💰 Welfare & Finance Tools
Start managing your money here
Try 86 free tools
All Tools
Federal Income Tax Calculator
Calculate your 2026 federal income tax by bracket
Paycheck Calculator
See your take-home pay after federal, state & FICA taxes
Self-Employment Tax Calculator
Calculate SE tax, quarterly estimates & total tax liability
401(k) Retirement Calculator
Project your 401(k) growth with employer match & compound returns
Mortgage Calculator
Calculate monthly mortgage payment with taxes, insurance & PMI
Benefits Eligibility Checker
Screen eligibility for SNAP, Medicaid, EITC, Section 8 & more
Student Loan Repayment Calculator
Compare repayment plans: Standard, SAVE, PAYE, IBR & forgiveness
Credit Score Simulator
Simulate credit score changes & get personalized improvement tips
Capital Gains Tax Calculator
Calculate federal & state capital gains tax on stocks, real estate & crypto
W-4 Withholding Calculator
Optimize your W-4 form to get closer to $0 refund or owed
Compound Interest Calculator
See how your money grows with compound interest over time
Debt Payoff Calculator
Plan your debt-free date with avalanche or snowball method
Rent vs Buy Calculator
Compare the true cost of renting vs buying a home
Home Affordability Calculator
Find out how much house you can afford based on the 28/36 rule
Auto Loan Calculator
Calculate monthly car payment, total interest & compare loan terms
Investment Return Calculator
Project your investment growth with dividends, taxes & inflation
Roth Conversion Calculator
Calculate the tax cost and retirement benefit of a Roth conversion
Closing Cost Calculator
Estimate buyer or seller closing costs with state-specific breakdowns
Refinance Calculator
See monthly savings, break-even point & lifetime interest savings
Social Security Estimator
Estimate your benefit at 62, FRA & 70 with break-even analysis
ACA Subsidy Calculator
Estimate your health insurance premium tax credit on the marketplace
Business Entity Comparator
Compare LLC, S-Corp & C-Corp tax liability for your income
Salary Comparison Calculator
Compare purchasing power between US cities with COL adjustments
Emergency Fund Calculator
Calculate how much emergency savings you need based on your risk profile
Net Worth Calculator
Calculate your net worth and compare to age-based benchmarks
CD & Savings Calculator
Calculate CD interest, compare savings products & build a CD ladder
SNAP Benefits Calculator
Check SNAP eligibility and estimate your monthly food assistance benefit
Freelancer Rate Calculator
Find the minimum hourly rate to cover taxes, benefits & hit your income goal
Overtime Pay Calculator
Calculate overtime pay with federal FLSA rules and state-specific OT laws
Estate & Gift Tax Calculator
Estimate federal & state estate tax and track your lifetime gift exemption
Tax Bracket Comparator
Compare federal tax brackets across years and see how your tax changes
Budget Planner (50/30/20)
Analyze your monthly budget with the 50/30/20 rule and find spending gaps
Child Tax Credit Calculator
Calculate CTC, refundable ACTC & Other Dependent Credit by income
Earned Income Tax Credit Calculator
Estimate your EITC based on income, filing status & qualifying children
Crypto Tax Calculator
Calculate crypto capital gains, staking income, NIIT & loss carryover
Sales Tax Calculator
Look up combined state + local sales tax rates and exemptions
HSA Calculator
Calculate triple tax savings and long-term HSA investment growth
RMD Calculator
Calculate Required Minimum Distributions with SECURE Act 2.0 rules
Personal Loan Calculator
Calculate monthly payments, true APR with fees & compare loan terms
Student Loan Refinance Calculator
Compare refinance savings vs federal benefits you'd lose
HELOC Calculator
Estimate HELOC borrowing power, draw/repayment payments & compare to cash-out refi
Life Insurance Calculator
Calculate coverage needs with the DIME method & estimate term life premiums
529 Plan Calculator
Project 529 college savings growth with state tax deductions & cost coverage
Inflation Calculator
Calculate purchasing power changes using real CPI-U data from 1990 to 2026
Savings Goal Calculator
Calculate monthly savings needed and time to reach any financial goal
Credit Card Payoff Calculator
Compare minimum, fixed & extra payment strategies to see interest saved
Debt-to-Income Ratio Calculator
Calculate your DTI and check eligibility for Conventional, FHA, VA & USDA loans
