Real formulas. Plain-English results. Free, no account required.
is not in our library yet.
Keyboard: digits · + − × ÷ ^ ( ) · Enter = equals · Esc = clear · Backspace
FigureNerd calculators show the real math, not a marketing page dressed up as one. Every tool starts from an actual question, uses a primary source like IRS publications or ACCA Manual J, and gets checked by someone with real field experience before it goes live. See the full methodology.
Browse by category
Runway, break-even, and withdrawal calculators covering Social Security claiming age, required minimum distributions, and 401(k) contribution limits. Each tool is state-tax aware where it matters, so the number you see is closer to what you would actually keep after taxes, not just a gross projection.
What will my 401(k) actually be worth at retirement?
What's my required minimum distribution this year?
What does cashing out my 401(k) early really cost me?
What's my maximum solo 401(k) contribution this year?
How should I sequence Roth conversions without tripping IRMAA or NIIT?
Do I owe the 3.8% Net Investment Income Tax?
What age should I actually claim Social Security?
Does my retirement plan survive a bad market or a long life?
Will my retirement savings actually outlast me?
Tools for the tax side of owning or selling property, including 1031 exchange failure costs, depreciation recapture, and mortgage payments. Each calculator names the IRS section or agency guideline behind its math, so you can trace the number back to its source and check our work yourself.
What's my real monthly payment, including taxes, insurance, and PMI?
What do I owe if my 1031 exchange falls through?
What's the tax hit when I sell a depreciated property?
Material and cost estimators for drywall, roofing, and permits, built on RSMeans industry formulas and field-tested waste factors. Designed to help you order the right amount the first time, avoid a second supply run, and compare contractor bids against real numbers instead of a gut feeling.
How many gallons of paint and primer does this room need?
How many sheets, screws, and how much compound do I need?
How many bundles of shingles does my roof need?
What order do remodel phases actually go in?
What will my building permit actually cost?
What should builders risk insurance cost for my project?
What will materials cost to build my house?
Which contractor bid is really the better deal?
How long will my home build actually take, phase by phase?
A payoff calculator for credit card debt that shows how extra payments change your timeline and total interest paid. Compare a few payment amounts side by side to see the real cost of carrying a balance before deciding what to pay down first and what to leave alone.
How much would a higher payment actually save me?
Built for freelancers, gig workers, and small business owners who file their own quarterly estimates. These calculators walk through self-employment tax, S-Corp savings, and deductions that are easy to miss, using current-year IRS figures and plain-English explanations instead of tax-software jargon.
What will I owe in self-employment and federal tax this year?
Line-by-line Schedule SE worksheet for self-employed filers.
What do I owe the IRS this quarter, and when is it due?
What does my state actually charge to form and keep an LLC?
Printable worksheet to bring your S-corp numbers to your CPA.
Would electing S-corp status actually save me money?
Did I underpay my estimated taxes, and what's the penalty?
What will it actually cost to form and start my LLC?
What rate should I charge to hit my take-home goal?
What do I owe on DoorDash, Uber, Instacart, and other gig income?
What does Uber or Lyft actually pay me per hour after expenses?
Sizing and cost tools for heating and cooling equipment, built on ACCA Manual J and NEEP cold-climate performance data. Compare heat pump payback, refrigerant options, and replacement costs before a contractor gives you a number, so you can ask better questions.
What size HVAC unit does my home actually need?
What size AC do I need, in plain English?
Is it cheaper to charge my EV at home or in public?
What size boiler does my home need, and what will fuel cost?
What will a full HVAC replacement actually cost, line by line?
How do R-410A and R-454B compare on cost and climate impact?
How much efficiency does my heat pump lose in the cold?
How do two heat pump models compare at my winter temperatures?
How long until a heat pump pays for itself after rebates?
Room brightness and LED savings calculators that translate watts and lumens into numbers you can actually use when shopping for bulbs or planning a room. Includes a savings estimate for switching an existing fixture to LED, based on your local electricity rate and hours of use per day.
How does this LED's brightness compare to my old bulb?
How bright should my room be, and what will LED save me?
How many lumens does this room actually need?
How much would switching to LED actually save me?
Food cost, labor cost, and prime cost calculators built for operators who already know their numbers and want a fast way to check them against industry-standard targets. Also includes a recipe costing worksheet for pricing a new menu item before it goes on the board.
What should this menu item actually cost to make and sell?
Is my restaurant's food cost where it should be?
Is my labor cost within industry benchmarks?
Ten calculators for running the numbers on a commercial kitchen.
Are my food and labor costs within the 60% target?
A true cost of ownership calculator for motorcycles that accounts for insurance, depreciation, gear, maintenance, and resale value. Designed to bring the number in your head before a purchase closer to the number you will actually pay over the years you own the bike.
