CalcFi

About CalcFi

CalcFi is a free personal finance analysis tool that helps people run common money calculations and see how those decisions affect each other. It focuses on connected financial planning rather than isolated calculators, so a change in one area can be checked against others such as mortgage payments, paycheck take-home, debt payoff, and retirement timing.

The site is built around live, cited U.S. public data from sources including the IRS, Federal Reserve, Treasury, BLS, and related agencies. It also offers a State Index with rankings across money-related dimensions such as salary, tax burden, cost of living, mortgage rates, rent, and affordability. The homepage emphasizes that calculations run in the user’s browser and that saved values stay on the device, with no signup required.

CalcFi is useful for people in time-sensitive or life-specific situations, including home buyers, tax filers, debt payers, retirement planners, gig and 1099 workers, new parents, small businesses or LLCs, ITIN filers, and people who were just laid off. It also includes guides, articles, and hubs for topics like paycheck, mortgage and real estate, debt and credit, investing and wealth, and retirement.

There is an optional AI analysis layer, but the core value is the math shown clearly with primary-source provenance. The product is positioned as educational only, not personalized financial advice.

Key features:
- Cross-checks mortgage, paycheck, debt, and retirement calculations against each other
- Uses live federal data and cites sources such as IRS, Fed, Treasury, and BLS
- Runs calculations in the browser and does not require signup
- Saves numbers in a private browser-based ledger that updates when federal data changes
- Provides a State Index with ranked money-related metrics across all 50 states
- Offers situation-based browsing for common financial life events and needs
- Includes calculators, guides, articles, and financial hubs for browsing by topic