CalcFi
313+ free financial calculators — no signup, no ads
CalcFi serves anyone making a money decision in the US — homebuyers comparing PITI by state, freelancers estimating self-employment tax, retirees modeling withdrawals, and salaried workers checking take-home pay across cities. Calculations run in your browser; if you opt into AI analysis, your inputs go to our inference provider to generate the explanation, with no name, account, IP, or persistent identifier collected.
Beyond standalone calculators, CalcFi cross-analyzes multiple calculator results into one Financial Picture — the only site that reads your mortgage, debt, paycheck, and retirement together. State and city pages cover all 50 states + DC and 1,000+ US cities with live data refreshed from BEA RPP, Zillow ZHVI, Freddie Mac PMMS, and state revenue departments.
Free forever. No account required. Educational only — not financial advice.
Features
- 300+ free financial calculators
- AI Insight Engine — plain-English explanations of your results
- Cross-calculator synthesis — one Financial Picture from your inputs
- All 50 US states + DC + 1,000+ city-level data
- Primary-source citations on every number (IRS, BLS, BEA, Fed, Treasury)
- Live data: Zillow ZHVI, Freddie Mac PMMS, BEA RPP, state DOR brackets
- No signup, no paywall, no ads on calculation pages
- Spanish-language mirror for top calculators
- Shareable URLs — calculator state encoded in query params
- Privacy-first: calculations run in your browser
Use Cases
- Homebuyers comparing PITI, affordability, and property tax across states and cities before making an offer
- Salaried workers checking take-home pay after federal, state, and FICA taxes in any US state
- Freelancers and gig workers estimating quarterly self-employment tax and deductions
- Retirees and FIRE planners modeling withdrawal rates, RMDs, Roth conversions, and Social Security timing
- Real estate investors running cap rate, cash-on-cash, BRRRR, and rental ROI on prospective deals
- People relocating, comparing salary equivalence and cost of living between two cities or states
- Borrowers comparing mortgage refinance break-even, HELOC vs cash-out, and debt payoff strategies (avalanche vs snowball)
- Parents budgeting for childcare, college (529), or new-baby costs by state
- Crypto holders calculating capital gains liability and harvest opportunities
- Anyone wanting an AI-explained second opinion on what their calculator results actually mean
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Comments
I built CalcFi because every "free calculator" site I used was actually selling something — affiliate mortgage leads, robo-advisor signups, premium tax software. The math was right, but the recommendations were always shaped by who was paying. I wanted a place where the calculator just gives you the number, cites the primary source so you can verify it yourself, and explains what it means in plain English. The harder problem is that real money decisions don't live inside one calculator. Whether you can afford a house depends on your paycheck, your debt payoff timeline, your retirement savings rate, and the cost of living where you'd move. So CalcFi cross-analyzes results across calculators into one Financial Picture — that's the part I'm proudest of and the part that took the longest to get right. Everything is free, no signup, no upsell. If you find an error in a number or a citation, email [email protected] and I'll fix it within 48 hours. Feedback welcome — especially on what calculators are missing or where the AI explanations get something wrong. — Jere, calcfi.app
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Makers
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Comments
I built CalcFi because every "free calculator" site I used was actually selling something — affiliate mortgage leads, robo-advisor signups, premium tax software. The math was right, but the recommendations were always shaped by who was paying. I wanted a place where the calculator just gives you the number, cites the primary source so you can verify it yourself, and explains what it means in plain English. The harder problem is that real money decisions don't live inside one calculator. Whether you can afford a house depends on your paycheck, your debt payoff timeline, your retirement savings rate, and the cost of living where you'd move. So CalcFi cross-analyzes results across calculators into one Financial Picture — that's the part I'm proudest of and the part that took the longest to get right. Everything is free, no signup, no upsell. If you find an error in a number or a citation, email [email protected] and I'll fix it within 48 hours. Feedback welcome — especially on what calculators are missing or where the AI explanations get something wrong. — Jere, calcfi.app
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