---
title: Free Financial Calculators — RSUs, taxes, compounding, FIRE | Allocate AI
description: Free calculators for people whose pay comes in pieces: time value of money, compound interest, RSU tax, after-tax income, mega backdoor Roth, debt payoff, rent vs. buy, FIRE withdrawal and more. No sign-up.
canonical: https://allocateai.io/calculators
site: Allocate AI — https://allocateai.io
---

# Free financial calculators.

Built for pay that comes in pieces — salary, bonus, RSUs. Every formula is written on the page, and the numbers are tested against textbook values. No sign-up.

## Pay and taxes

- [**After-Tax Income Calculator**](https://allocateai.io/calculators/after-tax-income) — Your real take-home after federal, state, and FICA taxes. Handles bonuses and signing bonuses correctly.
- [**RSU Tax Calculator**](https://allocateai.io/calculators/rsu-tax) — Federal and state taxes on RSU vests. Compare grants across Google, Amazon, Meta, and more.
- [**Comp Comparison**](https://allocateai.io/calculators/comp-comparison) — Compare up to 4 offers side by side with RSU vesting schedules and 4-year projections.
- [**Sales Comp Calculator**](https://allocateai.io/calculators/sales-comp) — Actual monthly cash flow with commissions, accelerators, and real tax withholding.

## Retirement

- [**Mega Backdoor Roth Calculator**](https://allocateai.io/calculators/mega-backdoor-roth) — Your maximum after-tax 401(k) contribution under the 2026 IRS limits.
- [**Mega Backdoor vs. Traditional 401(k)**](https://allocateai.io/calculators/mega-backdoor-growth) — After-tax retirement value of mega backdoor Roth vs. traditional or Roth 401(k) over time.
- [**FatFIRE Withdrawal Calculator**](https://allocateai.io/calculators/fire-withdrawal) — Tax-aware retirement drawdown with inflation-adjusted spending and portfolio survival.

## Growth and time

- [**Compound Interest Calculator**](https://allocateai.io/calculators/compound-interest) — Project investment growth with multi-scenario modeling, contribution changes, and lump-sum additions.
- [**Time Value of Money Calculator**](https://allocateai.io/calculators/time-value) — See how inflation, investing, and timing affect your money over a lifetime — present value, future value and the cost of waiting.

## Everyday money

- [**50/30/20 Budget Calculator**](https://allocateai.io/calculators/budget-50-30-20) — Split your income into needs, wants, and savings with customizable categories.
- [**Debt Payoff Calculator**](https://allocateai.io/calculators/debt-payoff) — Avalanche vs. snowball, and your debt-free date.
- [**Rent vs. Buy Calculator**](https://allocateai.io/calculators/rent-vs-buy) — The true cost of buying a home vs. renting and investing the difference.

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Allocate AI is a budgeting and financial-planning app: link your accounts, say what you want in plain words, and it writes the plan and stages every change for your approval. Read more at https://allocateai.io or see all pages in https://allocateai.io/llms.txt.