# FinancialAha Financial Calculators

> FinancialAha: financial spreadsheet templates and free calculators for personal financial planning and business finances. One-time purchases, no subscription, no bank connection. Most templates work in Microsoft Excel and Google Sheets; each template page clearly lists what that template is compatible with. The templates are plain .xlsx files, so they also open in LibreOffice. Your financial data stays in your own spreadsheet - in your Google account, or on your own device with Excel. FinancialAha never sees or stores it.

- Last updated: 2026-08-24 (this file is regenerated from the product data layer on every site build)
- Scope: every free calculator. Site-wide context: [llms.txt](https://www.financialaha.com/llms.txt)

## Financial Calculators (All Free)

All 43 FinancialAha calculators are free and run in the browser with no login or data stored. US-specific calculators (401k, Roth IRA, HSA, Social Security, income tax) reflect 2026 US rules; the rest use generic math with user-supplied inputs. Educational planning tools, not financial advice.
- [Full calculator list](https://www.financialaha.com/financial-calculators/)
- [Machine-readable calculator feed](https://www.financialaha.com/api/calculators.json): jurisdiction, tax-year, and embed metadata
- [Embed calculators on your website](https://www.financialaha.com/financial-calculators/embed-on-your-site/): Free, no API key required

## All Calculators by Category

### Savings & Growth Calculators
- [Savings Calculator](https://www.financialaha.com/financial-calculators/savings-calculator/): Calculate how your savings will grow over time with regular contributions and compound interest.
- [Emergency Fund Calculator](https://www.financialaha.com/financial-calculators/emergency-fund-calculator/): Estimate an emergency fund size based on your monthly expenses.
- [College Savings Calculator](https://www.financialaha.com/financial-calculators/college-savings-calculator/): Calculate how much to save for college with projected future costs and monthly savings needed for a 529 plan.
- [Roth IRA Growth Calculator](https://www.financialaha.com/financial-calculators/roth-ira-growth-calculator/): Project tax-free retirement growth in your Roth IRA.
- [HSA Triple Tax Advantage Calculator](https://www.financialaha.com/financial-calculators/hsa-calculator/): See the full tax benefits of HSA investing.

### Debt Management Calculators
- [Debt Payoff Calculator](https://www.financialaha.com/financial-calculators/debt-payoff-calculator/): Calculate how long it will take to pay off your debt and compare payoff strategies.
- [Loan Payment Calculator](https://www.financialaha.com/financial-calculators/loan-payment-calculator/): Calculate monthly loan payments and view a complete amortization schedule.
- [Credit Card Payoff Calculator](https://www.financialaha.com/financial-calculators/credit-card-payoff-calculator/): Compare debt snowball vs avalanche methods to find the fastest way to pay off multiple credit cards.
- [Student Loan Calculator](https://www.financialaha.com/financial-calculators/student-loan-calculator/): Compare student loan repayment plans - Standard, Extended, and Income-Driven Repayment (IDR).

### Planning & Retirement Calculators
- [Financial Runway Calculator](https://www.financialaha.com/financial-calculators/financial-runway-calculator/): Calculate how long your savings will last based on your current spending rate.
- [Net Worth Calculator](https://www.financialaha.com/financial-calculators/net-worth-calculator/): Calculate your net worth by subtracting your liabilities from your assets.
- [Retirement Calculator](https://www.financialaha.com/financial-calculators/retirement-calculator/): Calculate how much you need to save for retirement and if you're on track.
- [50/30/20 Budget Calculator](https://www.financialaha.com/financial-calculators/budget-calculator/): Allocate your income using the popular 50/30/20 budgeting rule.
- [FIRE Calculator](https://www.financialaha.com/financial-calculators/fire-calculator/): Calculate your path to Financial Independence, Retire Early (FIRE).
- [Inflation Calculator](https://www.financialaha.com/financial-calculators/inflation-calculator/): Calculate the impact of inflation on purchasing power over time.
- [Social Security Calculator](https://www.financialaha.com/financial-calculators/social-security-calculator/): Compare claiming Social Security at ages 62, 67, and 70 and see how the monthly and lifetime amounts differ.
- [401(k) Calculator](https://www.financialaha.com/financial-calculators/401k-calculator/): Project your 401(k) growth with employer matching and see how much you could have at retirement.
- [Coast FIRE Calculator](https://www.financialaha.com/financial-calculators/coast-fire-calculator/): Find when you can stop saving for retirement and coast.
- [401(k) vs Roth 401(k) Calculator](https://www.financialaha.com/financial-calculators/401k-vs-roth-401k-calculator/): Compare pre-tax and Roth 401(k) contributions.
- [Backdoor Roth IRA Calculator](https://www.financialaha.com/financial-calculators/backdoor-roth-calculator/): See benefits of the backdoor Roth strategy for high earners.
- [Mega Backdoor Roth Calculator](https://www.financialaha.com/financial-calculators/mega-backdoor-roth-calculator/): Models after-tax contributions and conversions beyond the standard limits.
- [Net Worth Percentile Calculator](https://www.financialaha.com/financial-calculators/net-worth-percentile-calculator/): See how your net worth compares to others your age using official wealth survey data.
- [Income Percentile Calculator](https://www.financialaha.com/financial-calculators/income-percentile-calculator/): See how your income compares to others your age using official survey data.

