Cash on Track — Free Financial Calculators
Free financial calculators to help you budget, crush debt, plan for retirement, estimate taxes, and build wealth. Uses verified 2025 IRS data. 100% private — no sign-up required.
Debt Calculators
- Credit Card Payoff Calculator — See your debt-free date and total interest cost
- Debt Snowball Calculator — Compare snowball vs avalanche payoff strategies
- Debt Consolidation Calculator — Find out if consolidating saves you money
- Student Loan Calculator — Plan your path to loan-free life
- Buy Now Pay Later Calculator — See the true cost of BNPL
- Car Affordability Calculator — Find your smart car budget
Mortgage Calculators
- Home Affordability Calculator — How much house can you afford?
- Mortgage Payoff Calculator — See how extra payments save thousands
- Rent vs Buy Calculator — Compare 5-year costs of renting vs buying
- Refinance Calculator — Should you refinance your mortgage?
Retirement Calculators
- Retirement Savings Calculator — Project your retirement nest egg
- Roth vs Traditional IRA Calculator — Which IRA saves you more?
- Social Security Calculator — Estimate your benefits
- FIRE Calculator — When can you retire early?
Tax & Income Calculators (2025 — Updated for One Big Beautiful Bill Act)
- Take Home Pay Calculator — See your actual paycheck after taxes, updated with OBBBA no-tax-on-tips and no-tax-on-overtime
- 2025 Tax Bracket Calculator (OBBBA) — One Big Beautiful Bill Act permanent brackets: 10%, 12%, 22%, 24%, 32%, 35%, 37%
- Self-Employment Tax Calculator — OBBBA 23% QBI deduction, Social Security + Medicare for freelancers
- Quarterly Tax Calculator — Estimate your estimated tax payments
Savings Calculators
- Compound Interest Calculator — See the magic of compound growth
- 50/30/20 Budget Calculator — Split your income into needs, wants, savings
- Emergency Fund Calculator — How much safety net do you need?
- Savings Goal Calculator — Reach any financial goal
- Inflation Calculator — What will your money be worth in the future?
- College Savings Calculator — Plan for education costs
- HSA Optimizer — Maximize your health savings account
- Net Worth Calculator — Track your total financial picture
All tax calculators updated for the One Big Beautiful Bill Act (OBBBA), signed July 4, 2025. Includes permanent tax brackets, no tax on tips (up to $25K), no tax on overtime (up to $12.5K), $40,000 SALT cap, $2,200 Child Tax Credit, $6,000 senior bonus deduction, and 23% QBI deduction. Standard deductions: $15,750 (Single), $31,500 (Married Filing Jointly), $23,625 (Head of Household).
© 2026 Cash on Track. For educational purposes only — not financial advice.