Every free FigureNerd calculator, organized by topic. No signup, no email required, formulas shown on every page. 89 total.
Pick what matters most for your retirement and we'll set up the right calculator around it: travel, keeping the house, helping the grandkids, stopping work sooner, never running out, or leaving something behind.
Four free real estate calculators: what you can afford, what your mortgage payment actually is, and what a sale or a failed 1031 exchange costs in tax.
Thirteen free personal finance calculators: your real pay, your hours, your tip, your savings growth, any percent, and what a higher card payment actually saves you.
Twelve free tax and self-employment calculators: what you owe quarterly, what an LLC or S-corp actually costs and saves, and what gig or freelance income really pays.
Five free vehicle calculators: your real auto loan payment, the true cost of owning a motorcycle, whether charging an EV at home beats gas, what a road trip actually costs, and your everyday fuel cost.
Twenty-one free construction calculators: paint and material coverage, permit and builders risk insurance costs, deck, fence, retaining wall, concrete slab, and flooring cost, contractor bid comparison, excavation cost, and your build timeline.
Eight free HVAC calculators: load and AC sizing, boiler sizing, replacement cost, refrigerant comparison, and heat pump efficiency, payback, and cold-weather derating.
Five free household calculators: what your take-home pay allows against the 50/30/20 guideline, your grocery budget, your everyday fuel cost, how your meal spending compares, and what a recipe costs per serving.
Free quarterly estimated tax calculator for freelancers and 1099 earners. 2026 tax brackets, SE tax, safe harbor, state tax, all 4 IRS due dates. No signup.
Unified tax calculator for DoorDash, Uber, Lyft, Instacart, Amazon Flex, and more. 2026 mileage rate, SE tax, quarterly dates, all 50 states. No email needed.
Estimate your self-employment tax, federal income tax, Child Tax Credit, and quarterly payments. Free 2026 calculator for freelancers, 1099 contractors, gig workers, and small business owners.
Free printable self-employed tax worksheet for 2026. Line-by-line Schedule SE math, mileage deduction, Child Tax Credit, quarterly payment schedule. Freelancers, 1099 contractors, gig workers.
Free S-corp tax calculator with 2026 rates. Find out if an S-corp election saves you real money after payroll, admin, and reasonable salary rules. No signup.
Free printable S-corp savings worksheet for 2026. Fill in your numbers, print a clean one-page version, and hand it to your CPA. No signup required.
Free business startup cost calculator. Estimate LLC formation fees, registered agent, EIN, operating agreement, and first-year incidentals by state. No signup.
See exactly what an LLC costs in your state: filing fee, registered agent, annual report, and 5-year total. Free, all 50 states, no signup.
Enter your profit and state to compare sole proprietorship, a default-tax LLC, and an LLC taxed as S-corp side by side: formation cost, yearly cost, and the self-employment tax difference. Free, no signup.
Calculate the tax on depreciation recapture when selling rental property, equipment, or a vehicle. Includes Section 1250 gain, bonus depreciation, NIIT.
Calculate your 3.8% Net Investment Income Tax exposure. Enter your MAGI, filing status, and investment income to see exactly when NIIT hits and how much you owe.
Calculate your IRS underpayment penalty for missed or short estimated tax payments. Shows the safe harbor amount that would have avoided the penalty entirely.
Free retirement withdrawal calculator. How much can you safely withdraw each year? State tax, inflation, and Social Security math built in. 2026 assumptions.
Free retirement stress-test calculator. Bear market, longevity, medical, early retirement scenarios. Will you outlive your money? 2026 assumptions, no signup.
Free Social Security break-even calculator. Find the exact age where waiting beats claiming early at 62, 67, or 70. 2026 FRA tables.
Find your freelance rate by working backward from your take-home goal. Covers SE tax, health insurance, retirement, and expenses. 2026 tax rates. No signup.
See what your 401(k) is actually on track to be worth at retirement, including your employer match, IRS contribution limits, and the age 50+ and 60-63 catch-up rules. 2026 IRS limits. No signup.
See how long minimum payments really take, and how much a fixed higher payment actually saves. Honest totals, no email needed. Free.
Your full monthly payment: principal, interest, taxes, insurance, and PMI, not just principal and interest. See the amortization breakdown and when PMI drops off. Free, no signup.
See how your starting balance and regular contributions grow with compound interest, at any rate and compounding frequency. Growth table included. Free, no signup.
Calculate work hours from clock-in and clock-out times. Free time card calculator with automatic weekly overtime split, unpaid break deduction, and estimated gross pay. No signup.
Convert your pay between hourly, daily, weekly, biweekly, semimonthly, monthly, and annual salary. Free salary calculator with unpaid time off adjustment. Gross pay before taxes. No signup.
See how much of your overtime pay may be tax-deductible under the federal no tax on overtime rule. Free overtime tax deduction calculator using the 2025 IRS caps and phaseout. Federal income tax only, not tax advice.
See how much of your tip income may be tax-deductible under the federal no tax on tips rule. Free tip income tax deduction calculator using the 2025 IRS cap and phaseout. Federal income tax only, not tax advice.
