Housing
Should I refinance right now?
Compare your current rate against today’s market, factor in closing costs, and see your real break-even timeline before making a move.
Open the refinance tool →
A question for every
01 / 10
“Should I refinance now?”
Answered with the Refinance Tool →
Live data, decision-framed tools, and the context to use them — because every good financial decision starts with the right question.
New · Now in Mortgage
Verdict · Your mortgage decision companion.
An AI-powered decision system that determines which loan fits your exact situation. Free first analysis · ~60 seconds.
Today’s Environment
Loading current market conditions from FRED, the Federal Reserve, and Freddie Mac…
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A step-by-step guide to evaluate your financial health across all seven areas — housing, debt, income, investing, insurance, emergency fund, and budget. PDF, free, no upsell.
- 7-area framework with scoring criteria
- Worksheets you can fill in offline
- Action items prioritized by impact
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Use the Platform
Five tools. One connected financial life.
Beyond calculators, FinCalcs is a platform for understanding, planning, and acting on your finances. Each tool answers a different question.
Diagnose
Financial Checkup
Get an A+ to F score across seven financial areas in 4 minutes. The fastest way to know what deserves attention first.
Take the checkup →Track
My Financial Plan
Save calculator results across all seven areas. One connected dashboard with milestones, alerts, and progress tracking.
Open your plan →Simulate
What-If Simulator
Test life decisions before living them. What if you bought a house, switched jobs, paid off debt, or moved cities?
Run a scenario →Discover
Money Personality
Spender, saver, investor, avoider? A 10-question diagnostic that surfaces your money patterns and what to do about them.
Find your type →Build a habit
Saving Challenges
52-week. 100-envelope. No-spend month. Pick a structured challenge and turn saving into a 30-day habit.
Pick a challenge →Enter the Platform
Start with a decision, not a calculator.
Every tool on FinCalcs is framed around the question you’re actually trying to answer. Here’s where people start.
Debt vs Investing
Pay off debt, or invest?
See where your next extra dollar creates the stronger outcome, given your interest rates, employer match, and cash flow.
Compare side by side →Home Affordability
How much house can I really afford?
Move past mortgage math and include rates, taxes, insurance, and what your budget can actually absorb each month.
Check affordability →Income Reality
What is my real take-home pay?
Translate gross salary into what actually hits your account after federal, state, FICA, and deductions.
Calculate true take-home →The Method
The FinCalcs decision system.
Everything on the platform connects. Understand where you stand, run the numbers, benchmark against reality, and adapt as conditions change.
01 — Diagnose
Understand your position
Take the free financial checkup. Get an A+ to F score across seven categories, and see what deserves attention first.
Take the checkup →02 — Model
Run the numbers
Use decision-framed calculators with real context. Payment math, affordability, retirement gaps — each one built to answer a real question.
Browse tools →03 — Benchmark
Compare against reality
National ranges. Live market rates. Federal Reserve data. See how your salary, savings, debt, and housing costs compare to actual ground truth.
See benchmarks →04 — Adapt
Stay current
Conditions change weekly. FC Pulse surfaces rate moves, market context, and one practical money move so your decisions keep pace.
Open Pulse →Decisions People Make Here
The questions FinCalcs is built to answer.
Not formulas. Not generic articles. Real decision questions with real-world context.
How much of my paycheck do I actually keep?
Break gross salary into federal tax, state tax, FICA, and deductions so you see exactly what lands in your account. Calculate take-home →
How much house can I really afford?
Go beyond the mortgage formula. Include property taxes, insurance, PMI, and the monthly payment your budget can safely carry. Check affordability →
Should I pay off debt faster, or invest?
Compare guaranteed debt savings against uncertain market returns so your next dollar goes where it matters most. Compare →
Am I saving enough for retirement?
Test your current path, contribution rate, and retirement age. See whether you’re ahead, on track, or behind. Test your path →
How do my numbers compare to other people?
Benchmark income, debt, savings, and housing against national data instead of guessing what’s normal. See benchmarks →
What changed this week that affects my money?
Rate moves, market context, and one practical action so your decisions stay connected to the current environment. Open Pulse →
ProGo deeper with Pro
Free vs Pro
Free forever
Free calculators
Live market rates
Financial checkup
Save & sync your results
Scenarios & what-if
Couples mode
Year-in-review PDF
$0
BEST VALUE
FinCalcs Pro
Net Worth Timeline
Tax Impact Estimator
Smart Alerts
Scenario Snapshots
Couples Mode
Year-in-Review PDF
Monthly Digest
Unlimited saves + full health score
All 27 milestones + 3 next-step cards
All 7 financial plan areas
$9/month
or $80/year — save $28 (25% off)
Start Pro →
Data sourced from
Federal Reserve
IRS
BLS
Census Bureau
Freddie Mac
SSA
KFF
Not sure where to start?
Take the free financial checkup