Launching today
PennyRatio
Free financial calculators for taxes, FIRE & loan planning
1 follower
Free financial calculators for taxes, FIRE & loan planning
1 follower
PennyRatio is a free suite of personal finance calculators built to help you make sense of retirement, taxes, borrowing, and savings—without complex setup or account sign-ups. Key Tools & Features: US Tax & Retirement: Plan early withdrawals with the US 72(t) SEPP tool or model take-home earnings with the US Paycheck Tax calculator. Savings & Borrowing: Plan ahead using Compound Interest, Mortgage, Rent vs. Buy, Debt Payoff, and Auto Loan calculators.
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Hey Product Hunt community! 👋
I'm Kamal, creator of PennyRatio (https://pennyratio.com/). I'm super excited to share this project with you all today! 🚀
💡 Why I Built PennyRatio
Like many of you, I love playing with numbers when planning my finances. But every time I searched for simple tools—whether to calculate my FIRE timeline, estimate paycheck taxes, or check mortgage payments—I ran into the same frustrating obstacles:
Forced Account Sign-ups: Pages requiring an email address just to show a basic calculation result.
Paywalls & Trial Traps: Useful features locked behind expensive monthly subscriptions.
Ad-Cluttered & Clunky Interfaces: Slow sites filled with pop-ups, trackers, and confusing layouts.
I wanted a clean, fast, and completely transparent place where anyone can answer their money questions instantly. So, I built PennyRatio—a collection of free, lightweight personal finance calculators designed with privacy and clarity at its core.
🛠️ What's Included?
PennyRatio brings together 12 specialized web-based tools split into easy-to-navigate categories:
Retirement & FIRE Planning:
FIRE Retirement Target Calculator: Model your financial independence goal, tweak inflation and return rates, and export your timeline directly as a CSV file.
US 72(t) SEPP Calculator: A specialized tool to model penalty-free early retirement distributions using IRS methods (Fixed Amortization, Fixed Annuitization, and RMD).
US Roth IRA Calculator: Project long-term compound growth for tax-free retirement savings.
Income & Taxes:
US Paycheck Tax Calculator: Get a clear estimate of your take-home pay based on updated US federal and state tax rules.
Hourly to Salary Converter: Quickly map out your hourly wages to annual earnings.
Savings & Growth:
Compound Interest Calculator: See how small, consistent contributions build wealth over time.
Savings Growth / HYSA Calculator: Estimate interest returns on high-yield savings accounts.
Borrowing, Housing & Auto:
Mortgage Payment Calculator: Estimate monthly house payments with clear principal and interest breakdowns.
Rent vs. Buy Calculator: Compare total long-term costs of renting vs. homeownership.
Debt Payoff Calculator: Map out strategies to clear high-interest debts faster.
Car Payment & Auto Loan vs. Lease: Calculate vehicle financing terms and compare buying vs. leasing scenarios.
✨ Key Features & Privacy Commitment
100% Free Forever: No hidden fees, no "premium" tier, and no paywalls.
No Sign-up Required: Use every calculator instantly in your browser without creating an account or sharing personal data.
Transparent Assumptions: Every tool clearly explains the underlying formulas, tax rules, and inputs used.
Export Capabilities: Download your financial projection models directly as CSV spreadsheets.
💬 I'd Love Your Feedback!
Since PennyRatio is built for users like you, your thoughts are hugely valuable to me!
What other financial calculators or features would you like to see added?
How can I make the existing tools even more useful?
Please check out https://pennyratio.com/, test out the calculators, and drop your feedback, suggestions, or questions in the comments below.
Thank you so much for your support!