# Alvo

> Free financial calculators for FIRE, 2026 income tax estimates, retirement, mortgages, investing, and net worth — plus plain-language guides.

Alvo is a free financial calculator site. All tools run in the browser with shareable URLs and no signup.

## Key pages

- [Home](https://www.alvocalculators.com/): All calculators by category
- [Guides](https://www.alvocalculators.com/guides): Plain-language articles on FIRE, tax, mortgages, and investing
- [About](https://www.alvocalculators.com/about): About Alvo

## Calculators

- [FIRE Comparison Calculator](https://www.alvocalculators.com/fire-comparison-calculator): Compare Full FIRE, Lean FIRE, Barista FIRE, and Coast FIRE side by side with one set of inputs.
- [FIRE Calculator](https://www.alvocalculators.com/fire-calculator): Calculate your Financial Independence Retire Early (FIRE) number and target retirement age.
- [Coast FIRE Calculator](https://www.alvocalculators.com/coast-fire-calculator): Find how much you need today to coast to traditional retirement without saving more.
- [Lean FIRE Calculator](https://www.alvocalculators.com/lean-fire-calculator): Calculate your Lean FIRE number for a frugal early retirement lifestyle.
- [Barista FIRE Calculator](https://www.alvocalculators.com/barista-fire-calculator): Calculate your Barista FIRE number when part-time work covers part of your expenses.
- [Retirement Calculator](https://www.alvocalculators.com/retirement-calculator): Project your retirement savings and sustainable monthly withdrawal amount.
- [Compound Interest Calculator](https://www.alvocalculators.com/compound-interest-calculator): See how your money grows with compound interest and regular contributions.
- [Investment Growth Calculator](https://www.alvocalculators.com/investment-growth-calculator): Project how your investment portfolio grows with contributions and returns.
- [Savings Rate Calculator](https://www.alvocalculators.com/savings-rate-calculator): Calculate your savings rate and estimate years to financial independence.
- [Mortgage Calculator](https://www.alvocalculators.com/mortgage-calculator): Calculate monthly mortgage payments and total interest over the loan term.
- [Mortgage Payoff Calculator](https://www.alvocalculators.com/mortgage-payoff-calculator): See how extra payments shorten your mortgage and reduce total interest.
- [Mortgage Recast Calculator](https://www.alvocalculators.com/mortgage-recast-calculator): See how a lump-sum payment lowers your monthly mortgage payment after a recast.
- [Rent vs Buy Calculator](https://www.alvocalculators.com/rent-vs-buy-calculator): Compare owning vs renting with opportunity cost, standard selling costs, and year-by-year break-even projections.
- [Refinance Calculator](https://www.alvocalculators.com/refinance-calculator): Calculate break-even point and savings from refinancing your mortgage.
- [2026 Tax Estimator](https://www.alvocalculators.com/income-tax-calculator): Estimate 2026 federal and state income tax, FICA, credits, and after-tax income with detailed inputs.
- [Net Worth Calculator](https://www.alvocalculators.com/net-worth-calculator): Calculate your net worth by totaling assets and subtracting liabilities.

## Guides

- [What Is FIRE? Financial Independence, Retire Early Explained](https://www.alvocalculators.com/guides/what-is-fire): Learn what FIRE means, how the 4% rule works, and how to estimate your FI number before using a FIRE calculator.
- [The 4% Rule Explained: Safe Withdrawal Rate for Retirement](https://www.alvocalculators.com/guides/four-percent-rule): What the 4% rule means, where it came from, its limits in today's markets, and how to use safe withdrawal rates in FIRE and retirement planning.
- [Savings Rate: What It Is, How to Calculate It, and Why It Matters](https://www.alvocalculators.com/guides/savings-rate-guide): Learn how to calculate your savings rate, benchmark against FIRE targets, and see how raising your rate shortens the path to financial independence.
- [Compound Interest Explained: How Your Money Grows Over Time](https://www.alvocalculators.com/guides/compound-interest-explained): Learn how compound interest works, why time and contribution rate matter more than return chasing, and how to project long-term investment growth.
- [How 2026 Federal Income Tax Works: Brackets, FICA & Take-Home Pay](https://www.alvocalculators.com/guides/how-2026-federal-taxes-work): Understand 2026 federal tax brackets, standard deductions, FICA, and how marginal vs. effective rates affect your take-home pay — then estimate your own return.
- [Rent vs. Buy: How to Decide If You Should Buy a Home](https://www.alvocalculators.com/guides/rent-vs-buy-explained): Compare renting vs. buying a home with break-even analysis, opportunity cost, closing costs, and maintenance — and when each option makes financial sense.
- [How Mortgage Payments Work: Principal, Interest & Amortization](https://www.alvocalculators.com/guides/mortgage-payment-explained): Understand monthly mortgage payments, amortization schedules, PMI, escrow, and strategies to pay off your loan faster with less total interest.
- [How to Calculate Net Worth: Assets, Liabilities & Tracking](https://www.alvocalculators.com/guides/how-to-calculate-net-worth): Step-by-step guide to calculating net worth — what to include in assets and liabilities, how often to track it, and how net worth fits into financial planning.

## Optional

- [Sitemap](https://www.alvocalculators.com/sitemap.xml)
- [Robots](https://www.alvocalculators.com/robots.txt)