AMT Calculator
Calculate Alternative Minimum Tax with 2026 exemptions and phase-outs
Retirement Income Calculator
Estimate total retirement income and check if your savings will last
Down Payment Calculator
Calculate down payment target, closing costs & savings timeline with PMI comparison
Rental Property ROI Calculator
Calculate cap rate, cash-on-cash return, monthly cash flow & 20-year projections
Property Tax Calculator
Estimate annual property taxes by state with homestead exemption comparison
1031 Exchange Calculator
Calculate deferred capital gains taxes, boot & timeline for like-kind exchanges
Mortgage Payoff Calculator
See how extra payments shorten your mortgage and save thousands in interest
Rental Income Calculator
Calculate NOI, monthly cash flow, annual net profit & break-even occupancy
Unemployment Benefits Calculator
Estimate weekly unemployment benefits, max duration & total payout by state
Medicaid Eligibility Checker
Check Medicaid, CHIP & Marketplace eligibility based on income and household
Child Care Cost Calculator
Compare daycare, nanny & family care costs with CDCTC and FSA tax savings
WIC Eligibility Checker
Check WIC eligibility based on income and see estimated monthly food benefits
Disability Benefits Calculator
Estimate SSDI monthly benefit and check SSI eligibility based on work history
Business Loan Calculator
Calculate payments and compare SBA 7(a) vs conventional business loans
Break-Even Calculator
Find your break-even point in units and revenue with contribution margin analysis
Profit Margin Calculator
Calculate gross, operating & net margins and compare against industry benchmarks
Startup Cost Calculator
Estimate startup costs by industry including legal, equipment, insurance & reserves
Payroll Tax Calculator
Calculate employer payroll taxes: FICA, FUTA, SUTA & true employee cost
Cost of Living Calculator
Compare cost of living between US cities and find equivalent salary
Job Offer Comparator
Compare two job offers side-by-side: salary, bonus, 401k, insurance, PTO & equity
Hourly to Salary Converter
Convert hourly to salary and back, with overtime and after-tax take-home pay
Tip Income Calculator
Calculate total income from wages and tips with tax obligations and estimated payments
Relocation Cost Calculator
Estimate total moving costs by method and distance with relocation package checklist
Child Support Calculator
Estimate monthly child support based on state guidelines, income & custody
Alimony Calculator
Estimate monthly spousal support and duration based on state guidelines
Personal Injury Calculator
Estimate personal injury settlement range using multiplier method with fault reduction
Small Claims Court Guide
Check state limits, filing fees, process timeline & required document checklist
Auto Insurance Cost Estimator
Estimate car insurance premiums by driver profile, state, coverage level & discounts
Homeowners Insurance Calculator
Estimate annual homeowners insurance premium by home value, location & coverage
Renters Insurance Calculator
Estimate monthly renters insurance cost based on belongings value & location
Quarterly Estimated Tax Calculator
Calculate quarterly estimated tax payments for freelancers & self-employed
State Income Tax Calculator
Calculate state income tax for all 50 states + DC with bracket breakdown
Bonus Tax Calculator
See how much tax is withheld from your bonus — flat 22% vs aggregate method
IRS Payment Plan Calculator
Estimate IRS installment agreement costs, penalties, interest & plan comparison
Car Lease vs Buy Calculator
Compare total cost of leasing vs buying a car over 3-7 years
Social Security Break-Even Calculator
Compare claiming at 62, 67, or 70 — find your break-even age
Student Loan Forgiveness Estimator
Estimate forgiveness amount & timeline for PSLF, SAVE, IDR & Teacher programs
FAFSA/SAI College Aid Calculator
Estimate your Student Aid Index (SAI) and expected financial aid package
Divorce Financial Calculator
Estimate asset division, alimony, child support & financial impact of divorce
💰Welfare(9)
Benefits Eligibility Checker
Screen eligibility for SNAP, Medicaid, EITC, Section 8 & more
Social Security Estimator
Estimate your benefit at 62, FRA & 70 with break-even analysis
ACA Subsidy Calculator
Estimate your health insurance premium tax credit on the marketplace
SNAP Benefits Calculator
