Editorial principles
- Every formula and figure is verified against official sources (laws and public agency notices).
- When rates change, the calculator and its guide content are updated together.
- Reported errors are fixed as soon as they are confirmed.
Calculators by Sin Dongho (178)
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Finance
DTI Loan Limit Calculator
Calculate maximum loan amount based on debt-to-income ratio limits. Fannie Mae DU 50%, FHA 56.99%, VA flexible, QM safe harbor 43%. Find your true borrowing capacity.
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Finance
Bank Overdraft Fee Calculator
Calculate true cost of bank overdraft fees: $34-$35/item Chase/BofA/Wells Fargo, sustained $25 fee, implied APR over 200%. CFPB $5 cap REPEALED by Congress 2025.
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Finance
Credit Card Cash Advance Calculator
Calculate true cost of credit card cash advance: 28-30% APR, 5% transaction fee, NO grace period, no rewards. Compare to personal loan, BNPL, HELOC alternatives.
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Real Estate
Move-In Loan & Rental Assistance
Free move-in cost calculator. Estimate borrowing capacity for first month + last month + security deposit + broker fee — via personal loan, 401(k) loan, ERA, Section 8 deposit help.
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Finance
Savings Goal Calculator
Free savings goal calculator. Find how long to reach a target amount given a current balance, monthly contribution, and APY. Models taxes on interest for accurate after-tax timing.
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Finance
Real Rate of Return Calculator
Free real rate of return calculator using the Fisher equation. Convert nominal returns to real (inflation-adjusted) returns to see what your investment actually buys you.
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Lifestyle
US Import Customs Duty Calculator
Calculate US Customs duty + Merchandise Processing Fee on imports. FY2026: $33.58 min / $651.50 max formal MPF (0.3464%), $2.69 informal. Find your HTSUS rate.
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Real Estate
Business Goodwill Payback Calculator
Free business goodwill payback calculator. Models how many years to recover the goodwill / key money / business purchase premium. Compares against IBBA Small Business Multiples and SBA 7(a) underwriting.
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Insurance
Private Pension / Annuity Calculator
Free private pension and annuity calculator. Compare lump-sum payout vs. lifetime monthly stream, project annuity income from a premium, and evaluate fixed vs. variable annuities.
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Insurance
Medicare Supplement (Medigap) Calculator
Free Medicare Supplement (Medigap) calculator. Project annual out-of-pocket costs by plan letter (G, F, N, K, L) using current CMS premium and deductible amounts.
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Insurance
SSI Supplemental Security Income Calculator
Free SSI (Supplemental Security Income) calculator. Estimate your monthly SSI benefit based on countable income, living arrangement, and the 2026 Federal Benefit Rate.
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Insurance
Federal Pension FERS / CSRS Calculator
Free FERS / CSRS federal pension calculator. Estimate your federal employee retirement annuity by years of service, high-3 average salary, and applicable multiplier.
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