Personal finance calculators

These calculators handle the major personal-money decisions that involve more variables than most people account for. The take-home pay calculators for the US, UK, and Pakistan model each country's tax system — federal and state income tax plus FICA for the US, Income Tax and National Insurance for the UK, and FBR slabs for Pakistan — showing net pay per paycheck after pre-tax deductions rather than a rough salary estimate. The rent vs buy crossover calculator finds the break-even year at which buying becomes cheaper than renting given local price-to-rent ratios, mortgage terms, and expected appreciation.

The emergency fund calculator works backward from monthly essential expenses to a coverage target, accounting for existing cash savings. The retirement withdrawal calculator models drawdown from a portfolio using configurable spending rates and return assumptions. The pension vs lump sum comparator and HELOC vs cash-out refinance tool handle the two decisions most households face at major financial transitions. All calculations run locally with no financial data sent to a server.