### Investment Calculators
- [Compound Interest Calculator](https://www.financialaha.com/financial-calculators/compound-interest-calculator/): Visualize how compound interest grows over time.
- [Investment Returns Calculator](https://www.financialaha.com/financial-calculators/investment-returns-calculator/): Calculate your investment returns, ROI, and compound annual growth rate (CAGR).

### Mortgage & Home Calculators
- [Mortgage Payment Calculator](https://www.financialaha.com/financial-calculators/mortgage-payment-calculator/): Calculate your monthly mortgage payment including property tax, insurance, and PMI.
- [Home Affordability Calculator](https://www.financialaha.com/financial-calculators/home-affordability-calculator/): Find out how much house you can afford based on your income, debts, and down payment.
- [Rent vs Buy Calculator](https://www.financialaha.com/financial-calculators/rent-vs-buy-calculator/): Compare the costs of renting versus buying a home over time.
- [Mortgage Refinance Calculator](https://www.financialaha.com/financial-calculators/mortgage-refinance-calculator/): Calculate potential savings from refinancing and find your break-even point.
- [Down Payment Calculator](https://www.financialaha.com/financial-calculators/down-payment-calculator/): Plan your savings goal for a home down payment and see when you'll reach it.
- [Rent vs Sell Calculator](https://www.financialaha.com/financial-calculators/rent-vs-sell-calculator/): Compare the financial outcomes of renting out your property versus selling it.

### Auto Calculators
- [Auto Loan Calculator](https://www.financialaha.com/financial-calculators/auto-loan-calculator/): Calculate your car payment with trade-in value, down payment, and total loan cost.
- [Car Affordability Calculator](https://www.financialaha.com/financial-calculators/car-affordability-calculator/): Calculate how much you can afford to spend on a car based on your budget and income.
- [Lease vs Buy Car Calculator](https://www.financialaha.com/financial-calculators/lease-vs-buy-calculator/): Compare the true cost of leasing vs buying a car over time.

### Tax & Income Calculators
- [Income Tax Calculator](https://www.financialaha.com/financial-calculators/income-tax-calculator/): Estimate your income tax liability with custom federal, state, and local tax rates.
- [Paycheck Calculator](https://www.financialaha.com/financial-calculators/paycheck-calculator/): Calculate your take-home pay after taxes, retirement contributions, and other deductions.
- [Salary Converter Calculator](https://www.financialaha.com/financial-calculators/salary-converter-calculator/): Convert your salary between annual, monthly, weekly, and hourly rates to compare job offers and understand your true pay.
- [Self-Employment Tax Calculator](https://www.financialaha.com/financial-calculators/self-employment-tax-calculator/): Calculate your freelance take-home pay after self-employment and income taxes.
- [Side Hustle Profit Calculator](https://www.financialaha.com/financial-calculators/side-hustle-calculator/): Calculate your true gig income after taxes and expenses.
- [Capital Gains Tax Calculator](https://www.financialaha.com/financial-calculators/capital-gains-tax-calculator/): Estimate taxes on investment profits for short-term and long-term gains.
- [After-Tax Return Calculator](https://www.financialaha.com/financial-calculators/after-tax-return-calculator/): See your true investment returns after taxes.
- [Tax Drag Calculator](https://www.financialaha.com/financial-calculators/tax-drag-calculator/): Visualize how taxes erode investment returns over time.
- [Roth Conversion Calculator](https://www.financialaha.com/financial-calculators/roth-conversion-calculator/): Compare traditional IRA vs Roth conversion outcomes.

## More

- [llms.txt](https://www.financialaha.com/llms.txt): the curated site-wide map for AI agents
- [llms-full.txt](https://www.financialaha.com/llms-full.txt): the complete reference (full catalogs, FAQ, glossary)
- [products.json](https://www.financialaha.com/api/products.json) and [calculators.json](https://www.financialaha.com/api/calculators.json): machine-readable feeds