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Free Financial Calculators
Straight answers to the money questions people actually ask: how long savings will last, what a paycheck really pays, how compound growth builds, and what currencies convert to using indicative October 2026 sample rates.
Why use our calculators
One question, one clear answer
Every tool on MyWealthGauge is built around a single decision: Can I retire on this? What will this deposit become? What will actually land in my bank account? You get the headline number first, then the year-by-year detail underneath it, so you can see exactly how the result was reached instead of trusting a black box.
Assumptions you can see and change
Returns, inflation, contribution rates and tax brackets are all visible inputs, never hidden defaults. Change any of them and the result updates to match. That matters, because a retirement plan that only works at a 10% return is a very different plan from one that works at 6%.
Private by design
These calculators run entirely in your browser. The numbers you type never leave your device, there is no account to create, and nothing is stored. You can run as many what-if scenarios as you like, as often as you like.
Free, with no catches
No email wall, no trial, no upsell. The tools are supported as a free public resource for teachers, nurses, public employees, and anyone else trying to make a careful decision with their own money.
Frequently asked questions
Are these calculators free to use?
Yes. Every calculator on this page is free, with no sign-up and no limit on how many scenarios you run.
Is my financial information stored anywhere?
No. All calculations happen in your browser on your own device. Nothing you enter is sent to a server or saved.
How accurate are the results?
They are careful estimates based on the numbers you enter and steady assumptions (a constant return, constant inflation). Real markets move up and down year to year, so treat results as planning guides, not predictions.
Should I make financial decisions based only on these tools?
No. Use them to understand your options and prepare better questions, then talk to a qualified financial adviser or tax professional before making major decisions, especially around retirement withdrawals and taxes.
Retirement Longevity Calculator
How Long Will My Money Last Calculator
Enter what you have saved, what you expect it to earn, and what you plan to take out each year. We will show you how many years and months it lasts, and the balance at the end of every year.
Your result
Press calculate to see how long your savings last.
Year-by-year balance
| Year | Withdrawal | End balance |
|---|---|---|
| Your projection will appear here. | ||
How this calculator works
This calculator answers the most common retirement question in its simplest form: if you stop working today, how long does the pot last? It starts with your current savings, grows the balance each year by the annual return you enter, then subtracts one year of withdrawals. Because most retirees want their spending to keep pace with rising prices, the withdrawal itself grows each year by the inflation rate you enter. A $40,000 withdrawal at 3% inflation becomes about $53,700 after ten years, and that steady creep is exactly why inflation belongs in the calculation. Leave it out, and almost every plan looks safer than it really is.
The math is a simple loop, not a forecast. Each year: new balance = (old balance × (1 + return)) − this year's withdrawal. The calculator repeats that until the balance cannot cover a full year's withdrawal, then works out the remaining months from the partial year. That gives you the "years and months" figure at the top, plus the table showing the balance gliding down year by year. If your balance keeps growing instead of shrinking, your withdrawals are below what your investments earn, and the money lasts indefinitely on these assumptions; the calculator will tell you that too, and cap the table at 60 years.
Practical tips for using your result
First, test a bad decade, not just an average one. Run the numbers again at a return 2 points lower than you expect. If the money still lasts into your late 80s or 90s, your plan has a margin of safety. Second, compare your withdrawal to the classic 4% guideline: withdrawing 4% of your starting balance, adjusted for inflation, has historically lasted about 30 years in most market conditions. If your planned withdrawal is 6% or 7% of savings, expect a noticeably shorter runway. Third, remember what this leaves out: taxes on withdrawals from traditional retirement accounts, Social Security or pension income that reduces what you need to withdraw, healthcare costs, and the order in which markets deliver good and bad years. Treat the result as the starting point of a plan, then stress-test it from a few directions before you rely on it.
Frequently asked questions
What annual return should I enter?
Use a cautious, long-run figure for your mix of investments: roughly 6–7% for a balanced stock-and-bond portfolio before inflation, less for mostly bonds or cash. Then rerun it 2 points lower to see how much margin you have.
Does this include Social Security?
