Financial Intelligence Tools
Interactive calculators powered by real IRS data, BLS CPI figures, and Federal Reserve rate references. Built on the same engine that will power the Spend Sense app.
Paycheck Calculator
Estimate net pay after federal taxes, FICA, state tax, 401(k), HSA, FSA, and all pre-tax deductions. Auto-detects your state.
Open →Capital Gains Tax Calculator
Calculate short-term and long-term capital gains tax using 2026 IRS brackets. Includes Net Investment Income Tax (NIIT).
Open →Self-Employment Tax Calculator
Calculate SE tax (15.3%), deductible half, and estimated quarterly payments for freelancers and business owners.
Open →Compound Growth Simulator
Project investment growth with monthly contributions, variable compounding frequency, and inflation adjustment.
Open →Emergency Fund Calculator
Calculate your target emergency fund based on monthly expenses and desired months of coverage.
Open →Debt-to-Income Ratio Calculator
Calculate your DTI ratio and understand how lenders evaluate your financial health for mortgages and loans.
Open →Inflation & Purchasing Power Calculator
SoonMeasure how inflation erodes purchasing power over time, powered by BLS CPI-U historical data.
Coming SoonSavings Goal Timeline Calculator
SoonCalculate exactly how long it takes to reach a savings goal with a set monthly contribution and interest rate.
Coming SoonLoan Amortization Calculator
SoonFull amortization schedule for any loan. Shows total interest paid and the impact of extra monthly payments.
Coming Soon