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Money math, minus the mystery
Free personal-finance calculators for US taxes, housing, retirement, and investing. Run RSU withholding, quarterly estimated tax, rent vs buy, and Social Security break-even in your browser — no signup, nothing sent anywhere.
11
calculators
$0
to use, forever
0
accounts, ads, trackers
100%
of it runs in this tab
Tax and withholding
The lines that cost you for one dollar
The ones a spreadsheet makes miserable: thresholds that interact, cliffs that cost four figures for a single dollar, and withholding rates that were never meant to match your bracket.
Tax Threshold Headroom
Find out how much more you can realize this year before you cross a line that costs you.
RSU Withholding Estimator
See whether the flat 22% withheld on your vesting shares leaves you owing in April.
Quarterly Estimated Tax
Work out what a freelancer or 1099 earner has to send the IRS, four times a year.
S-Corp Salary vs Distribution
Find the salary that costs you least — and see what the popular saving figure leaves out.
Kept current
Every bracket, tier, and threshold is dated
6 of these tools depend on figures that change annually. They all read from one file, they all say which year they used, and every export prints it too.
Currently 2026Housing
Arithmetic that runs longer than your patience
Two decisions with more moving parts than anybody can hold in their head, and where the popular answer — buy, and pay it down early — is right often enough to be dangerous.
Debt Payoff Calculator
Plan every debt at once and get the cheapest order to clear them in.
Interest Calculator
Project how a lump sum plus regular contributions grows over time.
Stock Calculator
Project a share position with both sides of the return: price growth and dividends.
More on the way
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Every calculator here exists because somebody asked for it. Ask for the next one.
Request a toolHow this site behaves
Runs on your laptop
The math happens in this tab. Your figures never leave the browser.
Nothing to sign up for
No account, no email, no free trial quietly counting down.
Takes the answer with you
Every calculator exports a clean PDF, or prints the exact same one.
Nobody watching
No analytics, no pixels, no cookies. I have no idea you're here.
No ads, no subscriptions, no tracking. Just the people who use it, keeping it up.
Holdentree is here to make the hard money decisions legible. If something on it saved you an hour — or a genuinely bad decision — there's a coffee fund for that.