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myUSFinance
Finance calculators — United States
Tools for everyday money decisions
myUSFinance — Simple, accurate finance calculators for people in the United States.
Quick, focused calculators for budgeting, mortgages, investing, taxes, loans and more — built for U.S. users.
68+
Free Calculators
51
Expert Guides
10
Categories
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✓ No signup required
✓ No data stored
✓ Accurate formulas
✓ Mobile friendly
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Latest Financial Insights
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Debt
Complete Guide to Managing Debt
Strategies to tackle and eliminate debt effectively.
Retirement
Retirement Planning at Every Age
A decade-by-decade guide to securing your future.
Credit
Understanding Credit Scores
Tips to improve your credit rating and financial health.
Tax
Tax-Saving Strategies
Maximize your tax efficiency with smart planning.
Planning
Financial Planning for Families
Build security and stability for your loved ones.
401(k)
Maximizing Your 401(k)
Get the most from your employer-sponsored retirement plan.
Browse All Calculators
CREDIT
Credit & Lending Calculators
CURRENCY
Currency & Exchange Calculators
EDUCATION
Education & Planning Calculators
Why Financial Planning Matters
Financial planning is the cornerstone of long-term security and independence. According to the Federal Reserve's Survey of Consumer Finances, nearly 40% of American adults would struggle to cover an unexpected $400 expense. Without a clear plan, it becomes easy to fall behind on savings, accumulate high-interest debt, and miss opportunities for wealth-building through compounding returns. A structured financial plan helps you set realistic goals, allocate income effectively, and prepare for both expected milestones and unforeseen emergencies.
Whether you are a recent graduate starting your career, a growing family balancing childcare costs with mortgage payments, or someone approaching retirement, having the right tools at your fingertips makes all the difference. Financial calculators transform abstract concepts like compound interest, amortization, and tax liability into concrete numbers you can act on. By understanding exactly how your money grows, what your monthly obligations will be, and how different strategies compare, you gain the confidence to make informed decisions rather than guessing.
How to Use Our Calculators
1.
Choose Your Calculator
Browse our 10 categories or use the search bar to find the right tool for your financial question.
2.
Enter Your Numbers
Input your financial details like income, loan amount, interest rate, or savings goal. All calculations run locally in your browser.
3.
Get Instant Results
See your results immediately with clear breakdowns, charts, and actionable insights to guide your next financial step.
Popular Financial Topics
Budgeting
Master your monthly spending
Investing
Grow your wealth over time
Retirement
Plan for financial freedom
Taxes
Maximize deductions and credits
Financial Planning Checklist
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Build an Emergency Fund
Save 3-6 months of essential expenses in a high-yield savings account. Use our Emergency Fund Calculator to set your target.
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Create a Monthly Budget
Track income and expenses using the 50/30/20 rule or zero-based budgeting. Try our Budget Calculator.
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Pay Down High-Interest Debt
Focus on credit card balances and personal loans first. Compare strategies with our Debt Payoff Calculator.
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Maximize Retirement Contributions
Contribute enough to get your employer's 401(k) match, then consider a Roth IRA. Use our Retirement Calculator.
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Review Insurance Coverage
Ensure adequate health, life, auto, and homeowners insurance. Calculate your needs with our Life Insurance Calculator.
New Calculators
View All →Annuity Calculator
Calculate retirement annuity payouts
RMD Calculator
Required Minimum Distribution calculator
Business Loan Calculator
SBA and term loan payments
Crypto Tax Calculator
Cryptocurrency capital gains tax
Tip Calculator
Calculate tips and split bills
Net Income Calculator
Gross to net pay calculator