Not directly. If you expect Social Security or a pension, subtract that annual income from the withdrawal amount you enter. That shows what your savings alone need to cover.
Why does inflation shorten the result so much?
Because your withdrawals grow every year while a fixed return may not keep up. At 3% inflation, the amount you need doubles in about 24 years, which is well within a normal retirement.
What if my money never runs out in the result?
It means your expected return covers your inflation-adjusted withdrawals on paper. That is a strong position, but it still assumes a steady return every year, which real markets do not deliver.
Currency Converter
Currency Converter
Convert between twelve major currencies. Rates below are indicative samples for October 2026, shown openly so you can see exactly what your conversion is based on.
Converted amount
Press convert to see the rate used.
How currency conversion works
Every conversion on this page runs through the US dollar, because the sample rates are stored as "units of currency per 1 US dollar." To convert, the calculator first turns your amount into dollars, then turns those dollars into your target currency. Converting 1,500 Mexican pesos to dollars at an indicative 17 pesos per dollar, for example, means dividing 1,500 by 17. The same logic works in reverse for any pair: euros to rupees, pounds to dirhams, or yen to Canadian dollars all pass through the dollar rate for each side. That is why the result panel always shows you the exact cross rate used, not just the final number. If the rate looks wrong for the day you are traveling or sending money, the conversion will be off by the same proportion, which is precisely why the rates here are labeled indicative rather than live.
It also helps to know why the amount you finally receive is usually a little less than any converter suggests. Banks, card networks, and money-transfer services rarely give you the mid-market rate you see quoted in the news. They add a spread, commonly 1–4%, plus sometimes a flat fee, and cash at an airport bureau can cost far more. A converter like this one tells you what your money is worth at the reference rate; treat anything within a few percent of that figure as a fair deal, and be suspicious of any service advertising a rate noticeably better than the reference rate, because the difference is usually recovered in fees instead.
Practical tips before you exchange money
Convert the amount you will actually spend, not round numbers, and check the rate on the day of the transaction rather than the day you planned the trip. For large transfers, compare at least two providers on the total received, not the headline rate. Avoid exchanging at airports when you can, pay in the local currency when a card terminal offers you a choice (choosing dollars usually means accepting the merchant's worse rate), and remember that a handful of currencies here, such as the UAE dirham and Saudi riyal, are pegged to the US dollar, so their dollar rates barely move at all.
Frequently asked questions
Are these exchange rates live?
No. They are clearly labeled indicative sample rates dated October 2026, hardcoded for this static page. Live rates will be connected when the site is deployed, and the rate used is always displayed with your result.
Why does my bank give me a different amount?
Banks and transfer services add a spread and fees on top of the reference rate. The difference is normally 1–4%, and it is how the service makes its money.
Which currencies can I convert?
US dollar, euro, British pound, Pakistani rupee, Indian rupee, UAE dirham, Saudi riyal, Canadian dollar, Australian dollar, Japanese yen, Chinese yuan, and Swiss franc.
What does the "rate used" mean?
It is the cross rate for your pair, worked out through the US dollar: how many units of the target currency one unit of your starting currency buys at the indicative rates.
Retirement Savings
403(b) Calculator
Project your 403(b) balance at retirement from your salary, your contribution rate, your employer's match, and expected investment growth.
Projected balance at retirement
Press project to see the breakdown.
Your contributions — · Employer match — · Investment growth —
How the 403(b) projection works
A 403(b) is the retirement plan offered to teachers, hospital staff, and employees of nonprofits and public organizations. It works much like a 401(k): money comes out of each paycheck before tax, your employer often adds a match, and the whole balance grows tax-deferred until you withdraw it in retirement. This calculator combines those three engines. Your current balance compounds for the full period. Separately, each year's combined contribution, yours plus your employer's, is treated as a deposit that compounds for the years remaining. Add the grown-up deposits to the grown-up starting balance and you get the projected figure at the top, split into what you put in, what your employer put in, and what growth added on top.
