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Financial Planning Calculators
Mortgage, loans, amortization, compound interest, retirement projections, tax estimates, salary analysis, inflation, currency conversion, and more, all in one tool.
Open Calculators →Max My Benefits
Calculate exactly how much per paycheck to max out your 401(k), HSA, FSA, and other benefits. Works mid-year with a catch-up plan.
Open Calculator →College Savings Calculator
See how much you need to save each month to pay for college. The chart shows your money growing over time so you can see if you're on track.
Open Calculator →Mortgage & ARM vs Fixed Rate
Compare adjustable-rate and fixed-rate mortgages side by side. See monthly payments, total interest, breakeven rates, and full amortization schedules.
Open Calculator →RMD Projection Calculator
Email RequiredCalculate your Required Minimum Distributions with IRS-correct formulas. Accounts for SECURE Act rules and projects distributions over your lifetime.
Unlock Calculator →Social Security Couples Breakeven
Email RequiredCompare Social Security claiming strategies for couples. Explore spousal benefits, survivor benefits, and breakeven analysis across different claiming ages.
Unlock Calculator →Student Loan Projector
Email RequiredProject your student loan repayment across every plan, including Standard, IBR, PAYE, ICR, PSLF, and more. Compare tax impact, forgiveness, and total cost side by side.
Unlock Calculator →ACA 2026 Subsidy Cliff Calculator
Email RequiredSee how the return of the ACA subsidy cliff in 2026 impacts your health insurance premiums. Illustrates your expected subsidies and the income thresholds where they phase out.
Unlock Calculator →Client-Only Tools
For HealthyFP Clients
These tools are reserved for clients of HealthyFP. If you’re a current client, reach out and we’ll get you set up.
Health Insurance Comparison
Put your health plans side-by-side and see which one actually costs less when you add it all up, including copays, deductibles, prescriptions, and even long-term HSA growth.
Client Access OnlyComprehensive Tax Calculator
Estimate your federal tax liability with detailed bracket analysis including income tax, capital gains, self-employment tax, and available deductions.
Client Access OnlyMedicare Eligibility & Cost Calculator
Medicare is confusing. This walks you through when to sign up, what it costs, and whether your income means you’ll pay extra. Step by step, no jargon.
Client Access OnlyRental Property Analyzer
Thinking about buying a rental? Plug in the price, rent, and expenses, and see if the numbers actually work, with charts showing cash flow, returns, and tax benefits over 30 years.
Client Access OnlyPension Payout Analyzer
Lump sum or monthly payments? Single life or joint? This tool lays out all your pension choices on a color-coded chart so you can see which option pays the most depending on how long you live.
Client Access Only