Why we built this
Most online financial calculators are either oversimplified — giving you a single number with no context — or buried inside bank websites designed to sell you a specific product. The numbers come out, but the understanding doesn't.
MyFinCalc was created to fix that. Every calculator on this site is built around three ideas: show the math honestly, explain what the numbers mean, and respect the user's privacy and time. No accounts. No newsletter pop-ups. No tracking your inputs.
What you'll find here
- 12 financial calculators covering salary after tax, FIRE planning, retirement savings, compound interest, debt payoff, rent vs buy, emergency funds, and more.
- Multi-country support for the salary calculator: New Zealand, Australia, United Kingdom, United States, and Canada — each with current tax brackets and country-specific deductions like KiwiSaver, HECS-HELP, FICA, and CPP.
- An editorial blog with detailed guides explaining the formulas, methods, and assumptions behind each calculator. The articles are designed to make you understand the math, not just plug numbers into it.
Our methodology
We take accuracy seriously. Calculators use published formulas — the 4% rule from the Trinity Study, the Rule of 25, standard compound interest formulas, and so on — together with current tax tables for each supported country. When tax brackets change, we update them. The article footers show the last review date.
Where there are multiple valid approaches (for example, debt avalanche vs snowball, or Lean FIRE vs Fat FIRE), we explain the tradeoffs rather than picking a single "winner." Personal finance is personal. What's optimal for one person isn't optimal for another.
Editorial independence
MyFinCalc may display advertisements through Google AdSense and may include affiliate links to financial products in some articles, where disclosed. None of these arrangements influence our calculator results, methodology, or editorial recommendations. The calculators are mathematically deterministic — they would produce the same output regardless of any commercial relationship.
When we recommend a product or platform in a blog post, it's because we've reviewed it and believe it serves the reader. Affiliate compensation, where it exists, is disclosed in the relevant article.
Who's behind this
MyFinCalc is built and maintained by a small independent team with backgrounds in personal finance, software, and design. We're not affiliated with any bank, brokerage, or financial institution. The project started as a personal tool for tracking our own FIRE numbers and grew into the public site you're looking at now.
Important: MyFinCalc provides educational tools and information only. Nothing on this site is personalised financial advice. Always consult a qualified, licensed financial advisor before making significant financial decisions. See our full disclaimer for details.
Get in touch
Found a bug? Spotted an outdated tax bracket? Have a calculator you'd love to see added? We genuinely want to hear from you. Visit our contact page to reach us.