What is CalcFi?

CalcFi is a free financial calculator platform that turns your real numbers into a Reality Score (0–100) — anchored to guidelines from HUD, CFPB, and the Federal Reserve. With over 347 calculators spanning mortgage, tax, retirement, salary, debt, investing, and more, every tool runs directly in your browser with no signup required. Results are powered by live federal data from the BLS, BEA, Census, FRED, IRS, Treasury, and SSA, with inline citations so you can verify every formula.

Who it's for

• Home buyers — See if your budget actually works by comparing mortgage rates, rent burdens, and affordability rankings across all 50 states.
• Retirement planners — Get a sustainability check on your savings using real federal benchmarks, not generic advice.
• Gig workers and 1099 filers — Navigate tax withholding, quarterly estimates, and deduction calculators tailored to self-employment income.

Key features

Reality Score and Reality Check

Enter your income, expenses, and savings to receive a 0–100 score that shows whether your finances are on track. A score of 70+ means sustainable; below 50 signals tight margins. The optional AI analysis adds context without requiring an account.

State Index with live rankings

All 50 states are ranked across six dimensions — salary, tax burden, cost of living, mortgage rate, rent, and affordability — using primary-source data from the BLS, BEA, Census, Freddie Mac, HUD, and the Tax Foundation. Click any tile to open live, sortable rankings.

Browser-based privacy

Every calculation runs locally in your browser. Inputs are never sent to servers, and optional "save for next year" snapshots are stored only on your device. No signup, no paywall, no email wall.

Free PDF export

Every calculator offers a free PDF with your results, charts, and next steps — delivered to your inbox in under a minute. No hidden upsells.

What stands out

"Not a quiz. The real math, with sources."

CalcFi doesn't ask for your email or sell you a subscription. Every formula cites an IRS publication, Fed table, or BLS dataset inline, so you can verify the math before making a decision. It's a decision-support tool built on public data — not a lead-generation funnel disguised as a calculator.

Worth checking out if…

You want financial answers grounded in federal data without creating an account, paying a fee, or guessing whether the numbers are accurate. Whether you're comparing state tax burdens, stress-testing a retirement plan, or just curious where your state ranks, CalcFi gives you the math — and the sources — to back it up.