{ "name": "SplitGenius", "description": "182 free calculators for splitting, budgeting, and financial decisions", "baseUrl": "https://splitgeniusai.com", "toolCount": 182, "tools": [ { "name": "Fair Rent Split Calculator", "slug": "rent-split-calculator", "url": "https://splitgeniusai.com/rent-split-calculator", "description": "Your roommate with the master suite shouldn't pay the same as the person in the closet-sized room. Split rent by square footage, features, and income — with a Fairness Score.", "category": "splitting", "keywords": [ "rent split calculator", "fair rent split", "roommate rent calculator", "split rent by room size", "rent splitting tool", "how to split rent fairly", "split rent calculator by room size", "split rent by square footage", "income based rent split", "rent split by income calculator", "free rent split calculator", "how to split rent with roommates", "fair way to split rent different rooms", "split rent 3 ways", "rent calculator roommates", "how much should each roommate pay", "rent split by bedroom size" ], "inputDescription": "Equal rent splits are only fair when rooms are identical — and they almost never are. This calculator weighs square footage, private bathrooms, balconies, natural light, and closet space to find what each room is actually worth. Choose from 4 methods (equal, sq ft, income-based, hybrid) and get a Fairness Score that settles the argument with data, not opinions.", "exampleUrl": "https://splitgeniusai.com/rent-split-calculator" }, { "name": "Bill Split Calculator", "slug": "bill-split-calculator", "url": "https://splitgeniusai.com/bill-split-calculator", "description": "The person who ordered a salad shouldn't subsidize the steak. Split restaurant bills by item, calculate each person's tax and tip share, and settle up fast.", "category": "splitting", "keywords": [ "bill split calculator", "split the bill", "restaurant bill calculator", "tip calculator", "group expense splitter", "split bill evenly calculator", "split dinner bill calculator", "how to split a restaurant bill", "bill splitting app free", "split bill by item calculator", "split check calculator", "divide bill among friends", "split restaurant bill different amounts", "free bill split calculator online", "group dinner bill calculator" ], "inputDescription": "Splitting a $186 dinner bill equally when your friend ordered the lobster and you got a $14 pasta is a donation, not a split. This calculator lets you assign dishes to each person, then proportionally divides tax and tip so nobody overpays. Works for equal splits too — but you deserve the option.", "exampleUrl": "https://splitgeniusai.com/bill-split-calculator" }, { "name": "Trip Expense Splitter", "slug": "trip-expense-splitter", "url": "https://splitgeniusai.com/trip-expense-splitter", "description": "After a group trip, someone always overpaid and someone always \"forgot.\" Track every expense, see who owes whom, and settle up in the fewest payments possible.", "category": "splitting", "keywords": [ "trip expense splitter", "travel expense calculator", "group trip costs", "vacation expense tracker", "splitwise alternative" ], "inputDescription": "A 5-person trip generates 10+ potential IOUs. Instead of a dozen Venmo requests, log who paid for what and who benefited. The algorithm collapses all debts into 3-4 optimized payments — the mathematical minimum to make everyone whole.", "exampleUrl": "https://splitgeniusai.com/trip-expense-splitter" }, { "name": "Rent Affordability Calculator", "slug": "affordability-calculator", "url": "https://splitgeniusai.com/affordability-calculator", "description": "The 30% rule says you can afford $1,500/mo on a $60K salary. Factor in student loans and your real number drops to $1,100. Get your actual budget.", "category": "seo-magnets", "keywords": [ "rent affordability calculator", "how much rent can I afford", "rent budget calculator", "30 percent rule rent", "rent to income ratio", "can I afford this apartment", "30 percent rule rent calculator", "rent budget calculator free", "how much rent can I afford on my salary", "apartment affordability calculator", "rent I can afford calculator", "rent to income calculator", "what rent can I afford", "free rent affordability tool", "income to rent calculator" ], "inputDescription": "The 30% rule is a starting point, not gospel — especially if you live in SF, NYC, or anywhere with a cost-of-living index above 150. This calculator adjusts