Precise Financial Modeling
for Daily Wealth.
Our tax and lending calculators run on the exact formulas โ precise amortization, marginal tax brackets, compound interest โ sourced from the IRS, Federal Reserve, and state tax authorities. Compare mortgage payments, track net worth, calculate take-home pay, and project investment growth with professional-grade financial calculators.
Popular Calculators
Core Quantitative Suite
High-Fidelity Financial Utilities
Primary-Source Data,
Plain-English Results
QuantCurb's calculators are built on the same primary-source data โ IRS tax tables, Federal Reserve rates, and exact amortization formulas โ that professional financial tools rely on, wrapped in the simplicity retail apps like Robinhood and Wise are known for.
How the Math Works
Standard Formulas,
Used Across the Suite
Every tool in the QuantCurb suite is built on the standard formulas taught in corporate finance coursework โ reducing-balance amortization, marginal tax-bracket math, or compound interest, depending on what it calculates. The formulas for loans and future value are written out on our Methodology page.
Reducing Balance Logic
Standard for mortgage and term loan amortization globally.
Real Rate of Return
Wealth projections adjusted for historic CPI and inflation trends.
Tax Shield Analysis
401(k) and IRA deduction modeling for net pay.
Sensitivity Matrices
Multi-stage DCF modeling with WACC and growth rate variance.
How We Source Our Math
Explore Calculator Categories
Free Financial Calculators for Every Money Decision
QuantCurb provides over 40 free financial calculators to help you make smarter money decisions. Whether you're calculating your take-home pay, planning for retirement, figuring out how much house you can afford, or comparing loan offers, our tools give you accurate, personalized results in seconds.
Salary & Tax Calculators
Our salary calculator shows your exact take-home pay after federal tax, state tax, FICA, and 401(k) deductions for all 50 US states. See your paycheck breakdown for weekly, biweekly, semi-monthly, or monthly pay periods. Freelancers can use our 1099 tax calculator to estimate self-employment tax, quarterly estimated payments, and compare contractor income to W-2 salary equivalents.
Mortgage & Home Buying Tools
The mortgage payment calculator gives you a complete PITI breakdown: principal, interest, property taxes, and homeowners insurance. See when PMI drops off based on your loan-to-value ratio, compare 15-year vs 30-year mortgages, and calculate how biweekly payments save you thousands in interest. Our debt-to-income calculator tells you if you'll qualify for a mortgage based on lender DTI requirements.
Retirement & FIRE Planning
Calculate your FIRE number (Financial Independence, Retire Early) using the 4% rule, 3% rule, or custom withdrawal rates. Compare Lean FIRE, Fat FIRE, Coast FIRE, and Barista FIRE scenarios. Our 401(k) and IRA calculator helps you optimize contributions, compare Roth vs Traditional accounts, and project your retirement balance with employer matching and compound growth.
Investment & Wealth Building
See how your investments grow over time with our compound interest calculator. Model monthly SIP contributions, lump sum investments, and dividend reinvestment (DRIP) scenarios. For advanced investors, the DCF calculator lets you value stocks using discounted cash flow analysis with WACC, and the options strategy visualizer helps you build multi-leg strategies with real-time Greeks.
Debt Payoff Strategies
Find the fastest way to become debt-free with our credit card payoff calculator. Compare the avalanche method (highest interest first) vs the snowball method (smallest balance first) and see exactly how much interest you'll save. Our loan comparison tool lets you evaluate refinancing offers side by side with break-even analysis.
Frequently Asked Questions
Are these financial calculators really free?โผ
How accurate are the tax calculations?โผ
What is the 4% rule for retirement?โผ
How much emergency fund should I have?โผ
How do I calculate my debt-to-income ratio?โผ
Popular Financial Tools