One paycheck is a snapshot. Plan the year.
The free Take-Home Pay Year Planner turns a single estimate into a paycheck-by-paycheck map of 2027 — including the dates when your take-home changes.
Your paycheck has a shape your budget can't see.
Weekly, every two weeks, twice a month, or once a month — pay never lands in 12 equal slices, but every budget pretends it does. Extra checks hide in some months. Take-home changes when caps hit mid-year. The dates drift; the bills don't. Planning by the month is planning blind.
See your actual year. ↓
What the planner reveals
- The checks when Social Security or a 401(k) cap changes your net pay
- Two earners on one household calendar
- Tax-advantage levers priced in per-check dollars
- Goals answered plainly: funded by when, or short by how much
- A withholding true-up estimate before filing season
Get the free Take-Home Pay Year Planner
See every 2027 paycheck before it lands — right here in your browser. The planner itself has no email gate, no account, no signup wall: download the free Year Planner as an Excel file, or run the planner above — fully working in your browser.
Uses the official 2027 Social Security wage base. Federal income-tax brackets and certain withholding and contribution limits remain estimates pending final government guidance. Your actual paycheck may differ.
Still planning 2026? Download the combined 2026–2027 edition.
Personal-use license included in the workbook. A projection, not payroll and not tax advice.
Want next year's edition?
Email is optional — join only if you want the refreshed Year Planner and occasional Figmetric emails. No spam, ever. Unsubscribe anytime.
Success! Now check your email to confirm your subscription.
Where do you stand?
Three questions — your age, household status, and gross income — and one honest comparison: your pay against the official U.S. medians for households like yours. Under a minute, and your numbers never leave your browser.
National medians: U.S. Census Bureau, Current Population Survey ASEC 2026 (2025 income).
What are you trying to figure out?
Pick your money question — straight to the numbers. No signup, about 30 seconds each.
Pay off debt
See your debt-free date and which payoff strategy gets you there fastest.
Run the numbers →Buy or refinance a home
Points, refis, rent vs buy — run the mortgage math before you decide.
Run the numbers →Understand my paycheck
Taxes, 401(k), overtime — see what actually hits your bank account.
Run the numbers →Grow my money
What your savings could become — and what waiting really costs.
Run the numbers →Decisions, decoded.
Big money choices hide behind small numbers. Figmetric makes the math visible — in under a minute.
Pick your decision
Thirteen calculators organized by the choice you're actually making — kill debt, buy a home, retire early.
Type your numbers
No signup, no account. Your numbers never leave your browser — type and get answers instantly.
See the answer
Side-by-side strategies, months and dollars, with the methodology shown so you can check the work.
Calculators
Thirteen free calculators, grouped by the decision you're trying to make. No signup — pick one and start typing.
Get out of debt
Avalanche vs Snowball
Compare avalanche vs snowball payoff strategies side by side — months, interest, and payoff order for each.
Run the numbers →Balance Transfer Analyzer
0% balance transfer or stay put? See the fee, interest avoided, and the payment needed to beat the promo clock.
Run the numbers →0% Promo Juggler
Juggling several 0% promos? One payment plan that clears every balance before the clocks run out.
Run the numbers →Debt vs Invest
Pay down debt or invest the extra cash? Compare net worth, interest paid, and the breakeven return.
Run the numbers →Investing & retirement
Compound Growth
What could your money grow to? Future value, year-by-year growth, and the true cost of waiting.
Run the numbers →Roth vs Traditional
Roth or Traditional retirement account? Compare after-tax values side by side at your tax rates.
Run the numbers →FIRE Number
Your FIRE number, years to financial independence, and projected FI date — from your spending and savings rate.
Run the numbers →Housing
Rent vs Buy
Renting or buying? Breakeven year, total costs, and equity built — side by side for your stay.
Run the numbers →Home Equity
How much equity do you have — and what could you borrow against it? LTV, 80% CLTV limits, HELOC estimates.
Run the numbers →Refinance Analyzer
Should you refinance? Monthly savings, breakeven point, and total interest over the years you'll stay.
Run the numbers →Mortgage Payoff
What extra mortgage payments do for you: months shaved off, interest saved, and your new payoff date.
Run the numbers →Loans & taxes
Guides
Plain-English explainers on the forces moving your money — then jump into the calculator that applies them.
How Bond Yields Affect You
How bond yields quietly set your mortgage rate, savings yield, and 401(k) bond value — the transmission chain in plain English.
Read the guide →Fed Rate Changes & Your Wallet
How Fed rate moves pass through to your credit card APR, HELOC payment, and savings yield.
Read the guide →Inflation, Plain English
Why inflation shrinks what each dollar buys — and how TIPS and I-bonds are designed.
Read the guide →Timely topics: Mortgage Points Breakeven · Pay Off $10,000 in Credit Card Debt · Is Overtime Taxed More?
Real math. Real money.
Illustrated example: $30,000 across three cards — $12,000 at 24.99%, $10,000 at 19.99%, $8,000 at 14.99% APR, each with a 2.5% minimum payment. Paying minimums only (71 months, $22,539 in interest) vs. minimums + $200/month aimed at the highest rate first (46 months, $13,026 in interest). Computed by the free calculator below — your numbers will differ.
Free, always
Every calculator is free. No paywalls, no trials, no "premium results."
No signup to calculate
Open a tool and start typing. Your numbers never leave your browser.
Shows its work
Every calculator includes a methodology note with its formulas and assumptions — so you can check the math.
Figmetric may earn a commission if you apply through sponsored links on this site, at no cost to you.
Stop guessing.
Start calculating.
In the illustrated example above, the difference between minimums and a plan is $9,513. Find out what your numbers say — free, in under a minute.
FAQ
Are the Figmetric calculators really free?
Yes. Every calculator is free to use with no account or signup. We may earn a commission if you apply for a product through a sponsored link, at no cost to you.
Is Figmetric financial advice?
No. Figmetric provides educational calculators only. This is not financial, tax, or legal advice. Results are simplified estimates — verify important decisions with a qualified professional.
How accurate are the calculators?
The calculators use standard financial math — amortization, compound interest, and payoff simulations — and each one includes a methodology note showing its formulas and assumptions. Treat results as planning estimates, not bank statements.
Do I need to sign up to use the calculators?
No. You never need an account to run a calculation. Email is optional: the free Take-Home Pay Year Planner runs right in your browser, and email only subscribes you to next year's edition and occasional Figmetric emails.