Check SNAP eligibility and estimate your monthly food assistance benefit
Unemployment Benefits Calculator
Estimate weekly unemployment benefits, max duration & total payout by state
Medicaid Eligibility Checker
Check Medicaid, CHIP & Marketplace eligibility based on income and household
Child Care Cost Calculator
Compare daycare, nanny & family care costs with CDCTC and FSA tax savings
WIC Eligibility Checker
Check WIC eligibility based on income and see estimated monthly food benefits
Disability Benefits Calculator
Estimate SSDI monthly benefit and check SSI eligibility based on work history
🏦Finance(30)
401(k) Retirement Calculator
Project your 401(k) growth with employer match & compound returns
Mortgage Calculator
Calculate monthly mortgage payment with taxes, insurance & PMI
Student Loan Repayment Calculator
Compare repayment plans: Standard, SAVE, PAYE, IBR & forgiveness
Credit Score Simulator
Simulate credit score changes & get personalized improvement tips
Compound Interest Calculator
See how your money grows with compound interest over time
Debt Payoff Calculator
Plan your debt-free date with avalanche or snowball method
Auto Loan Calculator
Calculate monthly car payment, total interest & compare loan terms
Investment Return Calculator
Project your investment growth with dividends, taxes & inflation
Emergency Fund Calculator
Calculate how much emergency savings you need based on your risk profile
Net Worth Calculator
Calculate your net worth and compare to age-based benchmarks
CD & Savings Calculator
Calculate CD interest, compare savings products & build a CD ladder
Budget Planner (50/30/20)
Analyze your monthly budget with the 50/30/20 rule and find spending gaps
HSA Calculator
Calculate triple tax savings and long-term HSA investment growth
RMD Calculator
Calculate Required Minimum Distributions with SECURE Act 2.0 rules
Personal Loan Calculator
Calculate monthly payments, true APR with fees & compare loan terms
Student Loan Refinance Calculator
Compare refinance savings vs federal benefits you'd lose
Life Insurance Calculator
Calculate coverage needs with the DIME method & estimate term life premiums
529 Plan Calculator
Project 529 college savings growth with state tax deductions & cost coverage
Inflation Calculator
Calculate purchasing power changes using real CPI-U data from 1990 to 2026
Savings Goal Calculator
Calculate monthly savings needed and time to reach any financial goal
Credit Card Payoff Calculator
Compare minimum, fixed & extra payment strategies to see interest saved
Debt-to-Income Ratio Calculator
Calculate your DTI and check eligibility for Conventional, FHA, VA & USDA loans
Retirement Income Calculator
Estimate total retirement income and check if your savings will last
Auto Insurance Cost Estimator
Estimate car insurance premiums by driver profile, state, coverage level & discounts
Homeowners Insurance Calculator
Estimate annual homeowners insurance premium by home value, location & coverage
Renters Insurance Calculator
Estimate monthly renters insurance cost based on belongings value & location
Car Lease vs Buy Calculator
Compare total cost of leasing vs buying a car over 3-7 years
Social Security Break-Even Calculator
Compare claiming at 62, 67, or 70 — find your break-even age
Student Loan Forgiveness Estimator
Estimate forgiveness amount & timeline for PSLF, SAVE, IDR & Teacher programs
FAFSA/SAI College Aid Calculator
Estimate your Student Aid Index (SAI) and expected financial aid package
📋Tax(17)
Federal Income Tax Calculator
Calculate your 2026 federal income tax by bracket
Paycheck Calculator
See your take-home pay after federal, state & FICA taxes
Self-Employment Tax Calculator
Calculate SE tax, quarterly estimates & total tax liability
Capital Gains Tax Calculator
Calculate federal & state capital gains tax on stocks, real estate & crypto
W-4 Withholding Calculator
Optimize your W-4 form to get closer to $0 refund or owed
Roth Conversion Calculator
Calculate the tax cost and retirement benefit of a Roth conversion
Estate & Gift Tax Calculator
Estimate federal & state estate tax and track your lifetime gift exemption
Tax Bracket Comparator
Compare federal tax brackets across years and see how your tax changes
Child Tax Credit Calculator
Calculate CTC, refundable ACTC & Other Dependent Credit by income
Earned Income Tax Credit Calculator
Estimate your EITC based on income, filing status & qualifying children