for your actual debt load and city, then gives you three tiers: safe (25%), comfortable (30%), and stretch (35%). Know your real number before you start apartment hunting.", "exampleUrl": "https://splitgeniusai.com/affordability-calculator" }, { "name": "Rent vs Buy Calculator", "slug": "rent-vs-buy-calculator", "url": "https://splitgeniusai.com/rent-vs-buy-calculator", "description": "At 7% mortgage rates, buying isn't automatically smarter than renting. Compare true costs over 1-30 years including equity, taxes, maintenance, and opportunity cost.", "category": "financial", "keywords": [ "rent vs buy calculator", "renting vs buying", "should I buy a house", "rent or buy comparison", "home buying calculator", "break even renting vs buying" ], "inputDescription": "\"You're throwing money away on rent\" is the most repeated bad advice in personal finance. At today's mortgage rates, buying breaks even after 5-7 years in most markets. This calculator compares total costs year by year — mortgage, taxes, maintenance, and appreciation vs. rent increases and investment returns on your would-be down payment.", "exampleUrl": "https://splitgeniusai.com/rent-vs-buy-calculator" }, { "name": "Move-In Cost Calculator", "slug": "move-in-cost-calculator", "url": "https://splitgeniusai.com/move-in-cost-calculator", "description": "First month, last month, security deposit, broker fee — moving into a $1,500/mo apartment can cost $6,000+ upfront. See your real total before you sign.", "category": "seo-magnets", "keywords": [ "move in cost calculator", "first apartment costs", "apartment move in expenses", "how much to move into apartment", "security deposit first last month", "moving cost estimator" ], "inputDescription": "Nobody budgets enough for move-in day. A $1,800/mo apartment in NYC can require $8,000+ upfront once you add first month, security deposit, broker fee (15% of annual rent), movers, furniture, and utility setup. This calculator totals every cost — then shows how roommates cut the per-person hit by 30-50%.", "exampleUrl": "https://splitgeniusai.com/move-in-cost-calculator" }, { "name": "Roommate Betrayal Calculator", "slug": "roommate-betrayal-calculator", "url": "https://splitgeniusai.com/roommate-betrayal-calculator", "description": "Paying $1,200/mo for the small room while your roommate pays $1,200 for the master suite with an en-suite bathroom? Get your Betrayal Score and the receipts.", "category": "pain-point", "keywords": [ "roommate betrayal", "unfair rent split", "roommate overpaying", "rent unfair calculator", "am i overpaying rent", "roommate unfair rent", "is my rent split fair", "roommate screwing me over", "unfair rent split calculator", "rent fairness checker", "is my roommate overcharging me", "how to know if rent split is fair", "roommate rent rip off calculator" ], "inputDescription": "That \"even split\" your roommate proposed isn't even if the rooms aren't equal. Plug in room sizes and features, and this calculator scores your betrayal level from 0 (fair) to 100 (you're being robbed). Shows the exact dollar amount you're overpaying each month — shareable, so your roommate can see the math too.", "exampleUrl": "https://splitgeniusai.com/roommate-betrayal-calculator" }, { "name": "Rent Increase Calculator", "slug": "rent-increase-calculator", "url": "https://splitgeniusai.com/rent-increase-calculator", "description": "Got a rent increase notice? See if it's above average, check if it's legal in your state, and get data-backed negotiation points to push back with.", "category": "pain-point", "keywords": [ "rent increase calculator", "is my rent increase legal", "rent increase percentage", "how much can landlord raise rent", "rent control calculator", "negotiate rent increase" ], "inputDescription": "A 10% rent hike on a $2,000 apartment costs you $2,400 extra per year. Before you accept it, check if it's legal (rent-controlled areas cap increases at 3-10%), how it compares to inflation, and whether moving is actually cheaper. This calculator gives you the numbers and specific negotiation scripts.", "exampleUrl": "https://splitgeniusai.com/rent-increase-calculator" }, { "name": "Chore Split Calculator", "slug": "chore-split-calculator", "url": "https://splitgeniusai.com/chore-split-calculator", "description": "Scrubbing toilets and wiping counters aren't equal chores. Divide household tasks by effort, time, and gross factor — weighted by each person's available