TALLIVOThe money tools you Google for — faster, and free.
Mortgage, paycheck, taxes, debt, investing, crypto. Real-time, mobile-first, and we show our math. No signup, no paywall.
Mortgage Calculator
Full PITI payment, amortization, and payoff — with taxes, insurance, PMI, and HOA.
Closing Cost Calculator
Add up your Loan Estimate and see which fees you can actually shop for — no invented averages.
Discount Points Calculator
What buying down your rate costs, when it pays for itself, and whether you'll hold the loan that long.
PMI Calculator
When private mortgage insurance actually drops off, and what it costs you before it does.
Paycheck Calculator
Take-home pay after federal, FICA, and state tax — with pre-tax deductions.
Salary to Hourly Calculator
Convert annual pay to a true hourly rate and back — with overtime and real weeks worked.
Self-Employment Tax Calculator
Schedule SE on your net profit, what a day job does to it, and what to set aside each quarter.
Bonus Tax Calculator
What a bonus actually pays after the flat 22% withholding — and why that is not your real tax.
Lottery Tax Calculator
What a jackpot actually pays — lump sum vs. annuity, federal brackets, and your state.
Income Tax Calculator
Federal brackets by filing status → tax owed, effective and marginal rates.
Loan & Auto Calculator
Amortize any loan; auto mode adds sales tax, fees, and trade-in rollover.
Debt Payoff Calculator
Snowball vs. avalanche, side by side — payoff date and total interest saved.
401(k) Calculator
Balance at retirement with employer match, salary growth, and the IRS contribution limit.
Capital Gains Tax Calculator
Federal tax on a stock sale — short vs. long term, the 0% bracket, and the 3.8% NIIT.
Investment Backtest
What the S&P 500 actually returned since 1871 — real, with dividends, including every crash.
Roth vs Traditional Calculator
After tax, not the balance — at the same tax rate the two are mathematically identical.
FIRE Calculator
When work becomes optional — and whether the 4% rule actually held, tested since 1871.
Inflation Calculator
What money was worth in any year since 1871 — both directions, on the CPI record.
Compound Interest Calculator
Project investment growth with recurring contributions and a year-by-year chart.
Dividend / DRIP Calculator
Reinvest dividends, grow your share count, and track yield on cost over time.
Crypto Income Tax Calculator
Staking, mining and airdrops — ordinary income on arrival, and the basis it creates.
Crypto Tax-Loss Harvesting Calculator
No 30-day wash-sale rule on property — what a realised loss saves, and defers.
Crypto Tax Calculator
Short- vs. long-term gains with FIFO / LIFO / HIFO cost-basis methods.
Crypto Investing Calculator
Project a forward position with staking APY and bear / base / bull scenarios.
Accuracy is the product.
Every calculator is built on a documented formula and, where tax or rate data is involved, cited public sources with the tax year stamped in plain sight. No accounts, no data harvesting — the tools are static, load instantly, and work the same on your phone as on a desktop.
Tallivo provides general informational estimates only and does not constitute financial, tax, or legal advice. Ticker market data is delayed and shown for context only — not a quote feed. Consult a licensed professional before making decisions.