compounding

calculate_credit_card_payoff

Months and interest to clear a credit card balance with a fixed monthly payment, compared with adding an extra monthly payment

calculate_debt_payoff

Simulates paying off a list of debts month by month with minimum payments plus an extra monthly payment, comparing the avalanche method (highest APR first) with the snowball method (smallest balance first), and reports months to payoff

calculate_emergency_fund

Target emergency fund for a chosen number of months of essential expenses, the remaining gap, percent funded, and months to fill it at a monthly savings rate

calculate_income_tax_estimator

Federal income tax after pretax deductions and the standard deduction for the filing status, with AGI, taxable income, marginal rate, and effective rate

calculate_inflation

What an amount in today's dollars will buy after a number of years at a given annual inflation rate, what today's basket will cost then, the cumulative price increase percent, and the purchasing power lost

calculate_lease_vs_buy

Lease outlay over the lease term versus buy outlay net of equity in the car at the same point, with the winning option and the net cost difference

calculate_loan

Monthly payment, total interest, and optional amortization schedule for an amortizing loan

calculate_mortgage

Monthly mortgage payment breakdown: principal and interest via the amortization formula, plus property tax, homeowner insurance, PMI, and HOA

calculate_net_worth

Net worth, total assets, and total liabilities from comma separated asset and liability values, with optional matching names for the largest asset and liability

calculate_paycheck

Per paycheck net pay after federal income tax, FICA (Social Security capped at 184500 of wages, Medicare, and the additional Medicare tax), a flat state tax rate, and pretax deductions

calculate_property_tax_estimator

Annual and monthly property tax from the home value minus any exemption, at the given tax rate, with assessed value and effective rate

calculate_raise_vs_inflation

Whether a raise beats inflation: nominal new salary, inflation adjusted real salary, the real percent change, and a real raise, real pay cut, or flat verdict

calculate_refinance

Refinance break-even month and lifetime savings of refinancing a loan

calculate_rent_vs_buy

Compares the net cost of buying a home (down payment, mortgage payments, tax, insurance, and maintenance, minus principal repaid and appreciation gain) with the total rent paid over the years you plan to stay

calculate_retirement_savings_planner

Projected retirement balance from current savings plus monthly contributions with monthly compounding, total contributions, growth, and a 4 percent rule withdrawal figure

calculate_roth_conversion

Value of converting to a Roth now, with the tax paid out of the converted amount, versus leaving the money in a traditional account taxed at the retirement rate, after growth

calculate_roth_vs_traditional

Compares a Roth and a traditional retirement account at the same pre-tax annual contribution: the Roth invests what is left after tax today and is tax free at withdrawal

calculate_salary

Convert between hourly, daily, weekly, biweekly, monthly, and annual pay

calculate_sba_loan

Monthly payment for an SBA loan with the guarantee fee percent financed into the loan, plus the amount financed, total interest, and total cost

calculate_social_security_estimator

Primary insurance amount from the bend point formula (1286 and 7749) applied to average indexed monthly earnings, with monthly benefits at ages 62, 67, and 70

Tool

What it computes

calculate_aft

Scores all five AFT events (deadlift, hand-release push-ups, sprint-drag-carry, plank, 2-mile run) from 0 to 100 each using the 17-21 anchor tables, for a 500-point total

calculate_bah

Monthly Basic Allowance for Housing from the 2026 RC/Transient baseline rate table by pay grade, with or without dependents, plus the annualized amount

calculate_brs_vs_high3

Pension-only comparison of the legacy High-3 system (2.5 percent per year of service) against the Blended Retirement System (2.0 percent per year) on the same high-3 average basic pay: monthly, annual, and 30-year lifetime differences

calculate_gi_bill

Months of the 36-month Post-9/11 GI Bill entitlement remaining, tuition coverage percent, maximum annual books stipend, and Monthly Housing Allowance treatment for the given benefit tier and enrollment level

calculate_les_decoder

Net pay from a Leave and Earnings Statement: sums the entitlement lines (base pay, BAH, BAS, other) and deduction lines (federal tax, FICA, state tax, SGLI, TSP, other), and returns net pay plus deductions as a percent of entitlements

calculate_military_pay

Monthly basic pay from the 2026 pay table for a pay grade and years of service, plus the annualized amount

calculate_military_retirement_pension

Monthly retired pay estimate: years of service times the system multiplier (2.0 percent per year for BRS, 2.5 percent per year for High-3) times the high-3 average monthly basic pay, before taxes, plus annual and 20-year lifetime amounts

calculate_pcs_move

Estimated PCS move money: Dislocation Allowance (DLA) plus Temporary Lodging Expense (TLE, days capped at 21) plus the gross Personally Procured Move (PPM) reimbursement, with the PPM profit after moving costs

calculate_sgli_vs_private_insurance

Cost comparison of SGLI (0.06 USD per 1,000 USD of coverage per month plus a 1 USD monthly fee) against a private term premium over the given number of years: monthly and total SGLI cost, total private cost, and which is cheaper

calculate_tsp

Projected TSP balance with annual employee contributions (capped at the 24,500 USD elective deferral limit used by the page) plus, when matching is on

calculate_va_disability

Monthly VA disability compensation from the 2026 rates (2.8 percent COLA, effective Dec 1, 2025) for a combined rating from 10 to 100 percent and a dependent status, plus the annualized amount