What will this motorcycle actually cost me to own?
Quick-reference tools for fast answers that do not require picking a specific calculator first, including this scientific calculator, a deduction finder that scans your situation for likely write-offs, and a tax deadline calendar with every quarterly and annual filing date in one place.
What deductions am I probably missing?
When is my next tax deadline?
Need a scientific calculator for a quick side calculation?
Works backward from your take-home goal to show the rate you actually need to charge. Covers SE tax, health, retirement, overhead.
Find out if switching your LLC to an S-Corp actually saves you money after payroll costs and extra tax returns. Break-even included.
How much can you withdraw in retirement, and will it last? State-tax-aware, Social Security included, runway to age 100.
Safe harbor, underpayment penalty, federal and state breakdown. Schedule the 4 payment dates and amounts. For 1099 and self-employed.
Stress-test your retirement against bear markets, long life, medical events, and early retirement. Green, yellow, red verdict per scenario.
Find the exact age where waiting to claim beats claiming at 62. Compares 62, 67, and 70 claim ages with cumulative benefit totals. 2026 FRA tables.
DoorDash, Uber, Lyft, Instacart, Shipt, Amazon Flex, Grubhub all in one. SE tax, federal, state, quarterly schedule. No email needed.
What Uber and Lyft actually pay you per hour after gas, depreciation, maintenance, insurance, and dead miles. The real number.
Before you sign at the dealership. Includes insurance by state, depreciation by category, gear, tires, chain, resale projection.
State rebates, the HEEHRA income-based rebate, and your actual fuel, with or without the now-expired federal 25C credit. National coverage, plain English.
Side-by-side cost: home Level 2, public DCFC, workplace, and equivalent gas car. Level 2 install payback included. State electricity rates pre-loaded.
RSMeans formula: walls plus ceiling, door and window deductions, waste factor. Returns sheets, screws, joint compound. Voice readback for the job site.
Bundle count, starter strip, ridge cap, underlayment, and ice-and-water shield from footprint and pitch. Waste factor included. Know before you order.
Simplified Manual J. BTU per hour, tonnage, recommended unit size range. Climate zone adjusted (ND Zone 6 included). Voice readback for the field.
Heat loss, recommended boiler output with safety factor, AFUE fuel cost comparison at 80, 90, and 95 percent efficiency. ND design temps built in.
Interactive 21-phase remodel order of operations. Tap any phase: prerequisites, parallel runs, inspection gates, what to order now. Voice readback.
Real-world COP at 47F, 17F, 5F, and -13F. Cold-climate vs standard heat pump performance derating. NEEP-spec-grounded.
Side by side compare two NEEP-listed cold-climate heat pumps at your outdoor design temperature. COP table at 47F, 17F, 5F, and -13F.
EPA AIM Act phasedown impact. GWP delta, retrofit complexity, cost estimate range, refrigerant scarcity window. Updated for EPA SNAP Rule 26.
Line-by-line estimate for furnace, AC, heat pump, or mini-split replacement. Equipment, labor, permits, and removal all broken out. No guessing at the quote.
What you owe if your like-kind exchange falls apart. Federal depreciation recapture, LTCG, NIIT, state capital gains. IRC §1031 timeline rules tracked.
How bright should your room be, and what will switching to LED save you? Watts don't mean bright anymore. Five lighting calculators covering room brightness, LED savings, and light levels by room, plain-English formulas, no signup.
Food cost, labor cost, prime cost, break-even, dishwasher payback, walk-in cooler sizing. 10-calculator set by people who actually know commercial food equipment. Walk-in BTU calc live now.
Food cost plus labor cost as a percent of sales. See if you are inside the 60% industry target and what to change if not. Designed for operators who know their numbers.
Forms that read like a foreign language. Fees tucked into fine print. Rules that take an afternoon to decode and 90 seconds to actually use. That is The Absurd, and it is why hard-working people overpay every year.
FigureNerd is here with solutions. Every week we take one confusing thing and turn it into a free calculator that shows the real math, line by line, in plain English. No signup needed. Feel good about your numbers again.
Know someone stuck in The Absurd? Send them a solution.Every FigureNerd tool starts with a real question from a real person. Tell us the number you want figured out. The most-requested tools ship first.
Email is optional. We never spam. If you leave it, we email you once when your tool ships. That's it. No newsletter unless you ask. Every request gets read by our team. New tools every week.
One email a month, one roundup of what shipped. No spam. Unsubscribe anytime.
A few pages on this site link to outside services, like business formation or registered agent providers. We link to a partner only after checking that its pricing is disclosed upfront and its service does what it claims. Some of these links are affiliate links, which may earn us a commission at no extra cost to you. That relationship never changes which calculator result you see.