US finance calculators
Accurate US math plus behavioral science. Every tool runs in your browser. No signup.
Educational estimates only. Not personalized advice.
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US Mortgage Calculator
Monthly payment, PMI estimate, property tax, insurance, and total interest with US monthly compounding.
US Tax Refund Estimator
Estimate federal refund or amount owed and see the forced-savings psychology of over-withholding.
US Paycheck Calculator
Federal, FICA, and state withholding estimates. See gross-to-net clearly.
US Loan Calculator
Amortized loan payment, total interest, and true cost of borrowing for personal or auto loans.
Which calculator should you use?
Match your situation to the right tool.
| Situation | Recommended tools |
|---|---|
| Buying a home | |
| Planning retirement | |
| Paying off debt | |
| Understanding your paycheck | |
| Building money habits |
Home & Mortgage
US mortgage math with behavioral checks on monthly payment anchoring.
Income & Taxes
US paycheck and tax refund estimates with money-illusion framing.
US Tax Refund Estimator
Estimate federal refund or amount owed and see the forced-savings psychology of over-withholding.
Behavioral lens: Mental accounting
US Paycheck Calculator
Federal, FICA, and state withholding estimates. See gross-to-net clearly.
Behavioral lens: Money illusion
US Loan Calculator
Amortized loan payment, total interest, and true cost of borrowing for personal or auto loans.
Behavioral lens: Debt aversion
Retirement
401(k), Social Security, and FIRE planning for US households.
401(k) Calculator
Project 401(k) growth with employer match, contribution limits, and free money left on the table.
Behavioral lens: Mental accounting
Social Security Calculator
Estimate benefits at ages 62, FRA, and 70 with claiming-age psychology.
Behavioral lens: Present bias
FIRE Calculator
Financial independence number, lean vs fat FIRE, and years to reach FI with US assumptions.
Behavioral lens: Optimism bias
Coast FIRE Calculator
Find when you can stop saving and let compounding finish the job.
Behavioral lens: Hyperbolic discounting
Debt
Payoff strategies that weigh math against motivation.
Savings & Investing
Compound growth, goals, inflation, and net worth tracking.
Compound Interest Calculator
Project growth with contributions and see the cost of waiting to start.
Behavioral lens: Present bias
Emergency Fund Calculator
Months of runway at 3, 6, and 12 month targets with anxiety-buffer framing.
Behavioral lens: Normalcy bias
Net Worth Calculator
Assets minus liabilities with percentile-style framing for progress, not comparison.
Behavioral lens: Social comparison
Savings Goal Calculator
Monthly savings needed for a goal date with commitment-device framing.
Behavioral lens: Implementation intentions
Inflation Calculator
See purchasing power change over time and counter money illusion.
Behavioral lens: Money illusion
Life Decisions
Cost of living and major money moves.
Behavioral Finance
Psychology-first tools that quantify anxiety, regret, and money personality.
Financial Anxiety Cost Calculator
Quantify what avoidance, over-insurance, and excess cash may be costing you each year.
Behavioral lens: Loss aversion
Financial Wellness Score
Measure your financial well-being with the CFPB’s 10-question scale and see how you compare nationally.
Behavioral lens: Financial security & choice
Financial Stress Score
A 0–100 stress score from cash flow, debt, emergency fund, and self-reported worry.
Behavioral lens: Availability heuristic
Delayed Gratification Calculator
Spend now vs invest — see the 10-year opportunity cost.
Behavioral lens: Present bias
Turn calculator insights into daily habits
PsyFi connects your accounts, tracks goals, and nudges you with behavioral science so the numbers on these pages become real progress.
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Last updated 2026-07-21. 2026 educational estimates. Estimates for education only. Not financial, tax, mortgage, or legal advice. US federal and state rules change. Verify current figures with the IRS, SSA, or a qualified professional before acting. PsyFi tools add behavioral context; they do not replace personalized planning.
Educational estimates only. Not personalized advice.