All Calculators
Every published Core-AI calculator, grouped by the decision it supports. Calibrated to US federal and state rules.
401(k) Employer Match & True-Up
Calculate exact paycheck deductions to capture 100% of your company match, check vesting schedules, true-up rules, and 30-year compounding.
Backdoor Roth & Pro-Rata Modeler
Calculate taxable conversion ratios under the IRS Form 8606 Pro-Rata Rule, track non-deductible basis, and model 401(k) reverse rollover shelters.
Solo 401(k) vs. SEP IRA Modeler
2026 IRS contribution caps ($69,000), employee deferral ($23,000) + 25% profit sharing comparison, and compounding curve.
HSA Triple-Tax & Stealth IRA Modeler
Calculate upfront income and FICA 7.65% tax deductions, 30-year tax-free compounding, and the stealth IRA receipt shoebox strategy.
HSA "Stealth IRA" Wealth Modeler
Calculates triple-tax-free HSA compound growth vs taxable brokerage accounts utilizing the shoebox receipt reimbursement strategy.
HDHP (HSA) vs. PPO Calculator
Compare High Deductible HDHP + HSA vs Traditional Low Deductible PPO plans: model payroll premium savings, employer HSA seeds, and 3-tier medical spending stress tests.
529 College Savings & Tax
Calculate college funding trajectory, measure annual state tax refund deductions across 50 states, and model SECURE 2.0 Roth rollovers.
Tax-Loss Harvesting & Wash-Sale
Calculate capital gains tax offsets, $3,000 ordinary income write-offs, loss carryforwards, and safe ETF proxy rotations under IRS Wash Sale rules.
Centrelink Age Pension & Deeming Calculator (Australia)
Estimate your fortnightly Centrelink Age Pension under both the assets and income tests, including deeming on financial assets and the Work Bonus.
50-State Tax Relocation Modeler
Side-by-side state income tax, property tax, and sales tax comparisons with 10-year compounding wealth impact charts.
IRS Section 179 'G-Wagon' Heavy Vehicle Tax Calculator
Calculate first-year Section 179 expense caps, 100% bonus depreciation, and exact cash tax savings for business luxury SUVs (G-Wagon, Escalade, Cybertruck).
Startup ISO vs. NSO Stock Options & AMT Tax Shield Simulator
Calculate your Alternative Minimum Tax (AMT) liability when exercising Incentive Stock Options (ISOs) vs Non-Qualified Stock Options (NSOs) and model Form 8801 AMT credits.
RSU Tax Withholding Trap & Underpayment Penalty Calculator
Calculate your true tax liability on vesting RSUs: model the IRS statutory 22% vs 37% supplemental withholding gap and avoid surprise Form 2210 underpayment penalties.
Tech Offer Total Comp (TC) Modeler
Side-by-side total compensation modeler factoring base salary, sign-on bonuses, annual bonus %, 4-year RSU vesting, and Year 5 cliff.
W-2 vs. 1099 vs. C2C (S-Corp)
3-way tax comparison across W-2, 1099, and C2C with S-Corp reasonable salary split, FICA tax savings, and $69k Solo 401(k) blueprint.
Freelance Hourly Rate & Retainer Calculator
Calculate true billable hourly rates, factor in 15.3% self-employment taxes, 60% billable utilization buffers, and value-based retainers.
Home Affordability & Max Purchase Budget Calculator
Calculate maximum home buying power based on 28/36 Debt-to-Income (DTI) rules, annual income, monthly debts, and interest rates.
Physician Loan vs Conventional Mortgage Calculator
Run both amortization schedules side by side: months of PMI until the 80% or 78% threshold, interest over your holding period, and the earnings you give up on a larger down payment.
Mortgage Amortization Schedule & Early Payoff Calculator
Generate complete 30-year monthly amortization tables. Model extra monthly principal payments, bi-weekly schedules, and interest saved.
Refinance True Breakeven
Expose the 30-year amortization reset trap, calculate extra years and payments added to your mortgage, and find true net interest breakeven.
Fed Rate Cut Mortgage Refinance & Break-Even Calculator
Model exact monthly payment drops, closing cost break-even payback timelines, and wealth acceleration when Federal Reserve rate cuts lower mortgage rates.
Mortgage Recast vs Refinance vs Extra Principal Calculator
Compare paying a lump sum to recast your mortgage ($250 fee, keeps low existing interest rate) vs refinancing ($6,000+ closing costs) or making extra principal payments.
Mortgage Discount Points
Calculate whether paying 1 to 2 discount points upfront at closing actually saves money before you move or refinance into lower market rates.
Mortgage Extra Principal vs. SPY
Should you pay an extra $100/mo into your mortgage or invest it in the S&P 500? Calculate 30-year net wealth differences, interest saved, and milestone payoff years.
BRRRR Real Estate Modeler
Model purchase price, rehab budgets, 75% ARV cash-out refinances, capital recapture, DSCR coverage, and cash-on-cash ROI.
Rent Hike vs. Moving Cost
Determine if moving to a cheaper apartment actually saves money once moving trucks, broker commissions, and security deposit friction are counted.
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Try searching for keywords like "401k", "Roth", "Mortgage", "RSU", "HSA", or "Tax".
The ISO AMT trap, measured across 500 scenarios
We modelled 500 startup-employee exercise scenarios to find where paper wealth turns into a real Alternative Minimum Tax bill.
How these calculators are built, verified, and run
A transparent overview of how our calculators and simulation models are built, verified, and executed with zero personal data retention.
Client-Side Isolation
Every calculation occurs entirely within your browser's local memory using pure JavaScript and local state. When you calculate tax liability or debt amortization, your financial inputs never leave your browser.
Statutory Calibration
Our tax and wealth models are calibrated directly to public statutory frameworks: the Internal Revenue Code (Sections 179, 1202, 415(c)), SECURE 2.0 distribution rules, and published IRS withholding tables. Each calculator links the source it relies on.
Continuous Benchmarking
Every calculator is checked by an automated regression suite that re-runs worked examples against standard financial formulas on each change, so published numbers stay reproducible.