MoneyLifeCalc

MoneyLifeCalc

FREE finance calculator

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Free calculators for money, retirement, taxes, and home. No sign-up, and your numbers never leave your browser.

Built from the Excel workbook I've used to track my own finances for more than 30 years. Why I built this

Tip: drag any calculator to put your favorites first in its group.

Money

Monthly budgetList your bills line by line and compare your spending with the 50/30/20 guideline: needs, wants, and savings.
Yearly ledgerTrack what you actually spend each month, all year, in a simple spreadsheet-style ledger grouped like the Monthly budget.
Net worth trackerAdd up what you own and what you owe, then record your net worth each month to watch it grow over time.
Debt payoff plannerCompare the snowball and avalanche methods for paying off credit cards and loans, with your debt-free date and total interest for each.
Credit card minimum paymentSee how long a credit card balance takes to pay off if you pay only the minimum, and how much a fixed payment saves.
Emergency fundFind your emergency fund target based on your essential expenses, and how long it will take to get there.
Savings goalHow long until you reach a goal, and what it takes to get there by a target date.
Loan paymentMonthly payment and total interest for a car loan, personal loan, or any fixed-rate loan.
Car loanMonthly payment on a new or used car, including trade-in, taxes, and fees, with a side-by-side look at loan lengths.

Investment

Investment projectionSee how your current savings and monthly investing grow with compound returns, year by year from your start age to age 100.
Portfolio trackerTrack the market value of your investment accounts on any dates you choose, and see the ups and downs on a chart, year by year.
Roth vs. traditionalShould you pay tax now with a Roth, or later with a traditional 401(k) or IRA? Compare what you keep after taxes.

Retirement & tax

Retirement plannerWill your savings last to age 100? Compare your savings and income with your monthly expenses, and see how long the money lasts and what return you need.
Social Security claiming ageCompare claiming Social Security at every age from 62 to 70, with your monthly benefit, lifetime total, and break-even age.
Income tax estimateEstimate your federal income tax for the year you choose, with an optional flat state rate, compared with what you have had withheld.
Paycheck calculatorEstimate your take-home pay per paycheck after federal tax, Social Security, Medicare, state tax, 401(k), and health insurance.
Required minimum distributionYour RMD from an IRA or 401(k) using the IRS Uniform Lifetime Table.

Home

Mortgage paymentYour full monthly house payment, total interest, and how much extra principal payments save.
Mortgage affordabilityThe most house your income supports using the lender 28/36 guideline.
Refinance break-evenFind out how many months it takes for a lower mortgage rate to pay back the closing costs, and what you save if you stay.
Rent vs. buyCompare the full cost of renting and buying over time, including home value growth and what your down payment could earn if invested.
Construction loan draw schedulePlan your construction loan draws stage by stage, with the loan balance and interest-only payments during the build.

House construction

New construction costA ballpark budget to build a house, including garage, porches, site work, design, and contingency.
Home improvement costA low, typical, and high range for common renovation projects.
Cost per square foot comparisonCompare homes, lots, or builder bids side by side by cost per square foot to see which is the better value.

Guides

How to keep a yearly money ledgerA simple, proven way to track every bill month by month for the whole year, and why a ledger beats a budget alone. Free ledger included.How construction loan draws workHow construction loans pay your builder in stages, how interest-only payments grow during the build, and what to ask your lender. Free draw calculator.Will my retirement savings last to 100?Estimate how long your retirement savings will last with inflation, Social Security, and realistic returns, and what to change if money runs short.Debt snowball vs. avalancheHow the debt snowball and avalanche methods work, which saves more interest, and how to choose the one you will stick with. Free payoff calculator.What it really costs to build a houseWhy the price per square foot is only the start. The seven lines of a real home building budget, where the money goes, and how to tighten your estimate.How to compare builder bidsA fair way to compare home builder bids: same plans, same specifications, allowances, exclusions, contract type, and cost per square foot used the right way.How to track your net worthWhat counts toward net worth, how to value a home and car honestly, how often to record it, and how to read the trend. Free private tracker included.When to claim Social SecurityHow claiming age changes your Social Security benefit, the break-even ages, and what married couples, workers, and early retirees should weigh first.Roth vs. traditional: how to chooseThe one comparison that decides Roth vs. traditional 401(k) and IRA contributions, with a worked example, the 2026 limits, and when splitting makes sense.How much emergency fund do you need?How to size an emergency fund from your essential expenses, when 3 months is enough and when to hold 12, where to keep it, and how to build it steadily.Required minimum distributions explainedWhen RMDs start, how the IRS calculates them, deadlines and penalties, which accounts are exempt, and ways to plan ahead. With a worked example for 2026.When is refinancing worth it?How to work out a mortgage refinance break-even point, why resetting to 30 years can cost more, and whether to pay closing costs in cash or roll them in.

All guides

Disclaimer: Every calculator on this site gives estimates for education and planning. None of it is financial, tax, or legal advice. Check important decisions with a qualified professional.

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