See how much home you can afford based on your income, debts, down payment, and rate. Uses standard debt-to-income guidelines. Free calculator, no signup.
Calculate the tip and total on any bill. Quick 15/18/20/22/25% buttons, split the total N ways, an optional pre-tax tip toggle, and round-up-the-total. Free, no signup.
Free Uber/Lyft true hourly calculator. Subtracts gas, depreciation, maintenance, insurance, dead miles. Shows what the app hides. 2026 data, no signup.
Calculate the real cost of cashing out your 401k early, including the 10% penalty, federal income tax, state tax, and the long-term investment opportunity cost.
Calculate your 2026 RMD for a traditional IRA, 401k, or inherited IRA. Includes SECURE 2.0 rules, the 10-year inherited IRA rule, and penalty if missed.
Plan a multi-year Roth conversion ladder that avoids NIIT thresholds and IRMAA cliffs. Free, no login required.
Calculate your maximum solo 401k contribution as a sole proprietor, LLC owner, or S-corp owner. Covers employee deferral, employer profit-sharing, Roth solo 401k, and catch-up for 2026.
Find a percent of a number, what percent one number is of another, or a percent increase or decrease, with the formula and a worked line shown. Free, no signup.
See what a dollar from one year is worth in another, using real BLS CPI-U data, or project a future cost at an assumed rate. Free, no signup.
Monthly payment, total interest, and payoff date for any fixed-rate loan. Add an optional extra payment to see how much sooner you'd be done. Free, no signup.
Free life expectancy calculator. Enter your age and sex to see your remaining life expectancy, a planning age for retirement, and your odds of reaching 80, 85, 90, and 95. SSA period life table, no signup.
Enter your take-home pay and monthly bills to see your surplus or shortfall, your real needs/wants/savings split against the 50/30/20 guideline, and the three biggest levers to change first. Free, no signup.
Enter your household by age group and a USDA Food Plan level to see your grocery benchmark, how your own spending compares, your per-meal and per-person cost, and what a plan change or more home-cooked meals would do to your budget. Free, no signup.
Enter your household by age group and a USDA Food Plan level to see your monthly and weekly grocery budget, how your own spending compares, and your per-person daily cost. Free, no signup.
Free motorcycle ownership cost calculator. Purchase, gear, insurance by state, maintenance, tires, depreciation, and resale. 1, 3, 5, 10 year projections.
Free EV charging cost calculator. Home Level 2 vs DCFC vs gas, side by side. Includes Level 2 install payback. 2026 state electricity rates. No signup required.
Your real monthly car payment: price, down payment, trade-in value, and sales tax, not just the sticker. See total interest, payoff date, and the full amortization schedule. Free, no signup.
Calculate the total cost of your road trip: gas, tolls, lodging, and food. See a per-day and per-mile cost breakdown, low/mid/high range, and a fly vs drive comparison.
Free fuel cost calculator: enter your daily or weekly miles, vehicle MPG, and gas price to see your daily, weekly, monthly, and yearly fuel cost. Compare two vehicles side by side.
Free drywall calculator using RSMeans formula. Walls-only or walls plus ceiling. Enter dimensions, doors, windows, waste factor. Sheet count, screws, compound.
Free roof shingles calculator: bundle count, starter strip, ridge cap, underlayment, and waste factor from your footprint and pitch.
Interactive residential remodel sequence. Tap any phase to see what comes first, what runs parallel, and inspection gates. Cabinet lead time warning included.
Free boiler sizing calculator. Heat loss, BTU output with safety factor, AFUE fuel cost at 80%, 90%, and 95% efficiency. ND design temps included.
Free HVAC load sizing calculator. Simplified Manual J: BTU/hour, tonnage, unit size range, and climate zone adjustment. ND Zone 6 included. Mobile-first.
Free heat pump payback calculator. Federal 25C credit expired Dec 2025. State rebates and HEEHRA income rebate included. All 50 states, gas, propane, oil, electric. No signup.
Free HVAC replacement cost calculator. Get a line-by-line estimate of equipment, labor, permits, and removal for furnace, AC, heat pump, or mini-split replacement. No signup.
See how your cold-climate heat pump's COP drops as outdoor temps fall. NEEP ccASHP averages at 47F, 17F, 0F, and -13F. Free, no signup required.
Compare the real efficiency (COP) of two NEEP-listed heat pumps at your outdoor design temperature: 47F, 17F, 5F, -13F. Free, no signup.
Compare R-410A (GWP 2088) vs R-454B (GWP 466). Estimate climate impact, retrofit complexity, and cost under the EPA AIM Act phasedown. Free, no signup.
Calculate what you owe if your 1031 exchange fails: depreciation recapture, capital gains, NIIT, and state tax, all in one number. Free, no signup required.
Estimate builders risk (course-of-construction) insurance premiums by project value, duration, state, and coverage tier. Free, no signup required.
Estimate your building permit fee by project value, type, and cost region, using national-average fee data. Base fee and plan review shown separately.