hours.", "category": "pain-point", "keywords": [ "chore split calculator", "fair chore chart", "roommate chores", "household chore division", "chore fairness", "how to split chores with roommates", "fair chore chart roommates", "chore division calculator", "household chore split", "roommate chore schedule", "fair way to divide chores", "chore allocation calculator", "who should do what chores", "chore fairness calculator" ], "inputDescription": "A \"fair\" 50/50 chore split isn't fair if one person works 60 hours a week and the other works 30. This calculator weighs each chore by time and unpleasantness (scrubbing the toilet scores higher than wiping counters), then distributes tasks based on everyone's actual availability. Get a Fairness Score and a schedule you can live with.", "exampleUrl": "https://splitgeniusai.com/chore-split-calculator" }, { "name": "Freeloading Index — Is Your Roommate a Freeloader?", "slug": "freeloading-index", "url": "https://splitgeniusai.com/freeloading-index", "description": "Your roommate pays half the rent but does zero chores. Score the imbalance from 0 (equal) to 100 (total freeloader) — with receipts.", "category": "pain-point", "keywords": [ "freeloading index", "is my roommate a freeloader", "roommate contribution calculator", "roommate fairness score", "who does more roommate", "roommate freeloader quiz", "household contribution calculator", "fair roommate split", "is my partner a freeloader", "shared living fairness", "roommate chore balance", "who contributes more calculator" ], "inputDescription": "Money isn't the only contribution. Someone doing 10 hours of weekly housework is contributing roughly $800/mo in unpaid labor at $20/hr. This calculator scores financial contributions (rent, utilities, groceries) AND household labor (cooking, cleaning, errands) to expose the real imbalance. Comes with a shareable verdict your roommate can't argue with.", "exampleUrl": "https://splitgeniusai.com/freeloading-index" }, { "name": "What's Your Splitter Type? — Money Personality Quiz", "slug": "splitter-type-quiz", "url": "https://splitgeniusai.com/splitter-type-quiz", "description": "7 real-life money scenarios reveal whether you're The Scorekeeper, The Ghost, The Diplomat, or The Mooch. Shareable results — challenge your roommates to take it.", "category": "pain-point", "keywords": [ "money personality quiz", "splitting personality test", "roommate compatibility quiz", "money type quiz", "how do you split bills quiz", "financial personality quiz", "splitter type quiz", "roommate money quiz", "bill splitting personality", "money habits quiz", "are you a mooch quiz", "spending personality quiz" ], "inputDescription": "Everyone has a default setting when the check arrives. This quiz uses 7 real-life scenarios — group dinners, shared Ubers, splitting rent — to identify your Splitter Type. Six possible results, each with strengths, blind spots, and compatibility ratings. Most Scorekeepers are paired with Ghosts, and it's exactly as painful as it sounds.", "exampleUrl": "https://splitgeniusai.com/splitter-type-quiz" }, { "name": "Renter Budget Calculator (50/30/20)", "slug": "renter-budget-calculator", "url": "https://splitgeniusai.com/renter-budget-calculator", "description": "On a $4,500/mo take-home, the 50/30/20 rule gives you $2,250 for needs, $1,350 for wants, and $900 for savings. See your exact breakdown — adjusted for rent.", "category": "seo-magnets", "keywords": [ "50 30 20 budget calculator", "renter budget calculator", "50/30/20 rule", "budget for renters", "monthly budget calculator", "how to budget rent" ], "inputDescription": "If your rent eats 40% of your income, the standard 50/30/20 budget is already broken. This calculator starts with your actual rent, then builds a realistic budget around it — showing exactly how much is left for groceries, transport, entertainment, and savings. Includes a roommate scenario that shows how splitting rent unlocks 15%+ more for savings.", "exampleUrl": "https://splitgeniusai.com/renter-budget-calculator" }, { "name": "Rent to Income Calculator (3x Rule)", "slug": "rent-to-income-calculator", "url": "https://splitgeniusai.com/rent-to-income-calculator", "description": "For a $2,000/mo apartment, landlords want $6,000/mo gross income (3x rule) or $80,000/yr (40x rule). Check if you qualify solo or with a co-applicant.", "category": "seo-magnets", "keywords": [ "rent to income calculator", "3x rent rule", "40x rent