Your Financial Toolkit
Everything you need to plan, invest, and grow your wealth
Complete Financial Planning Suite
- 401(k) Calculator – calculate retirement savings growth with employer matching, contribution limits for 2025, paycheck impact analysis, and catch-up contributions for ages 50+.
- FIRE Calculator – calculate when you can achieve financial independence and retire early with comparison of Lean, Regular, and Fat FIRE scenarios.
- Home Affordability Calculator – calculate how much house you can afford based on income, debts, and down payment with DTI analysis.
- Rent vs Buy Calculator – compare cumulative renting vs owning costs and breakeven years.
- Mortgage Payment Calculator – model principal, interest, taxes, insurance, PMI, HOA, and extra payments.
- Refinance Calculator – compare current vs new mortgage to find monthly savings, break-even timeline, and lifetime interest impact.
- Airbnb ROI Calculator – estimate nightly revenue, occupancy, and cash on cash return for short term rentals.
- Long Term Rental ROI Calculator – calculate NOI, DSCR, cap rate, and cash flow for year long leases.
- Fix and Flip Calculator – calculate ARV, MAO (70% rule), profit, ROI, and cash needed for house flips with hard money financing.
- HELOC Calculator – calculate home equity line of credit payments, available credit, and total interest costs.
- Contact us if you need a custom calculator or want to embed these tools.
Top Playbooks
Our most popular strategies and insights for smart financial decisions.
Is FIRE Still Possible in 2025?
Detailed analysis of FIRE feasibility with rising healthcare costs, 3-4% inflation, and updated safe withdrawal rates. Real case studies included.
Should I Buy S&P 500 or Investment Property?
Compare long-term returns, risks, and tax benefits of stocks versus real estate investing in 2025.
The 4% Rule Updated for 2025
Latest research on safe withdrawal rates for retirement with current market conditions and life expectancy.
Trusted Personal Finance Tools Built for Clarity
Simple Finance Calculators gives renters, homebuyers, and short term rental hosts transparent answers to their biggest money questions. Every tool explains the math behind the numbers, uses conservative assumptions, and updates in real time as you change inputs.
- Home Affordability Calculator: determine your maximum home price using the 28/36 rule, see payment breakdowns, and understand DTI ratios before house hunting.
- Rent vs Buy Calculator: model breakeven timelines, cumulative costs, and equity growth to see when ownership pays off.
- Mortgage Calculator: visualize principal vs interest, payoff dates, and savings from biweekly or lump sum payments.
- Refinance Calculator: compare your current mortgage to a refinance option with monthly savings, break-even analysis, and lifetime interest projections.
- Airbnb ROI Calculator: estimate occupancy, cash flow, and startup expenses before launching a short term rental.
- Long-Term Rental ROI Calculator: calculate NOI, DSCR, cap rate, and cash flow for traditional lease investments.
- Fix and Flip Calculator: analyze ARV, MAO (70% rule), profit, ROI, and cash needed for house flipping deals with hard money financing.
- HELOC Calculator: calculate home equity line of credit payments, available credit, and total interest costs for borrowing against your home equity.
- 401(k) Calculator: calculate your retirement account growth with employer match, IRS contribution limits, and paycheck impact to maximize your 401(k) benefits.
- FIRE Calculator: calculate your path to financial independence and early retirement with detailed comparison of Lean FIRE, Regular FIRE, and Fat FIRE timelines using the 4% rule.
Simple Finance Calculators FAQs
Are these finance calculators free to use?
Yes. All calculators on Simple Finance Calculators are free, ad light, and available without logging in, so you can run unlimited scenarios.
What makes these tools different to other calculator sites?
Each experience emphasizes clarity, with clean visuals, contextual tips, and methodology explanations so you know exactly how the results were produced.
Can I share a calculator with clients or friends?
Absolutely. Every tool has a dedicated URL (for example /rent vs buy/) that you can bookmark, embed, or send in email.
Will you release more calculators?
We continuously add new calculators focused on mortgages, FIRE planning, and real estate investing. Subscribe to updates to hear about launches.
Your biggest money questions, answered fast
Our FAQs cover everyday money questions with concise, practical guidance plus quick links to calculators where it matters. Browse categories or jump straight to the answer you need.
Budgeting & Saving
Emergency funds, savings rates, sinking funds, and realistic goal-setting.
Debt & Credit
Payoff strategies, consolidation, refinance tradeoffs, and score-building.
Investing & Wealth-Building
Index funds, allocation, tax efficiency, DCA vs lump sum, and more.
Retirement & FIRE
Withdrawal rules, sequence risk, healthcare before 65, and longevity planning.
Housing & Real Estate
Rent vs buy, affordability, mortgages, rentals vs STRs, and landlord questions.
Other Personal Finance
Cars, insurance, college choices, relationships, and negotiation.