CalcFi is a free financial calculator platform that cross-checks your mortgage, paycheck, debt, and retirement numbers against each other using live data sourced from the IRS, Federal Reserve, Treasury, SSA, and BLS.
What is CalcFi?
CalcFi is a browser-based financial tool that takes your personal numbers — mortgage amount, income, debt balances, savings — and runs them through interconnected calculators sourced to federal primary data. Outputs include monthly payment estimates, take-home pay, debt payoff timelines, retirement on-track dates, and tax liability forecasts. No signup or account is required; all calculations happen locally in your browser.
Key Features
- Cross-check calculations — Adjust one number (e.g., raise your mortgage payment by $200) and see the impact on other metrics (retirement on-track date shifts by 14 months). The math is connected across mortgage, paycheck, debt, and retirement calculators.
- Live federal data – Every formula cites an IRS, Fed, Treasury, SSA, or BLS source inline. Tax brackets, FICA limits, and rate thresholds refresh hourly from primary sources.
- Private local storage – Your saved numbers never leave your device. “Save for next year” snapshots are stored in browser local storage only — no email, no server, no sync.
- 346 calculators – The full index at /calculators covers mortgage, tax, retirement, debt, investing, insurance, career, and more. Spanish versions of 96+ calculators are available at /es.
- State Index – 50-state rankings across salary, tax burden, cost of living, mortgage rate, rent, and affordability, sourced from BLS, BEA, Census, Freddie Mac, HUD, and Tax Foundation. View at /maps.
- Free PDF export – Every calculator offers a free PDF with results, charts, and next steps, delivered to your inbox in under a minute.
- No paywalls or signup – All calculators, reports, and data are free forever. Optional ads fund the service.
Who is it for?
- Home buyers – Enter a house price and down payment to see the full monthly payment (principal, interest, taxes, PMI) and how it affects your retirement timeline.
- Gig workers / 1099 contractors – Calculate quarterly estimated taxes after mileage deduction and see what you keep after federal and state obligations.
- Debt payers – Compare snowball vs. avalanche payoff strategies, then watch your monthly take-home change as debt payments decrease.
- ITIN filers – Model a first U.S. paycheck, credit file impact, and tax obligations in a single flow.
What can you do with CalcFi?
- Run a mortgage payment and watch retirement date shift – Enter a new home price and down payment; the cross-check automatically updates your 401(k) on-track horizon.
- Compare state-level costs before relocating – Use the State Index to view salary, rent, and tax burden side by side for any two states.
- Generate a tax-filing estimate – Input W-2 wages, 1099 income, and deductions to preview your refund or balance due before filing.
- Export a printable financial snapshot – Save your current mortgage, emergency fund, and debt payoff status to a PDF report for advisor meetings or personal records.
How does it work?
Calculations run entirely in your browser using JavaScript. You enter your numbers directly on the page; inputs are never sent to CalcFi's servers. When you save a calculation, it is stored locally via IndexedDB. Tax brackets, rates, and economic data are fetched from live federal APIs and refreshed hourly. Changing one value automatically recalculates all interconnected metrics.
Pricing
CalcFi is 100% free — no signup, no paywalls, no email wall. Optional ads support the service.
FAQ
Is CalcFi really free?
Yes — free forever with no signup, no credit card, and no limits on usage. You can use every calculator, export PDFs, and save numbers without paying anything.
