CalcFi is a comprehensive platform providing over 340 free financial calculators designed to help users make informed money decisions. The platform distinguishes itself by citing all formulas to official sources such as the IRS, Federal Reserve, U.S. Treasury, Social Security Administration (SSA), and Bureau of Labor Statistics (BLS), ensuring accuracy and transparency.
Key features include:
- Reality Score: Users can quickly assess their financial sustainability by turning their numbers into a "Reality Score" (0-100), anchored to guidelines from HUD, CFPB, and the Federal Reserve.
- Extensive Calculator Library: Tools cover a wide range of financial topics, including:
- Paycheck: Take-home pay, federal/state withholding, salary conversions, bonus tax, pay raise impact.
- Salary: State-by-state data, profession comparisons, cost-of-living adjustments, inflation-adjusted salary, negotiation tools.
- Taxes: 2026 federal/state brackets, deductions, self-employment tax, capital gains, 1099 calculator, tax withholding.
- Mortgage: Payment calculations, refinance savings.
- Debt: Payoff strategies (snowball vs. avalanche), credit card payoff.
- Home Costs: Remodel cost calculators.
- Investing: Compound interest, dollar-cost averaging.
- Retirement: 401(k) contributions, Roth IRA, FIRE number.
- Net Worth: Comprehensive net worth tracking.
- Situation-Based Guidance: The platform offers guided paths for various user situations, such as "Just laid off," "Home buyer," "Tax filer," "Debt payer," "Retirement planner," "Gig / 1099 worker," "New parent," "Small biz / LLC," and "ITIN filer."
- State Index: Provides primary-source data and rankings across 50 states for metrics like salary, tax burden, cost of living, mortgage rates, rent, and affordability, sourced from BLS, BEA, Census, Freddie Mac, HUD, and the Tax Foundation.
- Privacy and Accessibility: All calculations run directly in the user's browser, ensuring no financial data is stored on CalcFi's servers. It's 100% free forever, requires no signup, and offers optional AI analysis. Users can receive a free PDF of their results via email.
- Multilingual Support: Over 96 calculators are available in Spanish.
- Regular Updates: Tax data, including brackets and limits, is refreshed annually to reflect the latest tax year (currently 2026).
CalcFi aims to empower users with accurate, transparent, and accessible financial tools to understand their money and plan for the future without hidden costs or data collection.
