Mortgage & Financial Tools Portfolio

Professional-grade, accurate calculators for all your mortgage, real estate, and personal finance needs. Free to use with no sign-up required.

Every calculator on this site is free, runs right in your browser, and needs no sign-up or account. We keep the numbers current for 2026 — federal tax brackets, retirement contribution limits, mortgage and auto rates, and the latest USCIS filing fees — so your estimates reflect this year's rules, not last year's. Pick a tool below to run your own numbers, or read one of our plain-English guides to understand the math behind them.

Immigration Fee Calculators 2026

Free USCIS fee calculators — updated with the official 2026 fee schedule

New 2026: Includes Visa Integrity Fee ($250), bundled biometrics, and updated HR-1 statutory add-ons. All fees verified against USCIS G-1055 Fee Schedule 2026.

Immigration Guides & Articles

Guide

How Much Does a Green Card Cost?

Complete cost breakdown by pathway — USCIS fees, medical, attorney. Updated May 2026.

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Guide

USCIS Fee Calculator 2026 Guide

How the 2026 USCIS fee schedule works, form by form, with the free calculator tool.

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Guide

USCIS Processing Times 2026

Current wait times for I-485, N-400, H1B, and all major forms. How to check your case.

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Guide

Immigration Medical Exam Cost

Civil surgeon fees, what is included, required vaccines, and how to save money.

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Checklist

I-485 Document Checklist 2026

Every document you need to file your green card application — complete checklist.

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Guide

Immigration Lawyer Cost 2026

Attorney fee ranges by case type — when you need one and how to save money.

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News

USCIS Fee Increase 2026

Before-and-after fee comparison. What changed, who is affected, and by how much.

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Guide

H1B Visa Total Cost 2026

Everything an H1B costs — employer filing fees, premium processing, and employee expenses.

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Guide

K-1 Fiancé Visa Total Cost 2026

Full K-1 cost from I-129F petition through the green card, including medical and travel.

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News

Visa Integrity Fee ($250) 2026

What the new $250 Visa Integrity Fee is, who pays it, and how it affects your total.

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Guide

Immigration Fee Waiver Eligibility

Form I-912 income limits and rules — see if you qualify to skip USCIS filing fees.

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Guide

I-130 Petition Cost 2026

Family sponsorship filing fees for spouses, children, parents, and siblings.

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Guide

I-751 Remove Conditions Cost

The cost to remove conditions on a marriage-based green card, plus filing tips.

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Guide

I-90 Green Card Renewal Cost

What it costs to renew or replace your green card, and when a fee waiver applies.

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Financial Calculators

Mortgage, investing, tax, and personal finance tools

Real Estate

Mortgage Calculator

Monthly payments & amortization.

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Auto

Auto Loan Calculator

Vehicle financing.

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Finance

Salary After Tax

Take-home pay.

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Investing

Compound Interest

Growth projections.

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Finance

Debt Payoff

Payoff strategies.

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Real Estate

Home Affordability

Borrowing power.

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Real Estate

Refinance Savings

Calculate savings from refinancing.

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Finance

Student Loan Repayment

Manage education debt.

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Investing

Retirement Planner

Project your 401k growth.

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Auto

Car Insurance Estimator

Estimate monthly premiums.

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Real Estate

Home Equity & HELOC

Find borrowing limits.

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Finance

Credit Score Estimator

Utilization impact.

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Finance

Net Worth Tracker

Assets minus liabilities.

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Finance

Personal Loan

Payment estimator.

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Finance

Inflation Adjusted

Purchasing power.

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Auto

Lease vs Buy Car

Finance comparison.

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Finance

Savings Goal

Plan your savings.

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Investing

Tax Equivalent Yield

Bond analysis.

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Investing

CD Ladder Planner

Maximize interest.

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Auto

Home Insurance

Premium estimate.

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Auto

Life Insurance

Coverage needs.

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Real Estate

Rent vs Buy

Housing comparison.

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Finance

Paycheck Calculator

Hourly to gross.

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Investing

Annuity Payout

Retirement income.

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Investing

ROI Calculator

Return on investment.

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Finance

Break Even Point

Business sales goal.

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Finance

Loan Amortization

Full schedule.

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Finance

HSA Savings

Tax advantages.

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Real Estate

Moving Estimator

Relocation budget.

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Financial Guides & Articles

Mortgage

Mortgage Rates Forecast 2026

Where rates stand now and what Fannie Mae, MBA, and NAR predict by year-end.

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Mortgage

15-Year vs 30-Year Mortgage

Full comparison at 2026 rates — monthly payment, total interest, and how to choose.