rule", "income needed for rent", "do I qualify for apartment", "rent income ratio calculator", "apartment income requirement" ], "inputDescription": "That dream apartment listing is useless if you don't clear the income requirement. Most landlords use the 3x monthly rule; NYC landlords use the stricter 40x annual rule ($2,500 rent = $100K salary). This calculator tells you instantly if you qualify, how much income you're short by, and whether combining incomes with a co-applicant gets you over the line.", "exampleUrl": "https://splitgeniusai.com/rent-to-income-calculator" }, { "name": "Net Effective Rent Calculator", "slug": "net-effective-rent-calculator", "url": "https://splitgeniusai.com/net-effective-rent-calculator", "description": "A $3,000/mo apartment with 2 months free actually costs $2,500/mo. Convert any concession package into the real monthly cost and compare up to 10 apartments.", "category": "financial", "keywords": [ "net effective rent calculator", "true rent with concessions", "free months rent calculator", "apartment concession calculator", "compare apartment deals", "effective rent" ], "inputDescription": "\"2 months free!\" sounds great until renewal hits at the full $3,000. Net effective rent strips away the marketing and shows you the true average monthly cost. Add up to 10 apartments with different concession packages and see them ranked by what you'll actually pay. The cheapest-looking deal isn't always the cheapest deal.", "exampleUrl": "https://splitgeniusai.com/net-effective-rent-calculator" }, { "name": "Grocery Split Calculator", "slug": "grocery-split-calculator", "url": "https://splitgeniusai.com/grocery-split-calculator", "description": "Splitting groceries 50/50 when your roommate eats out 5 nights a week is a bad deal for you. Split food costs by actual usage, diet type, and personal items.", "category": "splitting", "keywords": [ "grocery split calculator", "split groceries roommates", "fair grocery split", "household expense split", "roommate grocery costs", "food cost split" ], "inputDescription": "If you cook 14 meals a week at home and your roommate cooks 5, you're consuming 73% of shared groceries — not 50%. This calculator adjusts by meals at home, diet type (keto runs 20-30% more than vegetarian), and personal items. Household supplies like paper towels get split equally since everyone uses those.", "exampleUrl": "https://splitgeniusai.com/grocery-split-calculator" }, { "name": "Renters Insurance Calculator", "slug": "renters-insurance-calculator", "url": "https://splitgeniusai.com/renters-insurance-calculator", "description": "Renters insurance runs $15-30/mo for $30K in coverage. Estimate your premium, compare individual vs. joint roommate policies, and find the smarter option.", "category": "financial", "keywords": [ "renters insurance calculator", "renters insurance cost", "roommate renters insurance", "how much is renters insurance", "joint renters insurance", "renters insurance estimate" ], "inputDescription": "Most renters own $20K-30K worth of stuff and don't realize it until a pipe bursts. At $15-30/mo, renters insurance is the cheapest financial safety net you'll ever buy. This calculator estimates your premium based on coverage amount, deductible, and building type — then shows whether individual or joint policies make more sense for roommate situations.", "exampleUrl": "https://splitgeniusai.com/renters-insurance-calculator" }, { "name": "Roommate Savings Calculator", "slug": "roommate-savings-calculator", "url": "https://splitgeniusai.com/roommate-savings-calculator", "description": "The average roommate saves $700/mo — that's $120,000+ if invested over 10 years at market returns. See your exact savings and what they could grow into.", "category": "financial", "keywords": [ "roommate savings calculator", "how much save with roommate", "cost of living alone vs roommate", "roommate financial benefits", "save money with roommate", "solo vs roommate costs", "how much do you save with a roommate", "living alone vs roommate cost", "roommate savings per year", "is it worth getting a roommate", "money saved with roommate calculator", "cost of living alone vs shared", "roommate financial benefits calculator" ], "inputDescription": "Living alone feels like freedom until you run the numbers. This calculator shows your monthly savings across rent, utilities, groceries, and subscriptions — then projects what those savings become when