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MONEY MAP · 7 SLIDERS · 60 SECONDS · NO ACCOUNT

Money planning for life on a US visa.

Taxes, residency, retirement and leaving, with every number worked out. Free, no bank login, and your numbers stay on your device.

FOR YOU
Formulas cited · Checked against worked examples · Oct 2, 2026 · Your numbers never reach our servers
Your 7 numbers → your next moves
STAYS ON DEVICE
RANKED BY $ IMPACTMATH SHOWN84 TOOLS CHECKEDNO ACCOUNT
Age
Household income
Annual spending
Invested
Cash on hand
High-interest debt
401(k) contribution
Goal
FI at age
47
FI number
$1.50M
Cushion
1.8 mo
Score
75
Top step: Raise your savings rate by 5 points · 0.8 yrs sooner
Build my map →
ON A US VISA · YOUR STATUS, IN THE MATH

Start with the question your visa raises

All visa calculators →The visa shelf →
PLAN Moving back to India? →Residency days (183-day test) →H-1B / OPT take-home →FBAR & Form 8938 →PFIC on home funds →401(k) when you leave →Go home or stay →H-1B layoff runway →

Or start from a live number

Six numbers, already computed from yours. Open a card to go deeper.
FIRE NUMBER
28%
$1.50M
needed at a 4% withdrawal · you're 28% there
Open the calculator →
COMPOUND INTERESTby 65 · 3.9% real
$1.37M
Open the calculator →
TAKE-HOME PAY
$9k /mo
Net 74%401(k) 3%Federal 16%FICA 8%
Open the calculator →
SAVINGS RATE
46%
$51,600 a year toward the goal
13 yrs to FI at 3.9% real
Open the calculator →
HOME AFFORDABILITY
$536k
28/36 limits · 20% down · 7% / 30 yr → $3,381/mo with tax & insurance
$322kincome → price$750k
Open the calculator →
CREDIT CARD PAYOFF
23 months
$12,000 at 22% APR · $660/mo · vs 52 mo on minimums
Minimum
Avalanche
Open the calculator →
RECOMMENDED FOR YOU · 5 STEPS · 12 min0/5
Retire early
1. FIRE Calculator$1.50M
2. Retirement Calculator
3. Social Security Calculator
4. Withdrawal Strategy Planner
5. Roth Conversion Ladder
Start with FIRE Calculator →
PLAN · 4 STEPS · 9 min0/4
Buy a home
1. Home Affordability Calculator$536k
2. Mortgage Calculator$3,381/mo
3. Rent vs Buy Calculator
4. Down Payment Calculator
Start with Home Affordability Calculator →
PLAN · 4 STEPS · 7 min0/4
Get out of card debt
1. Credit Card Payoff Calculator23 mo
2. Balance Transfer Optimizer
3. Debt vs Invest Calculator
4. Emergency Fund Planner
Start with Credit Card Payoff Calculator →

Read the reasoning

The Library →The blog →
START HEREWhy Starting Early MattersRetirement · Volume 1: Retirement Planning FundamentalsOpen chapter 1 →Saved in this browser. Sign in to keep it on every device.For your goal: the Retirement shelf →
RETIREMENTRoth or traditional 401(k) if you might leave the US: the 29% lineA nonresident's traditional 401(k) payout is withheld at 30% by default; a qualified Roth payout owes the US nothing. Which bucket wins, computed at every payout tax rateNov 10, 2026 · 8 minINCOME1099 vs W-2: the same $100,000 is not the same payBilling $100,000 on a 1099 keeps $77,635; a $100,000 W-2 keeps $79,180 plus benefits. To match salary and an average health share with $3,000 of expenses, bill $114,856.Nov 10, 2026 · 7 minINCOMEBonus tax 2026: 22% withheld is not the rate you payBonuses are usually withheld at a flat 22%, but the tax is set by your bracket. A $20,000 bonus, computed at five salaries, and what the return settles.Oct 18, 2026 · 7 min

Browse by topic

84 live calculators · more each release
26
Retirement
FIRE · Withdrawals · Visa-holder
12
Tax
Brackets, 401(k), Roth, HSA
10
Investing
Returns, fees, allocation
07
Budget & saving
Emergency fund, savings, spending
07
Income
Take-home, raises, side income
06
Benchmarks
Net worth and savings by age
06
Debt & housing
Payoff plans, mortgage, home price
05
Insurance
Life, disability, health
05
NRI
Moving back, NRE/NRO, RNOR, property
Σ
The formula, always
Equation, worked example with your numbers, assumptions listed.
[1]
Primary sources, cited
IRS, Federal Reserve, BLS, Shiller. Dated and linked on every page.
0
Gates
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