Featured Tool
Withholding Safe Harbor Check
Find out whether your federal withholding is on track for safe harbor — and estimate what additional withholding may still be needed before year-end.
Check My WithholdingTools & Calculators
Make smarter decisions with the right numbers.
Free calculators and checkups that turn your numbers into clear, informed decisions
- Built for real decisionsExplore the financial choices that can have the greatest long-term impact.
- Clear assumptionsSee what goes into every estimate so you can evaluate the results.
- Practical next stepsTurn your results into clear actions instead of another unanswered question.
Choose a place to start
What are you trying to figure out?
Start with the decision in front of you. We’ll point you toward the tools that can help you test it.
Build my safety net
Emergency funds and cash-flow resilience.
Optimize retirement
401(k), Roth, and retirement tradeoffs.
Understand my taxes
Compensation, withholding, and tax decisions.
Make a housing decision
Buying, renting, mortgages, and payoff choices.
Protect what I’ve built
Insurance and financial protection decisions.
Plan for my family
Family finances, education, and long-term needs.
Tools Library
Use the numbers. Not just the rule of thumb.
Run the calculation, change the assumptions, and see how the answer moves when your inputs change.
Available
Cash Flow
Annual Financial Checkup
Get a clear snapshot of your financial health across cash flow, emergency reserves, debt, insurance, retirement, taxes, and other key priorities—all in one guided checkup.
Available
Taxes & Compensation
Withholding Safe Harbor Check
Find out whether your federal withholding is on track for safe harbor — and estimate what additional withholding may still be needed before year-end.
Available
Cash Flow
Emergency Fund Target
Build a practical emergency reserve range around your essential expenses, income stability, household obligations, and financial risks.
Not sure which tool you need?
Find what deserves your attention first.
The FMB Financial Checkup reviews the big picture so you can focus your time and energy on the areas that matter most.
- Cash reserves
- Retirement
- Debt
- Taxes
- Insurance
- Estate planning
The FMB Decision Framework
The numbers aren’t the whole decision.
A calculator gives you a baseline. FMB helps you understand the tradeoffs, context, and assumptions behind it.
The numbers
Run the calculation to see your baseline and key scenarios.
The tradeoffs
Compare the upside, downside, and what each option gives up.
The context
Factor in taxes, risk, timing, goals, and your personal situation.
The decision
Choose the path that best aligns with your goals and constraints.
Before You Calculate
Common Questions
Understand what the calculators can show, how to interpret the results, and when professional guidance may still be appropriate.
Are these calculators financial advice?
No. FMB tools provide educational estimates based on the information and assumptions you enter. They do not account for every personal, tax, legal, insurance, or investment consideration.
Worth a Closer Look
Learn before or after you calculate.
Use the related FMB analysis to understand the reasoning, assumptions, and tradeoffs behind the number.
Evidence Over Opinion
Sources We Rely On
We use reputable primary sources, regulatory guidance, research, and established financial institutions so you can verify the facts behind our tools and analysis.
Charles Schwab
Federal Reserve
Fidelity
Vanguard
Internal Revenue Service
Securities and Exchange Commission