VAPORCALC
Free financial calculators that actually help you make decisions.
Mortgage Calculator
Calculate your monthly mortgage payment, total interest, and see a full amortization schedule. Add extra payments to see how much you save.
Mortgage vs Invest
Should you pay down your mortgage faster — or invest the extra cash? Compare net worth over time with multiple scenarios.
How Much House Can I Afford?
Based on your income, debts, and down payment — see your max home price at conservative and moderate debt-to-income (DTI) ratios.
Rent vs Buy
Should you rent or buy? Factor in appreciation, opportunity cost, taxes, and maintenance for a real comparison.
Refinance Calculator
Should you refinance your mortgage or student loans? Find your break-even month and total interest savings.
Compound Interest
Watch your money grow. See the power of compound interest with regular contributions, inflation-adjusted.
Take-Home Pay
Calculate your actual paycheck after federal tax, state tax, FICA (Social Security & Medicare), and pre-tax deductions. See monthly and biweekly breakdowns.
Roth vs Traditional
Which retirement account wins? Compare after-tax outcomes based on your current and expected retirement tax brackets.
401(k) Calculator
Project your 401(k) balance at retirement. See how contributions, employer match, and compound growth build your nest egg over time.
FIRE Calculator
How much do you need to retire early? Enter your savings, expenses, and returns to find your Financial Independence, Retire Early (FIRE) number and target date.
Coast FIRE
Can you stop saving and still retire on time? Find out if your current savings will compound to cover retirement.
Debt Snowball / Avalanche
Compare snowball vs avalanche strategies. See how fast you can crush your debts and how much interest you'll save.
Emergency Fund
How much cash should you keep? Get a personalized recommendation based on income stability, dependents, and coverage.
Auto Loan Calculator
Calculate your monthly car payment with trade-in value and sales tax. See the full amortization breakdown.
Student Loan Payoff
Compare minimum payments, extra payments, and refinancing side by side. See how fast you can be debt-free.
Investment Fee Impact
See how fund fees silently drain your returns. Compare expense ratios and watch the gap widen over decades.
Tax Bracket Visualizer
See exactly how your income is taxed across each federal bracket. Understand marginal vs effective tax rates.
Social Security Break-Even
Should you claim at 62, 67, or 70? Compare cumulative benefits and find the break-even ages for each strategy.
529 College Savings
Will your 529 cover tuition? Project savings growth against rising college costs and see your coverage gap.
Portfolio Rebalancer
Enter your holdings across Roth, Traditional & Taxable accounts. Get tax-optimized rebalancing trades with preset or custom strategies.
Salary Projection
Model your career earnings with annual raises, promotions, bonuses, and RSU vesting schedules — including custom, cliff, and backloaded splits.