The formula behind each piece is the standard future-value calculation. A lump sum grows as balance × (1 + return) raised to the number of years. A steady yearly deposit grows as deposit × [((1 + return)^years − 1) ÷ return]. The split matters more than the total: in a typical 25-year projection, investment growth ends up larger than everything contributed, which is the whole point of starting early. It also shows why the employer match is so valuable. The match is an immediate 100% return on that slice of your pay, before any market growth at all, so contributing at least enough to capture the full match is the closest thing retirement saving has to a guaranteed win.
Practical tips for 403(b) savers
First, never leave match money unclaimed: if your employer matches up to 5% and you contribute 3%, raising your contribution to 5% is effectively a pay rise. Second, small percentage increases compound quietly; many plans let you schedule an automatic 1% rise each year, which most people barely feel in their paycheck. Third, watch the fees on the investment options inside your plan, because a fund charging 1% a year can consume a quarter of your final balance over a career compared with one charging 0.1%. Finally, remember this projection assumes your salary and contribution rate stay flat. If your pay rises and you contribute a percentage of it, your actual contributions will be higher than shown here, so treat the result as a floor based on today's pay rather than a ceiling.
Frequently asked questions
Who can have a 403(b)?
Employees of public schools, hospitals, churches, and tax-exempt nonprofits. If your employer offers one, you are generally eligible to contribute from your first paycheck.
How is a 403(b) different from a 401(k)?
They work almost identically for the saver: pre-tax contributions, employer match, tax-deferred growth. The main differences are the type of employer that offers each plan and some administrative rules.
Does this calculator include salary increases?
No. It holds salary and contribution percentages constant, so the projection is deliberately conservative if your pay rises over your career.
Are taxes included in the projection?
No. The balance shown is before tax. Withdrawals from a traditional 403(b) are taxed as income in retirement, so your spendable amount will be lower than the headline figure.
Savings & Investing
Compound Interest Calculator
See what a lump sum plus steady monthly deposits becomes over time, and exactly how much of the final amount is interest you earned rather than money you put in.
Future value
Press calculate to see the growth breakdown.
You contributed — · Interest earned —
How compound interest works
Simple interest pays you only on the money you put in. Compound interest pays you on your money plus all the interest it has already earned, which is why balances curve upward instead of growing in a straight line. This calculator applies that idea at the frequency you choose. Each period, the balance is multiplied by (1 + annual rate ÷ periods per year), and your monthly contribution is added in along the way. Compounding daily rather than annually produces a slightly higher result at the same headline rate, and the calculator converts your chosen rate into the effective annual rate so you can compare offers honestly: a savings account advertising 4.9% compounded daily actually earns about 5.02% over a year.
The formula for a lump sum is future value = principal × (1 + r ÷ n) raised to (n × years), where r is the annual rate and n is the number of compounding periods a year. Regular deposits use the companion formula for a series of payments, then the two results are added together. What usually surprises people is the split shown in the bar above. In the early years, almost everything in the account is money you deposited. Somewhere in the second decade, at typical market returns, the interest slice overtakes the contribution slice, and from then on the account grows more from its own earnings than from anything you add. That crossover point is the practical meaning of "letting your money work for you," and it arrives years earlier if you start sooner, even with smaller deposits.
Practical tips for growing savings faster
Time in the account beats the size of the deposit: starting five years earlier at $200 a month usually beats starting later at $300. Raise contributions on a schedule, for example every time your pay rises, rather than waiting until you feel you can afford a large amount. Keep fees and taxes in view, because a 1% annual fee quietly removes roughly a fifth of a 30-year balance. And compare savings accounts by effective annual yield (APY), not the headline rate, since compounding frequency is already baked into APY. Finally, keep a separate emergency fund in an ordinary savings account; the growth in this calculator only materializes if the money is left alone long enough to compound.
Frequently asked questions
How often should interest compound?
More frequent compounding gives a slightly higher return at the same rate. Daily versus annual compounding typically adds a few tenths of a percent over a year, which matters over decades but should not be the main reason you choose an account.
What rate should I use for investments?
US stocks have returned roughly 10% a year on average over long periods before inflation, and balanced portfolios less. Use a cautious figure like 6–7% for planning, and never treat any return as guaranteed.
