Everyday money calculators for your website.
Nineteen tools: Roth or traditional, pay off the mortgage or invest, how much life insurance, and how much can be saved this year. Each opens in a small window on your site, with its sources and the date it was reviewed, in plain English. No account needed. Each ends by telling the reader to talk with a professional who knows their whole situation. No account needed.
Put these on your siteTry it: Roth or Traditional 401(k)? (opens in a new window)
Where a link goes
- Your resources page, beside the guides you already link to.
- An article that raises the question the calculator answers.
- The email you send a client before a meeting.
Paste it into an article, a resources page, or an email. The calculator stays here, kept current. Every tool below has its link ready; choose once whether copied links open the minimalist window or the full page.
All 19 tools
Saving while you work
Roth or Traditional 401(k)?
Compares a Roth and a traditional 401(k) contribution at the same cost to your paycheck, at the tax rates you expect now and in retirement.
How Much Life Insurance Do You Need?
Sizes the life insurance a family would need from its parts: the income to replace, the debts, the final expenses, the education fund, and what is already in place.
How Much Can I Save This Year?
Adds up how much you can put into retirement and health savings accounts this year, at your age.
Backdoor Roth Pro-Rata Calculator
Works out how much of a Roth conversion is taxable when you also have other pre-tax IRAs.
Roth Five-Year Rule Calculator
Checks which of the Roth IRA five-year clocks have run and what a withdrawal would cost you today.
Estimated Tax Safe Harbor
Tells you how much tax you must pay in during the year to avoid the underpayment penalty, and how to close any gap.
Employee Stock Purchase Plan (ESPP) Calculator
Shows what the shares you bought through your company's stock purchase plan are worth after tax, sold now or after the qualifying date.
Your house and your mortgage
Pay Off the Mortgage or Invest?
Sends the same extra dollars each month down two paths, to the mortgage or into an investment, and shows where each stands when the mortgage would have ended.
Refinance Break-Even: When the New Loan Pays for Itself
Shows the month a new mortgage has paid for its closing costs, counted two ways, and whether you come out ahead for as long as you plan to keep the home.
15-Year or 30-Year Mortgage?
Runs a 15-year and a 30-year mortgage side by side, with the same cash spent on both and the difference invested, and shows where each stands at year 15 and year 30.
Should You Buy Points? The Break-Even on a Rate Buydown
Shows the month a rate buydown has paid for itself, what it earns if you keep the loan as long as you expect, and whether a seller credit toward points beats the same dollars off the price.
Home Sale Exclusion for a Surviving Spouse
Shows how much profit a surviving spouse can sell the house for without tax, and how the answer changes after two years.
Home Sale Exclusion After Renting It Out
Shows how much of the profit on your home is still tax-free when the home was rented out before you lived in it.
Cost of Living Estimator by ZIP Code
Estimates what a ZIP code costs a household each month or year, in dollars, and the pre-tax income it takes; with your income, what is left and how it compares to the median; optionally against a second ZIP.
Raise the Deductible? The Break-Even
Weighs the premium a higher deductible saves each year against the extra you would pay on each claim, and finds the claim rate at which the two match.
Taxes in retirement
Will My Money Last?
Projects whether your savings will last, year by year, at the spending and assumptions you choose.
Capital Gains Harvesting Room
Shows how much investment gain you can take this year at a zero percent tax rate, and what a larger gain costs.
Capital Gains and Your Tax Rate
Shows the tax rate on your next dollar of gain and on your next dollar of ordinary income, and which one pushes the other.
Estate and inheritance
Gift Tax Return Checker
Tells you whether a gift needs a gift tax return, and how much of it counts against your lifetime exclusion.
Or take the whole set as one post
One post with the calculators above. Paste it into a new post as it is, or rewrite the introduction in your voice.
A ready-made post for your blog, with 3 of the calculators above.
Make the introduction your own. Adapt the post as you like; we keep the calculators up to date.
Filled in, the first sentence of the post is yours: “At your firm, these calculators show the arithmetic behind the questions we hear most.”
- 1Open Posts, then Add New, and give the post a title.
- 2Add a Custom HTML block (type /html). In the classic editor, use the Code tab.
- 3Paste, preview, publish. Do this as an administrator.
On a phone? Email this page to yourselfText it to yourself
Download as a file: · ·
3 of 19 tools are included. Change which ones
Saving while you work
Your house and your mortgage
Taxes in retirement
Estate and inheritance
Why firms put these on their sites
- It ends with you
- Every tool closes by telling the reader to talk with a professional who knows their whole situation. The reader is on your site, so the next step is your door.
- Something to do, not just read
- A visitor who runs their own numbers stays longer than one who reads, and the number they get is the question they bring to you. Every figure traces to a statute, regulation, or agency release, and when the law moves, it changes here.
- In plain words
- Every tool opens with a plain-English line on what it does and where it stops, so visitors use it without help and know its limits.
Built by Joshua Mangoubi, CFA, MBA. Joshua is a financial adviser who likes building things that help people think clearly about money. We hope these are useful to you and your clients. The tools are educational estimates from primary sources, not advice. Corrections are welcome through the contact page.
Terms. Cite any page, quote any figure with the year attached, or use the links above with the attribution left as it is; add nofollow or any other attribute to the links if you like. No reciprocal link, ever. All 19 professional shelves.