Toolkit
Taxes, housing, cost of living, moving, retirement, and everyday math.
US + state take-home with 2026 federal, FICA, and Tax Foundation brackets.
Same gross as 1099 vs W-2: SE tax, optional QBI, state brackets.
Extra dollars per paycheck × periods — not an AGI refund model.
State rate plus optional local (Tax Foundation 2026 averages).
Home value × statewide effective rate, with a custom override.
Enter a rate; VA Fairfax/Loudoun/PW defaults included.
Principal and interest on an amortizing loan.
Monthly rent versus the monthly cost of owning.
Months to recoup closing costs from a lower payment.
PITI versus 28/36 rules and estimated take-home.
How much rent fits a take-home or gross income.
Area from length and width, times rooms.
Gallons from wall area and coverage.
Cubic yards and bag counts from dimensions.
Square footage plus waste for boxes.
Side-by-side metros: equivalent salary, rent, home value, take-home.
Compare metros, counties, and places (BEA RPP / ACS).
NAIC 2023 state average expenditure — not a personal quote.
USDA Food Plans with optional metro goods RPP.
Nest egg needed vs projected savings.
OBBBA 2025 / IRC §70204 seed, cap, and growth estimate.
Projected savings vs College Board published averages.
This year’s take-home: traditional vs Roth deferral.
SSA early reduction and delayed credits on a benefit you enter.
Future value with optional monthly contributions.
Find a percent of a number.
Percent increase or decrease between two numbers.
Sale price after a percent off.
Tip a bill and split it evenly.
Length, weight, temperature, and area.
ECB euro reference rates via Frankfurter.
Body mass index from height and weight (CDC categories).
BMR and daily energy (Mifflin-St Jeor).
Simple calorie and macro estimates.
A simple 0.5 oz per pound rule of thumb.
Count back from a wake time.
Years and days since a birth date.
Inclusive calendar span between two dates.
Duration between two clock times.
Naegele’s rule (LMP + 280 days).
Weighted 4.0-scale GPA by credits.
What you need on the final to hit a target.
Convert using 2,080 hours per year.
Monthly payment and total interest.
Loan plus insurance, fuel, and maintenance.
Months to pay off a balance at a given payment.
Payoff timeline and interest on a revolving balance.
Simple needs arithmetic — not a quote.
What a past-year amount is worth now (BLS CPI-U).
Shared data across tools: IRS (Internal Revenue Service); Tax Foundation; BEA (U.S. Bureau of Economic Analysis) RPP 2024; Census ACS (American Community Survey); NAIC (National Association of Insurance Commissioners); USDA (U.S. Department of Agriculture) Food Plans; BLS (Bureau of Labor Statistics) CPI-U; SSA (Social Security Administration).
