HenryCalc
Free finance calculators for high earners
Equity comp and early-retirement math, done in seconds. No login, no signup, nothing stored - everything runs in your browser.
Available now
Popular
RSU tax calculator
Estimate federal, state and FICA tax withheld when your RSUs vest. Free, no signup.
Popular AMT / ISO calculator
Estimate alternative minimum tax before you exercise your incentive stock options.
Popular Mega backdoor Roth calculator
See how much after-tax 401(k) room you can convert to Roth this year.
Free tool FIRE calculator
Calculate your FIRE number and the age you can reach financial independence.
Popular ESPP calculator
Calculate your employee stock purchase plan discount, shares and tax split by disposition type.
Popular NSO tax calculator
Estimate ordinary income, withholding and FICA when you exercise non-qualified stock options.
Popular ISO exercise tax calculator
Estimate the all-in cash to exercise ISOs: exercise cost plus the AMT from the bargain element.
Popular Backdoor Roth calculator
See the tax cost of a backdoor Roth under the IRS pro-rata rule, based on your pre-tax IRA balance.
Popular Stock option tax calculator
Estimate tax at exercise for ISOs (AMT) and NSOs (ordinary income + FICA) in one tool.
Free tool RSU vesting calculator
Project the value and timing of your RSU vesting schedule over the remaining years.
High value Capital gains tax calculator
Estimate short- and long-term federal capital gains tax plus the 3.8% NIIT on your gain.
Popular Roth conversion calculator
Estimate the marginal federal tax cost of converting traditional retirement money to Roth.
Coming soon
Phase 1
83(b) Election Calculator
Planned
Phase 2
Coast FIRE Calculator
Planned
Phase 2
Barista FIRE Calculator
Planned
Phase 2
Tax Loss Harvesting Calculator
Planned
Phase 2
Bonus Tax Calculator
Planned
Phase 2
Effective Tax Rate Calculator
Planned
Phase 2
Safe Withdrawal Rate Calculator
Planned
Phase 2
Net Worth Percentile Calculator
Planned
Phase 2
Savings Rate Calculator
Planned
Phase 2
Quarterly Estimated Tax Calculator
Planned
Phase 3
Mortgage Payoff vs Invest Calculator
Planned
Phase 3
Refinance Break-Even Calculator
Planned
Phase 3
Rent vs Buy Calculator
Planned
Phase 3
Mortgage Recast Calculator
Planned
Phase 3
HELOC Payoff Calculator
Planned
Phase 3
Compound Interest Calculator with Contributions
Planned
Phase 3
Dividend Reinvestment Calculator
Planned
Phase 3
CAGR Calculator
Planned
Phase 3
Dollar Cost Averaging Calculator
Planned
Phase 3
Student Loan Refinance Calculator
Planned
Phase 3
Debt Avalanche Calculator
Planned
Phase 3
1099 Tax Calculator
Planned
Phase 3
Portfolio Rebalancing Calculator
Planned
Phase 3
Asset Allocation Calculator
Planned
Why these calculators
Most personal-finance tools are built for budgeting or for retirees in their 60s. The hard math for high earners - what RSUs actually cost in tax, when incentive stock options trigger AMT, how much after-tax 401(k) room is left for a mega backdoor Roth, and what year financial independence is realistic - is scattered or locked behind paid advisors. These tools answer those questions directly, for free.