Crypto Tax Calculator
Calculate crypto capital gains, staking income, NIIT & loss carryover
Sales Tax Calculator
Look up combined state + local sales tax rates and exemptions
AMT Calculator
Calculate Alternative Minimum Tax with 2026 exemptions and phase-outs
Quarterly Estimated Tax Calculator
Calculate quarterly estimated tax payments for freelancers & self-employed
State Income Tax Calculator
Calculate state income tax for all 50 states + DC with bracket breakdown
Bonus Tax Calculator
See how much tax is withheld from your bonus — flat 22% vs aggregate method
IRS Payment Plan Calculator
Estimate IRS installment agreement costs, penalties, interest & plan comparison
💼Career(7)
Salary Comparison Calculator
Compare purchasing power between US cities with COL adjustments
Overtime Pay Calculator
Calculate overtime pay with federal FLSA rules and state-specific OT laws
Cost of Living Calculator
Compare cost of living between US cities and find equivalent salary
Job Offer Comparator
Compare two job offers side-by-side: salary, bonus, 401k, insurance, PTO & equity
Hourly to Salary Converter
Convert hourly to salary and back, with overtime and after-tax take-home pay
Tip Income Calculator
Calculate total income from wages and tips with tax obligations and estimated payments
Relocation Cost Calculator
Estimate total moving costs by method and distance with relocation package checklist
⚖️Legal(5)
Child Support Calculator
Estimate monthly child support based on state guidelines, income & custody
Alimony Calculator
Estimate monthly spousal support and duration based on state guidelines
Personal Injury Calculator
Estimate personal injury settlement range using multiplier method with fault reduction
Small Claims Court Guide
Check state limits, filing fees, process timeline & required document checklist
Divorce Financial Calculator
Estimate asset division, alimony, child support & financial impact of divorce
🚀Business(7)
Business Entity Comparator
Compare LLC, S-Corp & C-Corp tax liability for your income
Freelancer Rate Calculator
Find the minimum hourly rate to cover taxes, benefits & hit your income goal
Business Loan Calculator
Calculate payments and compare SBA 7(a) vs conventional business loans
Break-Even Calculator
Find your break-even point in units and revenue with contribution margin analysis
Profit Margin Calculator
Calculate gross, operating & net margins and compare against industry benchmarks
Startup Cost Calculator
Estimate startup costs by industry including legal, equipment, insurance & reserves
Payroll Tax Calculator
Calculate employer payroll taxes: FICA, FUTA, SUTA & true employee cost
🏠Real Estate(11)
Rent vs Buy Calculator
Compare the true cost of renting vs buying a home
Home Affordability Calculator
Find out how much house you can afford based on the 28/36 rule
Closing Cost Calculator
Estimate buyer or seller closing costs with state-specific breakdowns
Refinance Calculator
See monthly savings, break-even point & lifetime interest savings
HELOC Calculator
Estimate HELOC borrowing power, draw/repayment payments & compare to cash-out refi
Down Payment Calculator
Calculate down payment target, closing costs & savings timeline with PMI comparison
Rental Property ROI Calculator
Calculate cap rate, cash-on-cash return, monthly cash flow & 20-year projections
Property Tax Calculator
Estimate annual property taxes by state with homestead exemption comparison
1031 Exchange Calculator
Calculate deferred capital gains taxes, boot & timeline for like-kind exchanges
Mortgage Payoff Calculator
See how extra payments shorten your mortgage and save thousands in interest
Rental Income Calculator
Calculate NOI, monthly cash flow, annual net profit & break-even occupancy
About InfoTalker Finance Tools
InfoTalker provides free tools for welfare, finance, and tax calculations. Anyone can use them immediately without registration.
Welfare Policy Finder
Enter your age, income, region and other conditions to find welfare policies available to you. Search for policies that match various conditions such as youth, newlyweds, and low-income families.
Finance Calculators (Coming Soon)
Loan interest calculator, savings interest calculator, and amortization calculator will be added soon.
Tax Calculators (Coming Soon)
Net salary calculator, year-end tax refund estimator, and income tax calculator are also in preparation.