Institutional Level Tools for
Everyday Investors
Advance your financial future with a platform that delivers professional resources, including debt planning, retirement forecasts, real time market intelligence, and essential economic analysis.
Debt Payoff
Eliminate debt faster with optimized payment strategies
Retirement
Model multiple scenarios and track your progress
Market Breadth LIVE
Real-time S&P 500 participation analysis
Economy DAILY
Track GDP, employment, inflation & markets
100% Free Forever
No premium tiers, paywalls, or hidden costs
Open-Source Transparency
Verify every formula and data source on GitHub
Your Data Stays Private
All calculations run locally in your browser
Real-Time Market Data
Live updates every 15 minutes during market hours
Help Us Build Better Tools
We believe financial tools should be accessible to everyone, not just institutions. Join our mission by contributing code, requesting features, or submitting ideas.
Free Financial Calculators for
Debt, Retirement, Markets, and Economy
Dean Financials provides free financial calculators and real-time market dashboards to help you make confident money decisions. Whether you're paying off credit card debt, planning retirement savings, analyzing S&P 500 market breadth, or tracking Federal Reserve economic data, our platform delivers the insights you need with complete privacy and no account required.
Free Debt Payoff Calculators
Take control of your debt with our free calculator suite. The Debt Payoff Calculator compares the debt avalanche method versus the snowball method, showing your exact payoff date and total interest savings. Our Credit Card Payoff Calculator reveals the true cost of minimum payments and shows how extra payments can save you thousands in interest charges over time.
The Mortgage Calculator estimates your complete monthly payment including principal, interest, property taxes, homeowners insurance, PMI, and HOA fees, with automatic PMI removal at 20% equity and interactive equity growth charts. Use our Loan Amortization Calculator for auto loans, personal loans, and student loans with detailed principal versus interest breakdowns. The DTI Calculator helps you understand your borrowing capacity and mortgage eligibility, essential for home buyers and anyone improving their financial health. All calculations run privately in your browser.
Free Retirement Calculators and Withdrawal Strategy Tools
Plan for a secure retirement with our free calculators that go beyond basic compound interest projections. The Retirement Savings Calculator lets you model multiple scenarios side by side, comparing conservative, moderate, and aggressive investment strategies to see how different contribution levels and expected returns impact your retirement nest egg. Account for inflation with real dollar projections so you know whether your savings will support your desired retirement lifestyle.
Maximize your retirement income with our Retirement Withdrawal Calculator, which compares the 4% rule, dynamic withdrawals, and fixed percentage strategies to help prevent portfolio depletion. Our 401(k) vs IRA Comparison Calculator analyzes employer match benefits, tax advantages, and contribution limits to optimize your retirement account strategy. The Social Security Benefits Calculator shows optimal claiming ages with lifetime benefit projections and break even analysis, helping you decide whether to claim at 62, full retirement age, or delay until 70 for maximum benefits. The RMD Calculator helps you determine Required Minimum Distributions from IRAs and 401(k)s with SECURE Act 2.0 rules, multi-year projections, and QCD optimization strategies.
S&P 500 Market Breadth and Technical Analysis Dashboards
Make informed investment decisions with real-time market intelligence. Our Market Breadth Dashboard tracks S&P 500 participation by monitoring how many stocks trade above key moving averages. When breadth exceeds 70%, it signals strong bull market participation; below 30% warns of potential market corrections. The Sector Rotation Dashboard reveals which of the 11 S&P 500 sectors are leading or lagging, helping you identify emerging sector trends and position for rotation patterns.
Manage portfolio risk with our VIX and Volatility Dashboard, which tracks the CBOE Volatility Index, implied volatility across major indices and sectors, and options market data to help you adjust position sizing during volatile periods. The Mean Reversion Dashboard analyzes SPY, QQQ, and IWM distance from 20 day, 50 day, and 200 day moving averages with historical percentile rankings, perfect for identifying overbought and oversold conditions. The Earnings Sentiment Dashboard provides a rolling 30 day S&P 500 earnings calendar with EPS surprises, analyst recommendations, and sector beat rates. All dashboards update during market hours with historical trend analysis.
Federal Reserve Economic Indicators and FRED Data Tracking
Monitor the macroeconomic environment with real-time Federal Reserve Economic Data (FRED). Our GDP and Growth Dashboard tracks gross domestic product, industrial production, manufacturing PMI, and capacity utilization to gauge economic expansion cycles and identify recession risks early. The Employment Dashboard monitors the unemployment rate, JOLTS job openings, initial jobless claims, and labor force participation, providing critical indicators for understanding employment health and wage pressure.
