CalcFi

CalcFi is a personal finance analysis tool that helps people run calculations and see how one money decision affects others. It focuses on connected workflows such as mortgage payments, paycheck take-home, debt payoff, retirement planning, net worth, budgeting, and tax questions. The product presents calculations with the math shown and uses live public data from sources like the IRS, Federal Reserve, U.S. Treasury, BLS, BEA, Census, Freddie Mac, HUD, and the Tax Foundation.

The service is designed for everyday financial situations, including being laid off, buying a home, filing taxes, paying down debt, planning retirement, gig work, new parent expenses, and small business or LLC needs. It also includes a State Index that compares all 50 states across money-related dimensions such as salary, tax burden, cost of living, mortgage rates, rent, and affordability.

Calculations run in the browser, and saved numbers are stored locally in the user’s browser so the site does not see the values. When federal rates or tax data change, saved numbers update against the new data so users can review what moved. The site says no signup is required, and AI analysis is optional.

Key features:
- Cross-checks mortgage, paycheck, debt, and retirement numbers against each other
- Runs calculations in the browser with no signup required
- Saves values locally in the user’s browser and refreshes them against live federal data
- Uses public-source data from IRS, Federal Reserve, Treasury, BLS, BEA, Census, Freddie Mac, HUD, and the Tax Foundation
- Offers situation-based browsing for layoffs, home buying, taxes, debt payoff, retirement, gig work, and small business needs
- Includes a State Index with rankings for salary, tax burden, cost of living, mortgage rate, rent, and affordability
- Provides educational analysis with optional AI support