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Compute the monthly principal & interest payment, total interest, and total paid for a fixed-rate mortgage.

Compute the future value of a principal with optional monthly contributions under a given compounding frequency.

Project a 401(k) account balance through retirement, including employee + employer contributions and compounded growth.

Estimate Social Security retirement benefits using the SSA bend-point formula and a simplified AIME approximation.

Estimate net (take-home) pay per paycheck using the IRS 2026 federal Percentage Method, FICA (Social Security 6.2% + Medicare 1.45% + Additional Medicare 0.9% above thresholds on FICA wages), and a state-aware tax estimate ($0 for the 9 no-income-tax states; Tax Foundation 2026 effective rates by income tier for all other states + DC).

Compute the user's eligible IRA contribution for 2026 given age, filing status, MAGI, and IRA type.

Compute the federal income tax impact of a SINGLE Roth conversion using 2026 IRS brackets.

Compute the required minimum distribution (RMD) for 2026 from a Traditional IRA / 401(k) / 403(b) / 457(b) account given the prior year-end balance and the owner's age.

Compute the user's annual HSA contribution limit for 2026 given age, HDHP coverage tier (self-only or family), and optional employer contribution.

Compute the inflation-adjusted value of an amount over a given number of years.

Compute the future balance of a savings account with an initial deposit, optional monthly contributions, and a fixed annual interest rate using monthly compounding.

Compute a personalized emergency fund target and savings timeline.

Compute the monthly payment, total interest paid, and total amount paid for a fixed-rate amortizing loan (personal loan, auto loan, student loan, etc.).