Free financial calculators
VestlyFi gives you the tools to understand your money, plan for your future, and make decisions with confidence.
All Calculators
Retirement Age Calculator
Tell us your income and savings; we calculate the exact age you can stop working for good.
Coast FIRE Calculator
Find out how much to save now so your money grows on its own, no more contributions needed.
Coast FIRE by Age
See the Coast FIRE number you need at 25, 30, 35, 40 and beyond, with reference tables for every spending level.
Barista FIRE Calculator
Quit your career early and let part-time work bridge the gap. We find the earliest age you could make the switch.
Quarterly Estimated Tax Calculator
Self-employed or 1099? Calculate your 2026 federal and state quarterly payments for all 50 states and never miss an IRS deadline.
Social Security Break-Even Calculator
Claim at 62, 67, or 70? Compare your lifetime benefits and find the age where waiting to collect pays off.
Compound Interest Calculator
See how money grows when returns stack on top of returns. Small amounts early beat large amounts late.
Mortgage Payoff Calculator
See exactly how much interest you'll pay over your loan, and how extra payments can shave years off your mortgage.
How Much House Can I Afford?
Enter your income and debts; we show what monthly payment you can handle and how big a home loan you can get.
Mortgage Recast Calculator
Got a lump sum? See your new payment after a recast and whether recasting, refinancing, or just prepaying wins.
PMI Removal Calculator
Find the exact month you can request PMI cancellation, and how extra payments or a new appraisal move it up.
How Much Car Can I Afford?
Start from your take-home pay, not the dealer's payment pitch. See the sticker price and monthly payment your budget supports.
Daycare vs Staying Home Calculator
After taxes and childcare, does a second income still pay? See the real monthly net and effective hourly wage.
Debt Payoff Optimizer
List your debts and we build a payoff plan that saves the most in interest and shows when you'll be completely debt-free.