Track inflation trends with our CPI and Inflation Dashboard, covering Consumer Price Index, PCE (the Fed's preferred inflation gauge), Producer Price Index, and import/export prices to anticipate Federal Reserve policy changes. The Interest Rates and Money Markets Dashboard analyzes the federal funds rate, Treasury yields across the curve, credit spreads, and monetary conditions to evaluate financial stress and liquidity. All economic data includes trend analysis, historical percentile rankings, and interactive charts to help investors understand the business cycle and position their portfolios accordingly.
Why Choose Dean Financials?
Unlike financial tools that require subscriptions, collect your personal data, or lock features behind paywalls, Dean Financials is built on principles of accessibility and privacy. All calculators are free to use, every calculation runs entirely in your browser so your financial data never touches our servers, and there is no account signup wall preventing you from getting started immediately.
We designed these tools for real people facing real financial decisions, not for institutions selling products. Whether you are a recent graduate tackling student loans, a mid-career professional maximizing 401(k) contributions, or an investor monitoring S&P 500 market breadth and Federal Reserve data, Dean Financials provides actionable insights without the complexity or cost of traditional financial planning software.
Powerful tools designed for action
Whether you are eliminating debt, planning for retirement, monitoring market conditions, or tracking economic indicators, take the next step with confidence.
Debt Management
Debt Payoff Calculator
Compare debt avalanche versus snowball strategies to eliminate debt faster and save thousands in interest.
Credit Card Payoff Calculator
See the true cost of minimum payments and how extra payments can save you money on credit card debt.
Loan Calculator
Calculate mortgage, auto, or student loan payments with detailed amortization schedules and interest breakdowns.
Mortgage Calculator
Complete mortgage payment calculator with PITI, PMI, HOA fees, equity tracking, and beautiful payment visualizations.
Debt-to-Income Ratio
Understand your borrowing capacity and mortgage eligibility with DTI ratio analysis and credit health insights.
Investment Tools
Net Worth Calculator
Track all assets and liabilities, get a financial health score, and compare to age-based benchmarks.
Compound Interest Calculator
Visualize investment growth with contributions, multiple compounding frequencies, Rule of 72, and year-by-year projections.
CD Calculator
Calculate CD returns, build CD ladders for balanced liquidity, compare terms, and estimate early withdrawal penalties.
Dividend Income Calculator
Calculate passive income from dividend stocks, model DRIP reinvestment, and assess dividend stability.
Roth Conversion Calculator
Analyze tax implications of converting traditional IRA to Roth, compare scenarios, and find your optimal conversion strategy.
Budget Tools
50/30/20 Budget Calculator
Apply the popular 50/30/20 budget rule and compare alternative frameworks to find your ideal spending balance.
Emergency Fund Calculator
Calculate your ideal emergency fund size based on your job stability, expenses, and personal risk factors.
Savings Goal Calculator
Calculate monthly savings needed for home down payments, vacations, and any financial goal.
Home Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment. Compare loan types.
Paycheck Calculator
Calculate your take-home pay after federal and state taxes, Social Security, Medicare, and other deductions.
Retirement Planning
Retirement Planner
Model multiple retirement scenarios with different contribution levels and investment strategies to reach your goals.
Withdrawal Strategy Calculator
Compare the 4% rule, dynamic withdrawals, and other strategies to ensure your retirement savings last.
401(k) vs IRA Comparison
Analyze employer match, tax advantages, and contribution limits to optimize your retirement account strategy.
Social Security Calculator
Determine optimal claiming age and lifetime benefit projections for Social Security retirement benefits.
RMD Calculator
Calculate Required Minimum Distributions from IRAs and 401(k)s with SECURE Act 2.0 rules and QCD strategies.
FIRE (Financial Independence Retire Early)
FIRE Calculator
Calculate your FIRE number, years to financial independence, stress test against historical crashes, and explore Lean, Fat, Coast, and Barista FIRE strategies.
Coast FIRE Calculator
Calculate when you can stop saving and let compound growth reach your FIRE number. Compare across multiple retirement ages.
Safe Withdrawal Rate
Master the 4% rule with Monte Carlo simulations, Trinity Study data, sequence of returns risk analysis, and dynamic withdrawal strategies.
Savings Rate Calculator
Your most important FIRE number. Calculate your savings rate, see the famous Years to FI chart, and compare against community benchmarks.
Financial Goals Tracker
Set, track, and achieve your financial independence milestones with progress visualization and timeline projections.
