Run Your Number - Free 401(k), HSA, IRA & Portfolio Calculators

Savings Rate Calculator

Enter your actual contributions to see your savings rate, investment rate, and how your accounts will grow.

Re-run after a raise, new account, or changed allocations Available

3-Paycheck Month Calculator

Paid every two weeks? Find your three-paycheck months and the exact dates of your extra paychecks.

Plan ahead for your next extra paycheck Available

Investment Optimizer

Optimize tax-efficient retirement contributions across 401(k), HSA, IRA, and brokerage accounts with growth projections.

Re-run after a raise, job change, or new savings goal Available

Net Worth Tracker

Track assets and liabilities over time to visualize your financial progress.

Your annual financial checkup Available

Money Flow Analyzer

Define flows as text or table to visualize where your money goes each month.

Re-run when income or expenses change Available

Portfolio Rebalancer

Analyze your current asset allocation and get actionable buy/sell recommendations to hit your target portfolio mix.

Re-run quarterly or after major market moves Available

Compound Interest

See how your money grows over time with compound interest, monthly contributions, and rate variance bands.

Available

Which Tool Should I Start With?

Which months have a third paycheck? Find your 3-Paycheck Months and exact payday dates from one recent biweekly payday.
Wondering if you're saving enough? The Savings Rate Calculator shows your savings rate, flags IRS limit issues, and projects how your accounts will grow.
Just got a raise or changed jobs? The Investment Optimizer shows the tax-efficient order to fill your 401(k), HSA, IRA, and brokerage.
Tracking where your paycheck goes? The Money Flow Analyzer maps every dollar from income to expenses in a visual flow diagram.
Portfolio drifted from your target? The Portfolio Rebalancer tells you exactly what to buy and sell to get back on track.
Want to see how savings compound? The Compound Interest Calculator projects growth with rate variance bands so you see best- and worst-case outcomes.
Time for an annual financial checkup? The Net Worth Tracker turns it into a 5-minute exercise with year-over-year charts.

How It Works

Instant answers

No signup, no account linking. Enter your numbers and get results in seconds.

Your data stays yours

Calculations run in your browser, and financial inputs are saved on your device. Usage analytics help us improve the site without collecting your financial inputs.

More than a basic calculator

Multi-variable projections, year-by-year breakdowns, and interactive charts — not single-formula results.