DaveManuel.com · Financial Tools

Financial Tools and Calculators

Free retirement tools, calculators and live trackers built on official government data: look up any company's 401(k) plan, see what you take home from a paycheck in every state, what a dollar was worth in any year, and follow the national debt, tariffs and more.

22 tools in 4 sections

Retirement  ·  Calculators  ·  Live Data Trackers  ·  Other Tools

01Retirement

Contribution limits for retirement and savings accounts, and how real 401(k) plans compare: what employers put in, balances, fees and automatic enrollment.

United States
401(k) Plan LookupLook up any company's 401(k) plan: assets, what the employer puts in per worker, fees and automatic enrollment, from Department of Labor filings.
401(k) and IRA Contribution LimitsHow much you can put into a 401(k), IRA or SIMPLE plan this year, with catch-ups, a calculator and every year since 1975.
Social Security CalculatorYour Social Security benefit at every age from 62 to 70, the break-even age, spousal benefits and the earnings test.
Retirement Savings by AgeMedian and average retirement savings and net worth by age from the Federal Reserve, and where your own savings rank.
RMD CalculatorHow much you must withdraw from an IRA or 401(k) each year, when RMDs start and the rules for inherited accounts.
Canada
TFSA, RRSP and FHSA Contribution LimitsHow much you can put into a TFSA, RRSP or FHSA in Canada this year, with room calculators and every year since 1991.
United Kingdom
ISA and Pension Allowances (UK)The UK ISA and pension allowances this tax year, the April 2027 cash ISA change, and calculators for your own allowance and tax relief.

02Calculators

Work out your own numbers: take-home pay, mortgage payments, what a dollar was worth, how money compounds.

United States
Paycheck CalculatorTake-home pay in every state for 2026: federal and state income tax, Social Security, Medicare, state disability and paid leave deductions, and city taxes.
Mortgage CalculatorMonthly payment with taxes, insurance and PMI, extra payment savings and a full amortization schedule, with weekly Freddie Mac rates.
Inflation CalculatorWhat a dollar from any year is worth today, using Bureau of Labor Statistics consumer price data.
Renting vs Buying CalculatorWhether renting or buying a home costs less over the years you plan to stay.
Canada
Canadian Federal Tax Breakdown CalculatorHow the federal income tax you pay in Canada is spent, broken down by program.
Global
Compound Interest CalculatorHow much your money grows at a given interest rate over any number of years.

03Live Data Trackers

Pages that update themselves from government data: the national debt, who holds it, tariffs, sanctions, trade routes and more.

United States
United States Debt ClockThe national debt in real time, per person and per taxpayer.
Who Owns America's Debt?Every major foreign holder of US Treasury debt by country, with monthly changes and history since 2000, from Treasury data.
US Tariff Revenue TrackerHow much the US collects in tariffs, month by month and day by day, with duties by country and product.
Congressional Stock Trading TrackerEvery stock trade members of Congress disclose under the STOCK Act: the most active traders, the most-traded stocks and late filings.
Sanctions TrackerEvery person, company, ship and aircraft on the US Treasury OFAC sanctions list, with every addition and removal.
Is AI Raising Your Power Bill?Residential electricity prices in every state from EIA data, alongside where data centers are being built.
Canada
Is Canada Building Enough Homes?Housing starts against population growth since 1948, compared with the United States, Australia and the UK.
Global
Shipping Chokepoint MonitorDaily ship traffic through 28 chokepoints including the Strait of Hormuz, Suez Canal and Panama Canal, from IMF satellite data.

04Other Tools

World ClockLive local time in 392 cities around the world.

More data-driven features are on the Special Features page.