invested. $700/mo at 7% average returns compounds to $120,000+ over a decade. Privacy has a price tag, and now you know exactly what it is.", "exampleUrl": "https://splitgeniusai.com/roommate-savings-calculator" }, { "name": "Roommate Cost Comparison", "slug": "roommate-cost-comparison", "url": "https://splitgeniusai.com/roommate-cost-comparison", "description": "Solo: $2,800/mo. One roommate: $1,700/mo. Two roommates: $1,200/mo. See the full cost breakdown for every scenario from 0 to 6 roommates.", "category": "financial", "keywords": [ "roommate cost comparison", "living alone vs roommates cost", "cost of living with roommates", "1 bedroom vs 2 bedroom cost", "roommate financial comparison" ], "inputDescription": "Going from solo to one roommate saves 30-40%. Adding a second roommate saves another 15-20%. After three, savings plateau and sanity costs rise. This calculator shows the full monthly cost for every scenario — rent, utilities, groceries, subscriptions — so you can decide exactly where your comfort-to-savings ratio peaks.", "exampleUrl": "https://splitgeniusai.com/roommate-cost-comparison" }, { "name": "Lease Break Cost Calculator", "slug": "lease-break-cost-calculator", "url": "https://splitgeniusai.com/lease-break-cost-calculator", "description": "Breaking a $2,000/mo lease can cost $4,000-8,000 in penalties and lost deposits. Calculate your total hit and compare to subletting or staying.", "category": "financial", "keywords": [ "lease break cost", "breaking a lease calculator", "early lease termination", "lease penalty calculator", "cost to break lease", "early termination fee calculator" ], "inputDescription": "Sometimes breaking a lease makes financial sense — and sometimes that $5,000 penalty is cheaper than 8 months of misery. This calculator totals every cost (termination fee, forfeited deposit, rent overlap) and compares it against subletting or just riding out the lease. Make the decision with real numbers, not gut feelings.", "exampleUrl": "https://splitgeniusai.com/lease-break-cost-calculator" }, { "name": "Prorated Rent Calculator", "slug": "prorated-rent-calculator", "url": "https://splitgeniusai.com/prorated-rent-calculator", "description": "Moving in on the 15th of a 30-day month at $1,800/mo rent? You owe $960, not the full month. Calculate your exact prorated amount for any move date.", "category": "seo-magnets", "keywords": [ "prorated rent calculator", "partial month rent", "prorated rent", "move in mid month rent", "daily rent rate", "how to prorate rent" ], "inputDescription": "Landlords sometimes \"forget\" to prorate and charge you a full month for 16 days. Your prorated rent is (monthly rent / days in month) x days occupied. This calculator handles both the standard 30-day method and actual calendar day method — and February prorations can differ by $25-50 between the two, so pick the one that favors you.", "exampleUrl": "https://splitgeniusai.com/prorated-rent-calculator" }, { "name": "Couple vs Roommate Rent Split Calculator", "slug": "couple-roommate-calculator", "url": "https://splitgeniusai.com/couple-roommate-calculator", "description": "Should a couple sharing one bedroom pay double? Per-person says yes ($1,600). Per-room says no ($800). The fair answer is somewhere in between.", "category": "splitting", "keywords": [ "couple roommate rent split", "couple vs single roommate rent", "how much should couple pay rent", "fair rent split couple", "two people one room rent", "how much should a couple pay in rent", "couple vs single roommate rent split", "fair rent when couple shares room", "two people one room rent calculator", "couple roommate fair rent", "should couples pay double rent", "rent split couple and single person", "per room vs per person rent" ], "inputDescription": "This is the rent split argument that ends friendships. A couple uses one bedroom but two people's worth of hot water, kitchen time, and living room space. Pure per-room ignores that; pure per-person overcharges them. The hybrid method splits private space by room and common areas by person — typically landing 15-25% above a single roommate's share. Fair, and defensible.", "exampleUrl": "https://splitgeniusai.com/couple-roommate-calculator" }, { "name": "Utility Bill Split Calculator", "slug": "utility-split-calculator", "url": "https://splitgeniusai.com/utility-split-calculator", "description": "Your roommate who works from home uses $30-60/mo more electricity than you. Split