All tools
Every free calculator on Pluvra, by category.
Tax
US tax deductions and refunds, updated for the 2025-2028 rules.
- No Tax on TipsYour deduction for qualified tips, with the $25,000 cap and phase-out.
- Senior Tax DeductionThe extra $6,000 deduction for age 65+, with the income phase-out.
- SALT DeductionYour state and local tax deduction under the new cap, by tax year.
- No Tax on OvertimeYour deduction for overtime premium pay, with the $12,500 cap and phase-out.
- Car Loan Interest DeductionYour deduction for new-car loan interest, with an eligibility check and phase-out.
Health
Marketplace subsidies and poverty-level limits for 2026 and 2027 coverage.
Student loans
Federal student loan repayment under the 2025 law: RAP, IBR and the standard plan.
Mortgage
The decisions after the loan: recast, buydowns, PMI removal and paying off early.
- Mortgage RecastNew payment after a lump sum, interest saved, fee break-even, vs keeping the old payment.
- Mortgage BuydownYear-by-year payments and total cost of a 2-1, 3-2-1 or 1-0 buydown, vs discount points.
- PMI RemovalThe dates PMI can be cancelled (80%) and must end (78%), and the PMI you pay until then.
- Extra Mortgage PaymentPayoff date and interest saved from extra monthly, yearly, one-time or biweekly payments.
Money
Saving, investing, retirement and loans.
- FIRE NumberHow much you need invested to retire early, and when you get there.
- Coast FIREWhat you need invested now to stop saving and still retire on time.
- Barista FIREThe smaller portfolio you need when part-time work pays some bills.
- Trump AccountWhat a child's Trump Account could grow to by 18 and 65.
AI
Costs and limits of AI models and tools.