Why is the interest slice so large after 20 years?
Because interest itself starts earning interest. By the later years, each year's growth is calculated on the full accumulated balance, not just on what you deposited.
Does this account for inflation or taxes?
No. The future value is nominal. As a rough adjustment, subtract expected inflation (often around 3%) from your rate to see growth in today's buying power, and remember that interest and gains may be taxed.
Take-Home Pay
Paycheck Estimator
Estimate your net pay per paycheck after federal income tax and FICA, using simplified 2026 US brackets for a single filer. State taxes are not included.
Estimated net pay per paycheck
Press estimate to see the full breakdown. This is an estimate, not tax advice.
How this paycheck estimate works
The estimator first turns one paycheck into annual pay by multiplying by the number of paychecks in your schedule, because US income tax is ultimately calculated on annual income. From that annual figure it subtracts the standard deduction for a single filer (simplified here at $16,100 for 2026), then applies the federal brackets in slices: the first slice of taxable income is taxed at 10%, the next at 12%, then 22%, and so on up through 37% for very high incomes. That slicing is why your effective rate is always lower than the bracket your top dollar falls into. If you are "in the 22% bracket," only the dollars above the 12% threshold are taxed at 22%; everything below is taxed at the lower rates it passed through on the way up.
On top of income tax, the estimator deducts FICA, the payroll tax that funds Social Security and Medicare. Social Security takes 6.2% of wages up to an annual wage cap (simplified here at $176,100), and Medicare takes 1.45% of all wages, with an extra 0.9% on earnings above $200,000 for single filers. Your employer pays a matching share that never appears on your paycheck. Dividing the annual tax back by your number of paychecks gives the per-paycheck figures shown above. What this deliberately leaves out is everything state and local: state income tax (which ranges from zero to over 10% depending on where you live), pre-tax deductions for health insurance and retirement plans, and credits or extra withholding you may have chosen on your W-4.
Practical tips for reading your pay stub
Compare this estimate with your real stub line by line. If your actual federal withholding is much higher than the estimate, you are likely headed for a refund, which is an interest-free loan to the government; adjusting your W-4 can move that money into each paycheck instead, though you should keep a cushion if your income varies. If it is much lower, check whether bonuses, a second job, or side income are being under-withheld, because those are the usual causes of a surprise tax bill in April. When you evaluate a job offer, run the salary through this estimator at the right pay frequency, and remember that biweekly pay produces two months a year with three paychecks, which many households treat as built-in savings for annual bills.
Frequently asked questions
Is this my exact take-home pay?
No. It is an estimate using simplified 2026 federal brackets, the single-filer standard deduction, and FICA. It excludes state and local taxes, benefits, retirement contributions, garnishments, and tax credits, all of which change real paychecks.
Why is my effective rate lower than my tax bracket?
Brackets are marginal. Each slice of income is taxed at its own rate, so your overall (effective) rate blends the lower rates on your first dollars with the higher rate on your last dollars.
What is FICA?
The Federal Insurance Contributions Act tax: 6.2% for Social Security (up to the annual wage cap) plus 1.45% for Medicare on all wages, with an additional 0.9% Medicare tax over $200,000 for single filers.
Does this include state tax?
No. State income tax varies widely and is not included. If your state has an income tax, your actual net pay will be lower than this estimate.
MyWealthGauge Blog
Money Guides, Explained Plainly
Practical articles that go deeper than the calculators: retirement withdrawal strategies, 403(b) and 401(k) rules for teachers and nonprofit workers, travel money, and everyday paycheck questions.
New articles coming soon
We are writing the first guides now. In the meantime, the calculators themselves are live and free to use:
Retirement longevity calculator · 403(b) calculator · Currency converter
About Us
About MyWealthGauge
MyWealthGauge is a small, independent website that builds free financial calculators for people who want straight answers to everyday money questions. No sign-up walls, no upsells, and no jargon for its own sake, just tools that show their working so you can see exactly how every result was reached.
What we offer
- Retirement longevity calculator — how long your savings last at a given return, withdrawal, and inflation rate, with a year-by-year balance table.