Market Intelligence
Market Snapshot
Real-time dashboard with S&P 500, Dow, Nasdaq, international markets, sectors, bonds, and commodities.
Market Breadth Dashboard
Track advances, declines, and S&P 500 participation to understand market health and trend strength.
Sector Rotation Dashboard
Monitor leadership shifts across the 11 S&P sectors and identify emerging trends in real-time.
Market Volatility Dashboard
Assess VIX levels, implied volatility across indices and sectors, and options market sentiment.
Mean Reversion Dashboard
Analyze SPY and QQQ distance from key SMAs with percentile rankings to identify overbought/oversold conditions.
S&P 100 Index Directory
Browse all 100 companies with search, filtering, and compare up to 5 companies side-by-side.
S&P 100 Growth Dashboard
Track revenue and EPS growth for S&P 100 companies with leaderboards, sector comparisons, and CAGR analysis.
Sector Fundamentals Dashboard
Deep-dive analysis of all 11 GICS sectors with growth trends, radar comparisons, and company breakdowns.
Earnings Sentiment Dashboard
Track S&P 500 earnings calendar with EPS surprises, analyst recommendations, and sector beat rates.
Economic Intelligence
GDP and Growth Dashboard
Track gross domestic product, industrial production, and manufacturing activity to gauge economic expansion and growth trends.
Labor and Employment Dashboard
Monitor unemployment rates, JOLTS job openings, and labor force participation to understand employment conditions.
CPI and Inflation Dashboard
Assess Consumer Price Index, Producer Price Index, and import prices to track inflation pressures in the economy.
Interest Rates and Money Markets Dashboard
Analyze the federal funds rate, Treasury yields, credit spreads, and monetary conditions to evaluate financial market health.
Market signals that inform your investment plan
Real-time S&P 500 market breadth, sector leadership, VIX volatility, and mean reversion diagnostics refreshed throughout the trading day.
Economic indicators that inform your financial plan
Federal Reserve economic data tracking GDP growth, unemployment, CPI inflation, and interest rates updated daily from FRED data sources.
Why choose Dean Financials for comprehensive financial planning?
Free, privacy-focused financial calculators covering debt payoff, retirement savings, S&P 500 market analysis, and Federal Reserve economic data, all without selling your information
100% Private and Secure
All calculations happen in your browser. Your financial data never leaves your device, and we never track, store, or sell your personal information. Your privacy is our priority.
Real-Time Market and Economic Data
Market breadth, sector rotation, volatility regime, and Federal Reserve economic indicators updated during market hours for timely, data-driven investment decisions.
No Account Required
Jump straight into planning. No signup walls, no credit card, no email verification, no paywalls. Start using all our debt, retirement, market, and economy tools immediately.
Advanced Scenario Modeling
Compare debt payoff strategies, retirement scenarios, and withdrawal methods side-by-side to optimize your financial strategy.
Actionable Insights and Visualizations
Clear charts, interactive visualizations, and expert analysis help you understand exactly what steps to take next, not just raw numbers and data.
Always Free Core Features
All 17 tools you see today will always remain free. We are building premium features for advanced users, but essential debt payoff, retirement savings, market analysis, and economic indicator tools will never be paywalled.
Common Questions
How is Dean Financials different from other financial calculators?
Unlike single-purpose calculators, Dean Financials is a comprehensive platform combining debt payoff calculators, retirement savings planning, real-time S&P 500 market intelligence, and Federal Reserve FRED economic data. All 17 tools work together to give you a complete financial picture, and all calculations run client-side in your browser for maximum privacy.
What is the best way to start using the tools?
Start with your most pressing financial goal. Tackling debt? Use the Debt Payoff Calculator or Credit Card Payoff Calculator. Planning retirement? Try the Retirement Planner or Social Security Calculator. For investors, check Market Breadth, Sector Rotation, and Economic Indicators. Read our insights articles for detailed guidance.
How accurate are the market breadth and economic indicators?
Our market breadth data updates during market hours using real S&P 500 constituent data, and our economic indicators pull directly from Federal Reserve FRED data sources. While past performance does not guarantee future results, breadth indicators and economic data have historically been reliable for assessing market participation, trend strength, and macroeconomic conditions.
Can I save my scenarios and come back later?
Currently, your debt scenarios, retirement plans, and other calculations are stored in your browser local storage, so they persist between visits on the same device. We are working on optional cloud sync for accessing your scenarios across devices while maintaining our privacy-first approach. Visit our FAQ page for more details.
Ready to take control of your finances?
All of our financial calculators are completely free to use with no sign-up required. Have questions or feedback? We would love to hear from you.