Free Financial Tools for Everyone
Privacy-focused calculators and planners to help you make smarter financial decisions
Featured Tools
Millionaire Calculator
Calculate when you'll become a millionaire based on savings and returns
Compound Interest Calculator
See how your savings grow over time with compound interest
Budget Planner
Track income vs expenses with visual pie charts
Net Worth Tracker
Calculate your total net worth from assets and liabilities
Debt Payoff Calculator
Compare snowball vs avalanche strategies to eliminate debt faster
Emergency Fund Calculator
Calculate how many months of expenses you have saved
Savings Goal Tracker
Set a savings goal and see your monthly plan to achieve it
Loan Amortization Calculator
See your complete loan payment schedule and payoff timeline
Balance Transfer Calculator
Calculate savings from transferring credit card debt to 0% APR
Vacation Savings Planner
Plan and save for your dream vacation with a custom timeline
Net Worth Age Comparison
Compare your net worth to benchmarks for your age group
Global Income Percentile Calculator
See where you rank in the world's income distribution
Wealth Comparison Game
Compare your income across 20 major US cities and see where you rank
Mortgage Calculator
Calculate monthly payments, total interest, and compare loan scenarios
Retirement Calculator
Plan for retirement with savings projections and income estimates
Stock Returns Calculator
Calculate total returns including dividends and compare investment performance
📺 Investment Video Library
Search through indexed video transcripts from Warren Buffett, Charlie Munger, and legendary investors. Jump to exact timestamps on specific topics.
Search by Topic
Find discussions on compound interest, intrinsic value, competitive advantage, and more
Timestamp Deep Links
Click any result to watch the video starting at that exact moment
Topic Summaries
Read summaries, key quotes, and speakers for each topic segment
Financial Comparison Guides
Make confident financial decisions with expert-written comparison guides. Each includes detailed analysis, real-world examples, and decision frameworks — all 100% free and privacy-focused.
Roth IRA vs. Traditional IRA
Compare tax benefits, income limits, and withdrawal rules to choose the right IRA for your goals.
401(k) vs. IRA vs. Roth IRA
Learn how employer matching and contribution strategies impact long-term returns.
PPO vs. HMO vs. HDHP
Understand plan types, premiums, and which saves you the most.
Rent vs. Buy
Analyze homeownership vs. renting using the 5% rule and hidden cost breakdowns.
Debt Avalanche vs. Snowball
Learn which debt payoff strategy saves more based on your goals.
HSA vs. FSA vs. HRA
Understand healthcare account differences, tax perks, and rollover rules.
Comprehensive Analysis
Every guide includes data-backed comparisons and real-world examples.
Decision Frameworks
"Choose X if..." logic helps tailor each decision to your situation.
Always Free
Honest, unbiased comparisons written for everyday users.
Tool Categories
Personal Finance
Budget planners, savings calculators, and net worth trackers
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Debt & Credit
Debt payoff, loan, and credit card calculators
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Housing & Real Estate
Home buying, mortgage, and real estate investment calculators
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Healthcare & Insurance
Health insurance comparison, HSA vs FSA, and medical cost tools
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Investment
Stock, bond, and portfolio calculators
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Retirement Planning
Retirement calculators, 401(k) planning, and Social Security tools
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Economic & Inflation
Inflation calculators, purchasing power analysis, and economic tools
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Policy & Economics
Sustainability, carbon footprint, green energy ROI, and economic policy tools
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Fun & Viral Tools
Engaging financial calculators, reality checks, and shareable tools
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Career & Income
Salary, raise, and career advancement calculators
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Taxes
Tax estimators and withholding calculators
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Transportation
Car ownership, vehicle financing, and transportation cost calculators
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Family & Parenting
Childcare, education, pets, and lifestyle decision calculators
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Banking & Savings
Savings account, CD, and interest rate calculators
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Student Loans
Student loan repayment and refinancing calculators
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Decision & Comparison Tools
Smart purchase decisions, payment comparisons, and financial trade-offs
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Miscellaneous Calculators
Utility calculators that support other financial decisions
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Small Business
Business loans, profit margin, and startup cost calculators
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Wealth Comparison
Income, net worth, and wealth ranking calculators
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International Trade
Import/export calculators, tariff rates, and international business tools
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Financial Games
Learn money management through fun, interactive games
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Distance Conversion
Convert between kilometers, miles, meters, feet, and other distance units
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Blockchain & Cryptocurrency Security
Blockchain explorers, wallet security, and cryptocurrency verification tools
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Mathematics
Mathematical constants, series calculations, and algorithm visualizations
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Why Use FinancialToolset?
100% Private
All calculations happen in your browser. We never store your data.
Always Free
No hidden fees, paywalls, or premium tiers. Free forever.
No Signup Required
Start using any tool immediately. No account needed.
Ready to Take Control of Your Finances?
Explore our collection of free financial calculators and start planning your financial future today.
Explore All ToolsFrequently Asked Questions
Common questions about the Financial Toolset