- 403(b) calculator — a projection of your retirement balance from salary, contribution rate, employer match, and growth, built for teachers, hospital staff, and nonprofit employees.
- Compound interest calculator — how a lump sum plus monthly deposits grows, and how much of the final amount is interest rather than money you put in.
- Paycheck estimator — an estimate of take-home pay after federal income tax and FICA.
- Currency converter — conversions between twelve major currencies, with the rate used shown openly on every result.
Our mission
Most money decisions are made with incomplete information and a deadline. Our mission is to close that gap: give anyone, especially public-sector and nonprofit workers whose retirement plans get less attention than corporate 401(k)s, a clear, honest estimate they can act on in minutes, then the context to judge whether that estimate is sturdy or fragile.
How we work
Every calculator runs entirely in your browser. The numbers you type never leave your device, nothing is stored, and there is no account to create. Assumptions such as returns, inflation, and tax brackets are visible inputs you can change, because a plan that only works at one optimistic return is not much of a plan. Results are educational estimates, not financial advice, and we say so plainly wherever a number appears.
Questions or corrections? Visit our Contact page — we read everything.
Contact Us
Contact MyWealthGauge
Found an error in a calculator, want a tool we have not built yet, or have a question about how a result was worked out? Get in touch.
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Privacy Policy
Last updated: October 3, 2026
This Privacy Policy explains what information MyWealthGauge ("we", "us", "our") collects when you visit this website, how it is used, and the choices you have. By using this site, you agree to the practices described here.
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Legal
Terms of Service
Last updated: October 3, 2026
These Terms of Service ("Terms") govern your use of the MyWealthGauge website and its calculators. By accessing or using this site, you agree to these Terms. If you do not agree, please do not use the site.
1. Use of the calculators
The calculators and content on this site are provided free of charge for personal, educational use. Results are estimates generated from the values you enter and simplified assumptions (including steady investment returns, constant inflation, and simplified tax brackets). They are provided for illustration only and do not constitute financial, investment, tax, or legal advice. You are responsible for verifying any result before relying on it and for consulting a qualified professional about your own circumstances.
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To the fullest extent permitted by law, MyWealthGauge and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or savings, arising from your use of (or inability to use) the site or reliance on any calculator result, even if advised of the possibility of such damages. Our total liability for any claim arising from the site will not exceed the amount you paid to use the site (which is zero for a free site), or USD 100, whichever is greater, where such a floor is required by law.
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Legal
Disclaimer
Last updated: October 3, 2026
The information and tools provided on MyWealthGauge are for general educational and informational purposes only. Please read this disclaimer carefully before using any calculator on this site.
Estimates, not advice
Every calculator on this site produces estimates based on the numbers you enter and simplified assumptions, including constant rates of return, constant inflation, and simplified tax figures. Real investment returns vary year to year, tax law changes, and your personal situation includes factors no calculator can capture. Nothing on this site is, or should be treated as, financial advice, investment advice, tax advice, or legal advice, and no content here is a recommendation to buy, sell, or hold any security or financial product.
Consult a licensed professional
Before making decisions about retirement withdrawals, contributions, investments, or taxes, consult a licensed financial adviser, tax professional, or attorney who understands your complete financial picture. A calculator can help you prepare better questions; it cannot replace professional judgment.
Currency rates
Exchange rates used by the currency converter are indicative sample rates dated October 2026, provided for planning and illustration. They are not live market rates. Banks, card networks, and money-transfer services apply their own rates and fees, so the amount you actually receive will differ. Always confirm the rate and total cost with your provider before completing a transaction.
No responsibility for decisions
You are solely responsible for any decisions you make using the tools or content on this site. MyWealthGauge and its operators accept no responsibility or liability for any loss or damage arising from reliance on calculator results or articles published here. Past performance, historical returns, and projected figures do not guarantee future results.
Accuracy of content
We work to keep the information on this site accurate and current, but we make no representations or warranties, express or implied, about the completeness, accuracy, reliability, or suitability of any content. If you spot an error, please let us know at info@mywealthgauge.com.