Make smarter money decisions with Smart Tools Lab
Free, private U.S. calculators for home, borrowing, saving, retirement and taxes — clear estimates before you compare products.
10 flagship U.S. money tools
Start with the decision that can move the most money
Our highest-impact calculators for buying a home, borrowing, earning more on cash, retirement and U.S. taxes.
- #01Home buyingOpen calculator
Home Affordability Calculator
Find a realistic U.S. home-price range.
- #02Home buyingOpen calculator
Mortgage Calculator
Estimate PITI, PMI and the true monthly cost.
- #03Home equityOpen calculator
Refinance Calculator
Test savings, costs and your break-even point.
- #04Home equityOpen calculator
HELOC Payment Calculator
Stress-test the draw and repayment phases.
- #05Cash savingsOpen calculator
High-Yield Savings Calculator
APY growth after fees, tax and inflation.
- #06Cash savingsOpen calculator
CD Calculator
See maturity value and withdrawal penalties.
- #07BorrowingOpen calculator
Auto Loan Calculator
See drive-away cost, payment and sales tax.
- #08Federal taxOpen calculator
Federal Income Tax Calculator
Estimate federal tax, brackets and refund.
- #09Self-employed taxOpen calculator
1099 Tax Calculator
Estimate 1099 tax and quarterly set-asides.
- #10RetirementOpen calculator
Retirement Calculator
Turn savings and withdrawals into a plan.