Smart Finance: Personal finance tools and guides that lead to action
Pick your goal, run the right calculator, and follow a practical guide for your next move in taxes, equity compensation, housing, investing, and debt planning.
Pick your goal and follow a concrete next step
Choose one objective, run the right calculator, read the guide, then take one immediate action.
Estimate federal and state taxes before filing or changing withholdings.
Track your wealth over time
Monitor your net worth with historical snapshots. Track assets, liabilities, and financial goals in one place with integrated calculators.
- Net worth tracking with historical snapshots and trend analysis.
- Financial goal planning with progress monitoring.
- Launch calculators prefilled with your profile data.
Financial Calculators
Free tools to help you plan and optimize your finances
Wash Sale Calculator
Free IRS wash sale calculator with Excel export. Check the 30-day rule for stocks, options, and RSUs. FIFO, LIFO, and specific lot support. Export results to Excel for tax filing.
Try it nowCapital Gains Tax Optimizer
Free capital gains tax optimizer. Import Fidelity or Robinhood holdings, calculate short-term and long-term gains per lot, simulate tax loss harvesting, and plan tax-efficient selling strategies.
Try it nowRSU Tax & Cost Basis Calculator
Calculate vesting taxes and cost basis for RSUs. Track federal, state, Social Security, and Medicare taxes. See why 22% withholding isn't enough and calculate capital gains on sales.
Try it nowStock Options & ESPP Tax Calculator
Calculate taxes on ISO, NSO, and ESPP stock compensation. Compare qualifying vs disqualifying dispositions, estimate AMT exposure, and see FICA breakdown.
Try it nowTax Calculators
Estimate your 2026 federal and state tax liability with detailed bracket breakdowns. Covers all filing statuses and deductions.
Try it nowCompound Interest Calculator
Project long-term savings and investment growth with recurring monthly contributions and customizable compounding frequency.
Try it nowLoan Calculator
Estimate monthly payments, total interest, and payoff timeline for personal, auto, and student-style loans with extra-payment scenarios.
Try it nowPaycheck Calculator
Estimate take-home pay by pay frequency with federal tax, FICA, state tax assumptions, and pre-tax contribution modeling.
Try it nowCar Lease Calculator
Calculate your car lease payment using capitalized cost, money factor, and residual value. Understand every line item to negotiate better deals.
Try it nowLease vs Buy Calculator
Should you lease or finance? Compare monthly payments, total cost of ownership, and find the best deal for your next car.
Try it nowMortgage Calculator
Calculate monthly mortgage payments with full amortization schedule. Compare fixed vs ARM loans and see PMI costs.
Try it nowRent vs Buy Calculator
Compare renting vs buying with hidden costs included. See which option is best including opportunity cost analysis.
Try it nowLatest Articles
Expert insights on personal finance and investing
RSU Sell-to-Cover Explained (2026): What Gets Sold, What You Owe, and What to Do Next
RSU sell-to-cover reduces surprise tax bills, but default withholding is often not enough. Learn how shares are sold, where shortfalls come from, and how to plan ahead.
Capital Gains Tax Brackets 2026: Rates, Thresholds, and Planning Moves
Understand 2026 short-term and long-term capital gains tax brackets, when NIIT applies, and which planning moves reduce your total tax bill.
AMT Calculator Scenarios for ISO Stock Options (2026): When Exercise Triggers Alternative Minimum Tax
ISOs can trigger Alternative Minimum Tax before you sell any shares. Use scenario modeling to estimate AMT exposure and choose an exercise plan you can fund.
Free Tools
All calculators are completely free to use with no sign-up required.
Expert Insights
Clear explanations of complex financial topics in plain English.
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