Compare up to 3 contractor bids side by side: normalized for scope, materials, warranty, and payment terms. Free, no signup.
Free construction timeline calculator, phase by phase from permit to move-in. Adjusts for owner-builder mode, region, and project size.
Free house material cost estimator. Enter square footage and finish level to see materials cost by category, no signup required.
Free deck cost calculator. Low, mid, and high estimate by square footage, decking material, height, stairs, railing, and region. Materials and labor shown separately.
Free flooring cost calculator. Low, mid, and high estimate by square footage, flooring type, room, subfloor prep, and region. Materials and labor shown separately.
Free paint coverage calculator. Enter room size, doors, windows, coats, surface type. Get exact gallons of paint and primer needed. Brand-neutral, no upsell.
What size AC do I need for my house? Answer 4 plain-English questions about your home and get your recommended AC size in tons, BTU, and a range. Free, no jargon.
Estimate bathroom remodel costs by size, scope, and region. Get a line-item breakdown for cosmetic updates, mid-range renovations, and full gut remodels.
Free landscaping material calculator for gravel, pea gravel, river rock, topsoil, mulch, and sod. Enter your area and depth to get cubic yards, tons, bags, and an estimated cost.
Free fence cost calculator. Low, mid, and high estimate by linear feet, height, material, gates, post spacing, and region. Materials and labor shown separately, plus posts and concrete.
Free excavation cost calculator. Low, mid, and high estimate by dig size, soil type, haul-away, and region, for contractor and DIY equipment rental. Swell-adjusted cubic yards and truckloads shown separately.
Free retaining wall cost calculator. Low, mid, and high estimate by length, height, material (segmental block, poured concrete, natural stone, timber, gabion), and region. Materials and labor shown separately, plus blocks or volume, gravel, and drain pipe.
Free concrete slab cost calculator for patio, driveway, shed pad, garage floor, and sidewalk. Low, mid, and high estimate by size, thickness, reinforcement, finish, and region. Contractor and DIY compared, plus cubic yards, bags or truck-yards, and gravel base.
Free well drilling cost calculator. Low, mid, and high estimate by depth, diameter, casing type (PVC or steel), pump, pressure tank, water testing, permit, and region, sourced from HomeGuide and Angi.
Free septic system cost calculator. Tank size, drain field square footage, and low/mid/high installed cost by bedrooms, system type, soil percolation rate, and region.
Estimate kitchen remodel cost by size, remodel tier, and region. See a line-item budget breakdown, materials vs. labor split, and low/mid/high installed cost.
Estimate construction loan interest with a stage-by-stage draw schedule, sourced from NAHB and Regulation Z. See the permanent mortgage payment if your loan converts.
Free lighting calculators: watts vs lumens, room lumens, foot-candles, LED savings, fixture count. Plain English, no signup.
Convert watts to lumens in seconds. Free bulb wattage calculator shows how any LED compares to your old incandescent, plus the annual savings from switching.
Calculate your LED payback period, annual electricity savings, and 10-year cost. Enter your state for a personalized estimate.
Free restaurant calculators: food cost percentage, labor cost percentage, prime cost, and recipe cost worksheet. No signup, formulas shown.
Calculate your restaurant food cost percentage instantly. Enter your inventory and sales data to see if you're within the 28-35% industry target range.
Calculate your restaurant labor cost percentage instantly. Enter wages, payroll taxes, and benefits to see if you're within the 2026 NRA benchmark for your restaurant type.
Calculate your restaurant prime cost instantly. See if your food and labor costs are within the 60% industry target, and exactly what to change if not.
Free recipe costing worksheet for chefs, line cooks, and culinary students. Calculate food cost per serving, minimum menu price, and 3-tier pricing with waste factor. Printable. No signup.
Calculate exactly how many lumens your room needs. Enter dimensions, room type, and daylight to get IES-standard targets plus fixture count recommendations. Kitchen, bedroom, garage, workshop.
Free paycheck calculator: see your estimated take-home pay after federal tax, FICA, and state tax (TX, FL, CA, NY, NYC). 2026 figures, full math shown, no signup.
Understand your ADP-processed pay stub: what each line means (FIT, OASDI, Medicare, state tax) and how to check it against a free 2026 paycheck calculator. Not affiliated with ADP.
Free Texas paycheck calculator. Texas has no state income tax, so see exactly what federal tax and FICA take from your gross pay. 2026 figures, full math shown.
Free California paycheck calculator. See federal tax, FICA, CA state income tax, and SDI withholding broken out line by line. 2026 figures, full math shown.
Free New York City paycheck calculator. See federal tax, FICA, New York State tax, and NYC resident tax broken out line by line. 2026 figures, full math shown.
Free Florida paycheck calculator. Florida has no state income tax, so see exactly what federal tax and FICA take from your gross pay. 2026 figures, full math shown.
Free hourly paycheck calculator. Enter your rate and hours, overtime included automatically, and see federal tax, FICA, and state tax broken out. 2026 figures.