Financial numbers,
measured to the
right decimal.
24 calculators built on 2026 federal brackets, FHFA loan limits and state-level effective rates. No account, no lead form, no lender in the background — every calculation runs in your browser.
- Works offline-first
- Nothing stored
- Free forever
Total monthly payment
$0
$420,000 home · 20% down · 6.75% · Texas
- Principal & interest
- $2,17970%
- Property tax
- $56018%
- Homeowners insurance
- $38512%
- Escrow + principal
- $3,124
Fig. 1 — Mortgage, Texas, 30-year fixed
24
Calculators
50
States modelled
0
Accounts required
2026
Tax year
24 tools,
one standard.
Real estate, payroll, tax, business valuation, developer utilities and health. Each one carries its own sourced assumptions.
Browse the full directory- 01Loan CalculatorCompare two offers, three fee treatments, accelerated cadence and extra-principal payoff.Real Estate
- 02Auto Loan CalculatorPayment, true cost, equity crossover and the OBBBA interest deduction, by state.Real Estate
- 03Car Insurance EstimatorFour coverage tiers, deductible and discount comparisons, liability gaps, loan or lease exposure and state rating rules.Insurance
- 04Home Insurance CalculatorState premium anchors, Coverage A–F, custom rebuild cost, credit and home-age factors, wind deductibles, flood caps and theft sublimits.Insurance
- 05Mortgage CalculatorTrue PITI payments with state-specific taxes, PMI removal logic and rate stress tests.Real Estate
- 06HELOC CalculatorCredit limit vs amount drawn, draw and repayment rates, +2-point stress test, and HELOC vs fixed second vs cash-out refinance.Real Estate
- 07Rent vs Buy CalculatorMonth-by-month net-worth projection with persistent break-even, PMI auto-cancel, 2026 deduction and SALT modelling, the home-sale exclusion, and a today's-money toggle.Real Estate
- 08Refinance CalculatorFour refinance types, honest break-even, present-value and recast comparisons, points, PMI removal, tax treatment and the new loan — with its amortisation schedule and payoff date.Real Estate
- 09Paycheck CalculatorAverage paycheck and annualized take-home with Publication 15-T W-4 withholding, FICA, editable state/local rates and payroll deductions.Tax & Payroll
- 101099 vs W-2 CalculatorTrue take-home comparison after SE tax, QBI deduction and business expenses.Tax & Payroll
- 11401(k) Calculator2026-limit-aware projection with match capture, vesting, fees, Roth comparison, RMDs and Social Security.Tax & Payroll
- 12Student Loan CalculatorCurrent 2026 eligibility, spouse-debt proration, subsidy history, PSLF, exact schedules and honest PAYE sunset treatment.Tax & Payroll
- 13Debt Payoff CalculatorSnowball vs avalanche, true minimum-only baseline, windfalls, payoff-goal payments, exact dates and monthly/debt-level exports.Tax & Payroll
- 14Capital Gains CalculatorIncremental 2026 tax with exact Schedule D special-rate allocation, basis, exclusions and carryforwards.Tax & Payroll
- 15Cost of Living CalculatorOfficial metro price levels, equivalent salary, four custom budget categories and transparent tax assumptions.Real Estate
- 16SaaS Valuation CalculatorDated SCI assumption, transparent ARR multiple, Rule of 40, burn multiple, sensitivity and optional fundraising dilution.Business
- 17EBITDA CalculatorUnadjusted EBITDA, Adjusted EBITDA and SDE with explicit multiples and a debt/cash equity bridge.Business
- 18Freelance Rate CalculatorExplicit tax and deductible-cost treatment, billable utilization, markup or margin, and project pricing.Business
- 19Burn Rate CalculatorStatic and dynamic runway, target cash, expense-cut solver, scenarios and same-period burn multiple.Business
- 20LTV:CAC CalculatorSubscription, known-lifetime and repeat-purchase models with discounting, sensitivity and target acquisition planning.Business
- 21Life Insurance CalculatorPresent-value coverage need, SSA-year survivor offset, liquid assets, term ladder and illustrative premium benchmarks.Insurance
- 22LLM Token Cost CalculatorMonthly and per-task API cost, local token counting, custom rates and source-linked model comparisons.Developer
- 23Image CompressorLocal JPG, PNG, WebP, AVIF and still-GIF compression with decimal-KB targets and ZIP export.Developer
- 24Macro CalculatorThree resting-energy equations, feasible macro splits and exact rounded targets for 2–6 meals.Health
The math is the product
A calculator that is 5% wrong is worse than no calculator. Every model in Swiftly is checked against a second implementation and documented line by line.
Your inputs stay yours
Nothing is transmitted, stored or profiled. There is no account because there is nothing to keep. Close the tab and the session is gone.
Local, not national
A Texas property tax bill is not a California one. Mortgage, payroll and cost-of-living models read state-level effective rates rather than a national average.
The record
“The PITI breakdown with Texas property tax and insurance came within forty dollars of my lender’s closing disclosure.”
- Close to closing disclosure
- ±$40
- Average session
- 1m 48s
- Inputs stored
- 0
- Third-party pixels
- None
Yes. All 24 calculators are free forever with no sign-up, no email gate and no usage limits. We keep the lights on with unobtrusive display advertising and never sell user data — because we never collect it.
No. Every calculation runs client-side in your browser. Your salary, balances and property values never leave your device, and there is no account to tie them to.
Each model is built on published 2026 federal brackets, FHFA conforming limits, FICA rules and state-level effective rates. Our mortgage engine reproduces lender closing disclosures within a few dollars on standard 30-year fixed loans.
Mortgage, HELOC and refinance rates track Federal Reserve FRED series. Tax brackets, standard deductions and contribution limits come from IRS and SSA publications for the 2026 tax year. Every source is documented on the methodology page.
Yes. Every tool generates a print-ready PDF report with the full input and output breakdown, and results can be shared as a link or embedded in another page.
The entire platform is built mobile-first. Sliders are touch-sized, results collapse into a compact summary card, and the PDF export works from any device.
Begin
Pick the question you are actually trying to answer.
Private by architecture
No database of your finances exists to breach.
Sourced, not invented
Every rate and bracket carries a public citation.
No upsell, ever
Nothing to buy, nothing to unlock, no lead form.