Tool

What it computes

calculate_act_score

Composite, STEM, and ELA scores from the four ACT section scores, each clamped to 1 to 36 exactly as the page does

calculate_ap_exam_score

Predicted AP score from 1 to 5 using the page bands on the weighted composite percent: multiple choice and free response contributions are weighted by the exam split, then banded at 70, 55, 40, and 25 percent

calculate_college_acceptance

Rough acceptance chance: a selectivity tier base rate (92, 80, 50, 20, or 5 percent) adjusted by GPA and test score bands, clamped to 1 to 99 percent and labeled Safety, Target, Reach, or High reach

calculate_college_major_roi

Payback years, lifetime earnings minus degree cost, and salary to cost ratio for a major, using the page table of approximate median early career salaries by major

calculate_college_roi

Earnings premium of a degree salary over a no degree baseline salary, both growing at the same annual raise rate, plus the net gain after degree cost, the break-even year, and the return multiple on cost

calculate_dorm_vs_apartment

Compares the annual dorm cost with an apartment: monthly rent over the number of months, plus annual utilities, extra food cost, and commuting cost

calculate_fafsa_sai_estimator

Simplified Student Aid Index estimate using the page formula: parent income at 22 percent plus parent assets at 12 percent, student income above the 11770 income protection allowance at 50 percent plus student assets at 20 percent

calculate_final_exam

Score needed on the final exam to reach a desired course grade, with the best and worst possible course grades

calculate_gpa

Credit weighted GPA on the 4.0 scale using the page grade points: A+ and A 4.0, A- 3.7, B+ 3.3, B 3.0, B- 2.7, C+ 2.3, C 2.0, C- 1.7, D+ 1.3, D 1.0, F 0.0

calculate_gpa_planner

Term GPA required over the planned credits to reach a target cumulative GPA, the maximum reachable cumulative GPA with straight As, and the grade mix the required GPA implies, using the page thresholds

calculate_graduate_school_roi

Annual salary premium after a graduate degree, break-even years on the total cost, and lifetime net over the career years, using the page formulas

calculate_gre_score_estimator

Estimated GRE verbal and quant scores on the 130 to 170 scale: 130 plus the fraction of questions correct times 40, per section, plus the total

calculate_high_school_course_planner

Credits still needed per subject against the page requirement table for the selected state (Texas, California, New York, Florida, or Illinois)

calculate_lsat_score_estimator

Estimated LSAT scaled score on the 120 to 180 scale: 120 plus the overall fraction correct across the three sections times 60, with accuracy and the page score band

calculate_mcat_score_estimator

Estimated MCAT section scores on the 118 to 132 scale: 118 plus the fraction correct times 14, per section, plus the total on the 472 to 528 scale

calculate_premed_course_planner

Progress across the 13 premed prerequisites on the page, in page order: General Chemistry I and II, Organic Chemistry I and II, Biology I and II, Physics I and II, Biochemistry, Psychology, Sociology, Statistics or Calculus

calculate_psat_score

Estimated PSAT section scores: 160 plus the fraction correct times 600, using the page fixed totals of 48 questions per section, plus the total and the page percentile band

calculate_sat_score

Estimated SAT section scores: 200 plus the fraction correct times 600, using the page fixed totals of 54 reading and writing questions and 44 math questions, plus the total and the page competitiveness band

calculate_scholarship_roi_tracker

Expected value of a scholarship application (award times win probability, clamped to 0 to 100 percent) and its expected value per hour of work, with the page verdict comparing that rate with an hourly wage

calculate_student_budget

Monthly budget from job, parent, and aid income against rent, food, books, transport, and fun spending

calculate_student_loan_payoff

Months to pay off a student loan and the total interest, computed month by month exactly as the page does

calculate_textbook_cost

Net cost of buying new, buying used, renting, and digital for a textbook

calculate_transfer_credit_planner

Credits remaining, terms remaining at the credits taken per term, years remaining at the terms per year, and credits per year

Tool

What it computes

calculate_age

Exact age from a birth date to a target date, broken into years, months, and days, plus total days lived, total hours lived, the weekday of birth, and days until the next birthday

calculate_bmi_tdee

Body mass index and category, Mifflin-St Jeor basal metabolic rate, total daily energy expenditure, and cut and bulk calorie targets

calculate_date_duration

Inclusive number of days between two dates, plus business days after optionally excluding weekends and 2026 US federal holidays, calendar weeks, weekend days, and holidays in the range

calculate_percentage

Percentage calculations in three modes: percent_of (x percent of y), what_percent (x is what percent of y), percent_change (change from old to new)

calculate_tip

Tip amount, bill total, and per-person split

calculate_unit_converter

Converts a value between units in one category: length, weight, temperature, volume, or speed

calculate_word_counter

Counts words, characters, characters excluding whitespace, sentences, and paragraphs in a block of text, plus estimated reading time at 200 words per minute and speaking time at 130 words per minute