RetireCoast Calculator Hub

Free tools for Millennials, Gen-X, and retirees—covering home buying, budgeting, real-estate investing, vacation rental income, and retirement account strategy. Choose a calculator below to run the numbers before you make important decisions.

Updated regularly as new calculators are released.

Real Estate Calculators

Tools to help you evaluate home purchases, mortgages, affordability, and financing decisions.

Home Affordability Calculator – Estimate a comfortable purchase price
Full Mortgage Calculator – Calculate payment with taxes, insurance & HOA
Mortgage Payoff Calculator – See how extra payments reduce interest and payoff time
Mortgage Score Impact Calculator – Estimate how credit score changes may affect mortgage rates
Rent vs Buy Calculator – Compare long-term cost, equity, and net benefit
Down Payment Savings Time Calculator – See how long it may take to reach your down payment goal

Business & Income Calculators

Tools for evaluating income-producing assets, investment properties, and side-income or small business decisions.

Education ROI / Career Decision Calculator – Compare the payoff of education and training choices (NEW)
Part-Time Work Income Calculator – See how work income affects your plan
Cap Rate Calculator – Net operating income ÷ purchase price
DSCR Calculator – Debt Service Coverage Ratio for lenders and investors
Rental Property Cash Flow Calculator – Analyze rental income, expenses, and net cash flow

Vacation Rental Calculators

Tools designed specifically for short-term and vacation rental income, NOI, and ROI analysis.

Vacation Rental Income & NOI Calculator – Estimate gross income, expenses, and net operating income
Compare ROI for Three Vacation Rentals – Side-by-side ROI comparison for three properties

Home Finance & Budgeting Calculators

Tools for budgeting, moving, maintenance planning, and cash-flow decisions that affect everyday finances.

401(k) Take-Home Pay Calculator – See how contributions may change your paycheck (NEW)
Home Maintenance Budget Calculator – Estimate annual and long-term home maintenance costs
Relocation Budget Calculator – Plan moving expenses, deposits, storage, and travel costs

Retirement, Taxes & Account Strategy Calculators

Tools to model retirement income, Social Security strategy, healthcare costs, and tax-advantaged account decisions.

Roth vs Traditional vs 401(k) Calculator – Compare retirement account options and tax impact (NEW)
HSA Calculator – Estimate HSA contributions, growth, and tax advantages (NEW)
401(k) Withdrawal Calculator – Estimate taxes, penalties, and net income from withdrawals (NEW)
Retirement Income From Savings Calculator – Test long-term withdrawal sustainability
Social Security Break-Even Calculator – Compare claiming early vs waiting and find the break-even age
Social Security Claiming Age Optimizer – Explore the best age to begin receiving benefits
Tax-Free Retirement Withdrawal Calculator – Model withdrawal strategies
Roth Conversion Break-Even Calculator – Evaluate whether converting to a Roth may pay off over time
Annuity vs DIY Investment Income Comparison – Compare guaranteed income vs investing it yourself
Inflation Effect on Retirement Savings Calculator – See how inflation erodes purchasing power
Retirement Healthcare Cost Forecast Calculator – Estimate future medical and healthcare expenses
Long-Term Cost to Insure / Long-Term Care Calculator – Compare self-pay risk vs insurance over many years

These calculators are part of your journey to a better financial future.

They are designed to work alongside our in-depth articles on personal finance, real estate, retirement planning, insurance, taxes, and starting a business.

Be sure to sign up to receive notices of new articles and periodic updates when we add or improve tools in the RetireCoast Calculators Hub.