Free financial calculators
Twelve calculators covering retirement, Social Security, RMDs, net worth, loans, rent vs buy, debt payoff, your paycheck, and budgeting. No signup, no email address, nothing saved to an account — every one runs entirely in your browser. Your numbers are saved only in this browser, so they’re still here next time, and they’re never sent to Beyond Payday.
Retirement & net worth
Retirement Calculator
See how much you need to retire based on your age, savings, contributions, and expected returns, with year-by-year projections.
Social Security Claiming Age Calculator
Compare monthly Social Security benefits at every claim age from 62 to 70, with lifetime totals and breakeven ages, using SSA’s published rules.
RMD Calculator
See when your required minimum distributions start, this year’s RMD from the IRS Uniform Lifetime Table, and your first-RMD deadline.
Net Worth Calculator
Add up your assets and subtract your debts for an itemized net worth breakdown.
Net Worth Percentile Calculator
See what percentile your net worth lands in for your age, based on Federal Reserve Survey of Consumer Finances data.
Loans & debt
Loan Payoff Calculator
Find your payoff date, total interest, and how much extra payments save you.
Loan Payment Calculator
Calculate the monthly payment and full amortization schedule for a mortgage, auto loan, or personal loan.
Debt Avalanche vs. Snowball
Compare the avalanche and snowball payoff methods with your own debts to see which pays off faster.
Rent vs Buy Calculator
Compare the estimated net cost of buying a home with renting over the years you choose, including PMI, property tax, upkeep, selling costs and investment growth.
Paycheck & budget
Take-Home Pay Calculator
Calculate net pay after federal, state, and FICA taxes, for all 50 states and common pre-tax deductions.
Emergency Fund Calculator
Find out how many months of essential expenses your savings cover, how long they would last with any income you still have, and how much more you need for a full cushion.
50/30/20 Budget Calculator
Split your take-home pay into needs, wants, and savings using the 50/30/20 rule.
These calculators are single-purpose. Beyond Payday is the whole picture.
Every number above stays in this one browser. Beyond Payday tracks your income, bills, assets, and debts together, and keeps your retirement projection updated as your real numbers change — free to start, no credit card.