DRIP Calculator
Dividend reinvestment with cost basis & tax
Project a dividend-reinvestment plan over years, with dividend growth, share price growth, dividend tax modeling, and yield-on-cost tracking.
FinCalc Hub
Five finance calculators that show their working
Every tool here runs entirely in your browser — no account, no upload, no tracking of what you type. What makes them different from a generic spreadsheet template is that each one shows which assumptions produced the number and where the model breaks down, so you can tell the difference between a rough planning number and a decision you can actually rely on.
100% local
Your numbers are read by JavaScript in the page and never transmitted.
Assumptions exposed
Each tool lists the rates, brackets and simplifications it uses.
No advice, no promises
Planning aids and reference figures — never financial advice.
All tools
Five tools, each on its own page so you can bookmark or share just the one you need.
Estate / Inheritance Tax Exposure Calculator
Marital & charitable deductions, lifetime exemption
Model US federal estate tax exposure with the marital and charitable deductions, the annual gift exclusion, and the lifetime exemption. Shows the tax-efficient transfer order.
Freelance Tax Calculator
SE tax, quarterly estimates, deductions
Compute US self-employment tax, federal and state income tax, and the four quarterly estimates. Stacks common deductions: home office, health insurance, retirement contributions.
Income Tax Estimator
8 countries, marginal vs effective rate
Estimate income tax across 8 jurisdictions (US, UK, Germany, Canada, Australia, India, Japan, China) with progressive brackets. Compares marginal and effective rates and shows where the threshold bites.
Retirement Withdrawal Planner
4% rule, dynamic, and bracket-aware strategies
Compare the 4% rule, a dynamic (market-aware) withdrawal, and a bracket-aware strategy side by side. Each strategy runs through the same Monte Carlo simulation so you see the survival probability, not just the first-year number.
How to use these tools without fooling yourself
1. Change one input at a time
Every tool is built to be poked at. Move a single assumption — a growth rate, a bracket, an exemption — and watch which output moves and by how much. If nothing changes, the input was decorative.
2. Read the limitations, not just the answer
Each page ends with a section explaining what the model deliberately simplifies. Estate and retirement models in particular are sensitive to sequence-of-returns risk and to legislative change, and a number that looks precise usually is not.
3. Treat the outputs as reference figures
Tax brackets, exemption amounts and rates change, often annually. Anything shown here is a reference value with a stated date. Confirm the current figure with the relevant authority before you act on it.
About this site
FinCalc Hub is a small, independent set of calculators for personal finance planning questions that spreadsheets tend to answer badly: the compounding drag of fees on a dividend plan, the order in which transfers reduce estate exposure, what self-employment tax does to a freelance invoice, which tax bracket an extra hour of work actually falls into, and how long a withdrawal strategy survives a bad market decade.
Everything is static HTML, CSS and JavaScript. There is no account, no server-side calculation and no analytics on the input fields — your numbers never leave the tab they were typed in. That is a deliberate design choice: the fastest way to stop someone using a planning tool is to ask them to trust it with their finances before they have seen what it does.
The tools are not affiliated with any government agency, bank, brokerage or employer, and they are not personalised advice. Where a figure depends on a law or an official schedule, the page tells you which figure to confirm and where to confirm it.
Privacy
No input ever leaves your browser. Each calculator reads its fields with JavaScript, computes the result in the page, and writes the output back into the same document. There is no request to a server when you press Calculate, and no storage of what you typed.
Local storage only. A few tools remember small preferences — for example which comparison you last selected — in your browser's local storage. That data stays on your device. Clearing your browser storage removes it permanently, and the tools still work.
Advertising. This site is supported by advertising. Ad providers may set their own cookies or read device identifiers; that is their policy to publish, not ours. We do not pass any value you enter into a calculator to any advertising script.
Analytics. If page-view measurement is enabled, it records the page path and referrer only. It does not record form input, and it is not linked to anything you type.
No selling, no sharing of personal data. We do not sell personal information and do not share it with third parties for their own marketing.
Disclaimer
These calculators are provided for informational and educational purposes only. Nothing on this site is financial, tax, legal or investment advice, and nothing here is a recommendation to buy, sell, hold or refrain from any product, strategy, filing position or transfer.
Tax and estate figures shown are reference values with the date they were last checked. Legislation, thresholds and rates change; an exemption figure that is correct this year may be wrong next year. Always confirm the current number with the relevant official source — for the United States, IRS; for the United Kingdom, GOV.UK; for Canada, Canada.ca; for Australia, ATO; for China, 国家税务总局. The figures in this repository are a convenience, not a substitute for the official schedule.
The withdrawal planner runs a Monte Carlo simulation. Simulations describe a distribution of possible futures, not a prediction, and the result depends on the sequence assumptions in the model. Do not treat a survival percentage as a guarantee.
Verify anything that matters with a qualified professional — a tax adviser, accountant, financial planner or estate attorney — before you act. You are responsible for decisions made on the basis of what you read here.
Advertisement