utilities by actual usage patterns, not a lazy 50/50.", "category": "splitting", "keywords": [ "utility bill split calculator", "split electricity bill roommates", "fair utility split", "usage based utility split", "roommate utility calculator", "electric bill split", "how to split utilities with roommates", "split electric bill roommates", "utility bill calculator roommates", "split water bill calculator", "split internet bill roommates", "usage based utility calculator", "how to fairly split electricity bill" ], "inputDescription": "Equal utility splits assume equal usage, and that's rarely true. The roommate with the space heater running 12 hours a day isn't using the same electricity as the one who's gone until 7pm. This calculator adjusts for WFH hours, room size, personal appliances, and usage patterns across electricity, gas, water, internet, and trash.", "exampleUrl": "https://splitgeniusai.com/utility-split-calculator" }, { "name": "Subscription Sharing Calculator", "slug": "subscription-split-calculator", "url": "https://splitgeniusai.com/subscription-split-calculator", "description": "Netflix Premium split 4 ways is $5.75/person vs. $16 individual — a 64% savings. Find the optimal plan for your household and see total monthly savings.", "category": "financial", "keywords": [ "subscription split calculator", "netflix split cost", "spotify family cost per person", "streaming service split", "share subscriptions calculator", "subscription sharing savings" ], "inputDescription": "Paying for individual Netflix, Spotify, and YouTube Premium costs $55/mo. Sharing family plans with 3 roommates drops it to $15/mo per person. This calculator compares individual vs. family plan pricing for every major service, recommends the optimal plan for your group size, and sets up a payment rotation so one person isn't always stuck managing it.", "exampleUrl": "https://splitgeniusai.com/subscription-split-calculator" }, { "name": "Tip Split Calculator", "slug": "tip-split-calculator", "url": "https://splitgeniusai.com/tip-split-calculator", "description": "20% tip on a $142 dinner split 6 ways is $28.40 each. Calculate the exact tip, split it by group size or by order, and round up for clean Venmo amounts.", "category": "splitting", "keywords": [ "tip split calculator", "tip calculator", "split tip", "tip per person", "restaurant tip calculator", "how much to tip", "tip splitter", "gratuity calculator", "tip calculator with bill split", "restaurant tip calculator per person", "tip on $100", "20 percent tip calculator", "free tip calculator online", "tip calculator for large groups", "how to calculate tip and split", "tipping calculator", "dinner tip calculator", "tip percentage calculator" ], "inputDescription": "Nobody wants to be the person squinting at their phone doing tip math at the table. Pick a tip percentage, set the group size, and get each person's share instantly — including their proportional tax and tip. The round-up option bumps everyone to clean dollar amounts so your Venmo requests don't look like $23.67.", "exampleUrl": "https://splitgeniusai.com/tip-split-calculator" }, { "name": "Party Food Calculator", "slug": "party-food-calculator", "url": "https://splitgeniusai.com/party-food-calculator", "description": "Hosting 30 people for a BBQ? You need 15 lbs of meat, 8 lbs of sides, and 60+ drinks. Get exact quantities, cost estimates, and split the grocery run.", "category": "splitting", "keywords": [ "party food calculator", "how much food for party", "party planner calculator", "food quantity calculator", "party cost calculator", "catering calculator", "event food planner" ], "inputDescription": "Every host either way over-buys or runs out of food by 9pm. This calculator gives you exact quantities for appetizers, mains, sides, drinks, and desserts based on guest count, event type, and duration. Budget $10-18/person for a BBQ, $15-25 for a dinner party. Split the grocery bill between contributors so the host doesn't eat the whole cost.", "exampleUrl": "https://splitgeniusai.com/party-food-calculator" }, { "name": "Vacation Cost Splitter", "slug": "vacation-cost-splitter", "url": "https://splitgeniusai.com/vacation-cost-splitter", "description": "Budget a group trip before anyone books anything. Assign flights, hotels, activities, and food to each traveler and see everyone's total cost upfront.", "category": "splitting", "keywords": [ "vacation cost splitter", "split vacation