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Money math gets confusing on purpose. We make it simple, one calculator at a time.
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Retirement10Wondering if your 401(k) and Social Security timing actually add up?
What will my 401(k) actually be worth at retirement?
What's my required minimum distribution this year?
What does cashing out my 401(k) early really cost me?
What's my maximum solo 401(k) contribution this year?
How should I sequence Roth conversions without tripping IRMAA or NIIT?
Do I owe the 3.8% Net Investment Income Tax?
What age should I actually claim Social Security?
Does my retirement plan survive a bad market or a long life?
Will my retirement savings actually outlast me?
How many more years should I plan for?
Real Estate4Curious what you can actually afford, or what a sale will cost you?
How much home can I actually afford?
What's my real monthly payment, including taxes, insurance, and PMI?
What do I owe if my 1031 exchange falls through?
What's the tax hit when I sell a depreciated property?
Construction21Need to know how much material or budget this job really takes?
How many gallons of paint and primer does this room need?
How many sheets, screws, and how much compound do I need?
How many bundles of shingles does my roof need?
What order do remodel phases actually go in?
What will my building permit actually cost?
What should builders risk insurance cost for my project?
What will materials cost to build my house?
What will my new deck cost in materials and labor?
What will new flooring cost installed?
Which contractor bid is really the better deal?
How long will my home build actually take, phase by phase?
What will a bathroom remodel cost by scope, size, and region?
How much gravel, topsoil, mulch, or sod do I need, and what will it cost?
What will a new fence cost in materials and labor?
What will a retaining wall cost by length, height, and material?
What will digging and hauling away dirt actually cost?
What will a concrete patio, driveway, or slab cost by size, thickness, and use?
What will drilling a water well actually cost by depth and casing type?
What will a septic system cost by bedrooms, system type, and soil percolation rate?
What will a kitchen remodel cost by size, remodel tier, and region?
What will construction loan interest cost with a real draw schedule?
Personal Finance13Want your real take-home pay, tip split, or payoff date?
What does my pay come out to across hourly, weekly, and annual?
What are my actual hours and gross pay this pay period?
How much of my overtime pay is tax-deductible under the new rule?
How much of my tip income is tax-deductible under the new rule?
What should I tip, and how do I split the bill?
How much would a higher payment actually save me?
How much will my savings actually grow with compound interest?
What's the percentage here, or how much did this number actually change?
What's a dollar from another year actually worth today?
What's my real monthly payment and payoff date on this loan?
Where is my money actually going, and how does it compare to the 50/30/20 guideline?
What should my household actually be spending on groceries, and how does my own spending compare?
What is my monthly and weekly grocery budget for my household, and what does that work out to per person per day?
Tax & Self-Employed19Not sure what you actually owe this quarter?
What will I owe in self-employment and federal tax this year?
Line-by-line Schedule SE worksheet for self-employed filers.
What do I owe the IRS this quarter, and when is it due?
What does my state actually charge to form and keep an LLC?
Compare cost and self-employment tax side by side, using your own profit and state.
Printable worksheet to bring your S-corp numbers to your CPA.
Would electing S-corp status actually save me money?
Did I underpay my estimated taxes, and what's the penalty?
What will it actually cost to form and start my LLC?
What rate should I charge to hit my take-home goal?
What do I owe on DoorDash, Uber, Instacart, and other gig income?
What does Uber or Lyft actually pay me per hour after expenses?
What will my actual take-home pay be after federal tax, FICA, and state tax?
What does each line on my ADP pay stub actually mean?
What's my take-home pay in Texas, where there's no state income tax?
What's my take-home pay in California after state tax and SDI?
What's my take-home pay in NYC after both state and city tax?
What's my take-home pay in Florida, where there's no state income tax?
What's my take-home pay from an hourly rate, overtime included?
HVAC & Energy8Wondering what size unit you need, or what it will cost?
What size HVAC unit does my home actually need?
What size AC do I need, in plain English?
What size boiler does my home need, and what will fuel cost?
What will a full HVAC replacement actually cost, line by line?
How do R-410A and R-454B compare on cost and climate impact?
How much efficiency does my heat pump lose in the cold?
How do two heat pump models compare at my winter temperatures?
How long until a heat pump pays for itself after rebates?
Lighting & Energy Efficiency3Trying to figure out how bright a room needs to be, or what LED saves you?
How does this LED's brightness compare to my old bulb?
How many lumens does this room actually need?
How much would switching to LED actually save me?
Restaurant & Food Service4Want to know if your food and labor costs are in line?
What should this menu item actually cost to make and sell?
Is my restaurant's food cost where it should be?
Is my labor cost within industry benchmarks?
Are my food and labor costs within the 60% target?