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Affordability

How Much House on $100k Salary

Real 2026 affordability numbers using the 28/36 rule and current mortgage rates.

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Retirement

401(k) Contribution Limits 2026

Full IRS Notice 2025-67 breakdown — $24,500 deferral, $8,000 catch-up, super catch-up rules.

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Retirement

Roth IRA vs Traditional IRA 2026

2026 limits, income phase-outs, and the one-line rule for choosing between the two.

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HSA

HSA Contribution Limits 2026

Rev. Proc. 2025-19 limits, HDHP requirements, and the triple tax advantage.

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Debt

Debt Avalanche vs Snowball

Which debt payoff method saves more — the math, the research, and the right pick for you.

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Taxes

Federal Tax Brackets 2026

IRS Rev. Proc. 2025-32 — full single & joint brackets, standard deduction, capital gains thresholds.

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Mortgage

When Does Refinancing Make Sense?

Break-even math, the 0.75% rule, and 2026 refi closing-cost ranges.

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Savings

Best CD Rates vs High-Yield Savings 2026

Top May 2026 APYs side-by-side — when CDs beat HYSAs and when they don't.

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Investing

Rule of 72 Explained

How long it takes money to double at any return — worked examples at 2026 rates.

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Credit

Raise Your Credit Score 100 Points

The fastest FICO levers, a 6-month action plan, and what credit-repair ads get wrong.

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Student Loans

SAVE Plan & IDR Update 2026

SAVE is ending. RAP launches July 1, 2026. What 7.5M borrowers must do next.

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HSA

HSA vs FSA 2026

$4,400/$8,750 HSA, $3,400 FSA, $7,500 DCFSA — when each wins, and the eligibility trap.

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Auto

Auto Loan Rates 2026

6.5–7% new, 11% used. Average APRs by credit tier and how to negotiate lower.

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Auto

Tesla Car Insurance Cost by State 2026

What a Model Y costs to insure across 11 states — CA, TX, FL, NY, GA, NJ, IL, PA, AZ, OH & WA — full-coverage rates, state minimums, and why EVs cost more.

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Auto

Auto Loan Rates by State 2026

Average new & used APRs plus state sales tax, title & registration fees in TX, CA, FL, NY, GA, OH & PA — what financing a car really costs.

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Taxes

Take-Home Pay by State 2026

What $75k–$200k actually nets after federal, FICA & state tax in CA, TX, NY & FL — full paycheck breakdowns by salary and state.

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Insurance

Homeowners Insurance Cost by State 2026

Average home insurance premiums in 15 states — FL $10,240 to CA $1,348 — why they differ, and how to lower yours.

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Savings

How to Build a CD Ladder 2026

Stagger 1–5 year CDs to lock in top ~4% APYs while keeping yearly access. Step-by-step guide with a worked example.

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What you can work out here

Mortgage & Home

Our mortgage and home tools help you plan a purchase from every angle. Estimate your monthly payment and full amortization schedule, check how much house you can afford on your salary, and compare renting versus buying. Refinance and home-equity tools show whether today's rates would save you money and how much you can borrow against a place you already own.

Loans & Debt

Weigh any loan before you sign for it. Calculate payments on auto, personal, and student loans, build a complete amortization schedule, and test payoff strategies like the avalanche and snowball methods to see which clears your balances faster. A credit-score estimator shows how paying down balances changes your utilization and score.

Taxes & Paycheck

See what you actually keep. Our salary-after-tax and paycheck calculators turn a gross figure into real take-home pay after federal, FICA, and state withholding, and our 2026 tax guides lay out the current brackets and standard deduction. Use them to plan a job offer, a raise, or a move to a different state.

Savings & Investing

Grow your money with a plan. Project compound interest and retirement savings, set a target with the savings-goal tool, ladder CDs to lock in higher yields, and compare returns using ROI, annuity, and tax-equivalent-yield calculators. Our guides cover 2026 contribution limits and where CD and high-yield savings rates stand right now.

Insurance

Estimate coverage and premiums before you shop. Get a rough monthly figure for car, home, and life insurance, and use our state-by-state guides to see what homeowners and Tesla auto coverage really cost where you live. Knowing a fair range makes it much easier to spot an overpriced quote.

Immigration Fees

File with no surprises. Our USCIS fee calculators add up the exact 2026 filing costs for green cards (I-485), citizenship (N-400), H1B petitions, and K-1 fiancé visas, including the new $250 Visa Integrity Fee and updated add-ons. A fee-waiver checker shows whether your income qualifies you to file for free, and our guides explain processing times, medical exam costs, and when hiring a lawyer is worth it.