Auto & Vehicle5Wondering what that ride really costs you to own?
What will this motorcycle actually cost me to own?
What's my real car payment after tax, trade-in, and down payment?
Is it cheaper to charge my EV at home or in public?
What will gas, tolls, lodging, and food actually cost for this trip?
What's my real daily commute or monthly gas budget?
Tools & Calendar3Need a quick answer without picking a calculator first?
What deductions am I probably missing?
When is my next tax deadline?
Need a scientific calculator for a quick side calculation?
FigureNerd calculators show the real math, not a marketing page dressed up as one. Every tool starts from an actual question, uses a primary source like IRS publications or ACCA Manual J, and shows the math. See the full methodology.
Works backward from your take-home goal to show the rate you actually need to charge. Covers SE tax, health, retirement, overhead.
Find out if switching your LLC to an S-Corp actually saves you money after payroll costs and extra tax returns. Break-even included.
How much can you withdraw in retirement, and will it last? State-tax-aware, Social Security included, runway to age 100.
Safe harbor, underpayment penalty, federal and state breakdown. Schedule the 4 payment dates and amounts. For 1099 and self-employed.
Stress-test your retirement against bear markets, long life, medical events, and early retirement. Green, yellow, red verdict per scenario.
Your remaining life expectancy, a retirement planning age, and your odds of reaching 80, 85, 90, and 95. SSA period life table.
Find the exact age where waiting to claim beats claiming at 62. Compares 62, 67, and 70 claim ages with cumulative benefit totals. 2026 FRA tables.
DoorDash, Uber, Lyft, Instacart, Shipt, Amazon Flex, Grubhub all in one. SE tax, federal, state, quarterly schedule. No email needed.
What Uber and Lyft actually pay you per hour after gas, depreciation, maintenance, insurance, and dead miles. The real number.
Before you sign at the dealership. Includes insurance by state, depreciation by category, gear, tires, chain, resale projection.
State rebates, the HEEHRA income-based rebate, and your actual fuel, with or without the now-expired federal 25C credit. National coverage, plain English.
Side-by-side cost: home Level 2, public DCFC, workplace, and equivalent gas car. Level 2 install payback included. State electricity rates pre-loaded.
RSMeans formula: walls plus ceiling, door and window deductions, waste factor. Returns sheets, screws, joint compound. Voice readback for the job site.
Bundle count, starter strip, ridge cap, underlayment, and ice-and-water shield from footprint and pitch. Waste factor included. Know before you order.
Simplified Manual J. BTU per hour, tonnage, recommended unit size range. Climate zone adjusted (ND Zone 6 included). Voice readback for the field.
Heat loss, recommended boiler output with safety factor, AFUE fuel cost comparison at 80, 90, and 95 percent efficiency. ND design temps built in.
Interactive 21-phase remodel order of operations. Tap any phase: prerequisites, parallel runs, inspection gates, what to order now. Voice readback.
Real-world COP at 47F, 17F, 5F, and -13F. Cold-climate vs standard heat pump performance derating. NEEP-spec-grounded.
Side by side compare two NEEP-listed cold-climate heat pumps at your outdoor design temperature. COP table at 47F, 17F, 5F, and -13F.
EPA AIM Act phasedown impact. GWP delta, retrofit complexity, cost estimate range, refrigerant scarcity window. Updated for EPA SNAP Rule 26.
Line-by-line estimate for furnace, AC, heat pump, or mini-split replacement. Equipment, labor, permits, and removal all broken out. No guessing at the quote.
What you owe if your like-kind exchange falls apart. Federal depreciation recapture, LTCG, NIIT, state capital gains. IRC §1031 timeline rules tracked.
How bright should your room be, and what will switching to LED save you? Watts don't mean bright anymore. Three lighting calculators covering room brightness, LED savings, and light levels by room, plain-English formulas, no signup.
Food cost, labor cost, prime cost, and ingredient-level recipe costing. Four-calculator set by people who actually know commercial food equipment.
Food cost plus labor cost as a percent of sales. See if you are inside the 60% industry target and what to change if not. Designed for operators who know their numbers.
Forms that read like a foreign language. Fees tucked into fine print. Rules that take an afternoon to decode and 90 seconds to actually use. That is The Absurd, and it is why hard-working people overpay every year.
FigureNerd is here with solutions. Every week we take one confusing thing and turn it into a free calculator that shows the real math, line by line, in plain English. No signup needed. Feel good about your numbers again.
Know someone stuck in The Absurd? Send them a solution.Every FigureNerd tool starts with a real question from a real person. Tell us the number you want figured out. The most-requested tools ship first.
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Money math gets confusing on purpose. We make it simple, one calculator at a time.