costs", "group trip cost calculator", "vacation budget planner", "travel expense split", "trip cost splitter", "holiday cost split" ], "inputDescription": "The worst part of a group trip is the money argument on day three. Kill it before departure. Add every expected cost — flights, hotel, car rental, activities, food — and assign who's sharing what. Not everyone does every excursion, so each person sees their real total. No surprises, no awkward Venmo chains afterward.", "exampleUrl": "https://splitgeniusai.com/vacation-cost-splitter" }, { "name": "Gas & Road Trip Split Calculator", "slug": "gas-trip-calculator", "url": "https://splitgeniusai.com/gas-trip-calculator", "description": "A 300-mile road trip at 25 MPG and $3.50/gal costs $42 in gas — $10.50 each for 4 passengers. Calculate fuel costs and split with optional driver discount.", "category": "splitting", "keywords": [ "gas split calculator", "road trip cost split", "gas cost calculator", "split gas money", "fuel cost split", "carpool cost calculator", "road trip gas calculator", "drive cost split" ], "inputDescription": "The driver's putting miles on their car, burning their gas, and dealing with traffic — they shouldn't pay the same as the passenger asleep in the back seat. This calculator figures the exact fuel cost from distance and MPG, adds tolls and parking, and offers a driver premium that reduces the driver's share to account for vehicle wear, insurance, and depreciation.", "exampleUrl": "https://splitgeniusai.com/gas-trip-calculator" }, { "name": "Wedding Cost Split Calculator", "slug": "wedding-cost-calculator", "url": "https://splitgeniusai.com/wedding-cost-calculator", "description": "The average U.S. wedding costs $33,000. Split expenses between families and the couple using traditional, modern 50/50, or income-based methods.", "category": "life-events", "keywords": [ "wedding cost split", "who pays for wedding", "wedding budget calculator", "split wedding expenses", "wedding cost breakdown", "wedding payment calculator", "bride groom family split", "how much does a wedding cost", "average wedding cost 2025", "wedding cost estimator", "wedding budget planner free", "wedding cost breakdown calculator", "how much should I spend on a wedding", "wedding budget by guest count", "free wedding cost calculator" ], "inputDescription": "Traditional etiquette says the bride's family covers the reception and the groom's family handles the rehearsal dinner. But 44% of modern couples now pay most of the bill themselves. This calculator splits wedding costs between three parties using traditional rules, equal thirds, income-proportional, or fully custom percentages — broken down by category so everyone knows exactly what they're covering.", "exampleUrl": "https://splitgeniusai.com/wedding-cost-calculator" }, { "name": "Debt-to-Income (DTI) Calculator for Renters", "slug": "dti-calculator", "url": "https://splitgeniusai.com/dti-calculator", "description": "Most landlords reject you above 40% DTI. Calculate your debt-to-income ratio, see max affordable rent at 36% and 43% thresholds, and know where you stand.", "category": "seo-magnets", "keywords": [ "dti calculator", "debt to income ratio calculator", "dti ratio", "debt to income for renters", "apartment qualification calculator", "how much rent can I afford dti", "rental dti requirements" ], "inputDescription": "If your monthly debts eat more than 36% of your gross income, most landlords will pass on your application. This calculator shows your current DTI, what happens when you add a target rent on top, and the maximum rent you can actually qualify for. Know your number before you waste time touring apartments you can't get approved for.", "exampleUrl": "https://splitgeniusai.com/dti-calculator" }, { "name": "Apartment True Cost Calculator", "slug": "apartment-true-cost-calculator", "url": "https://splitgeniusai.com/apartment-true-cost-calculator", "description": "That $1,500/mo apartment actually costs $2,200 when you add utilities, parking, commute, laundry, and fees. See the real number before you sign a lease.", "category": "seo-magnets", "keywords": [ "apartment true cost calculator", "real cost of apartment", "hidden apartment costs", "total rent cost calculator", "apartment cost comparison", "true cost of renting", "apartment budget calculator" ], "inputDescription": "Landlords advertise rent. They don't advertise the $150/mo parking, $80 internet, $40 laundry, $200 commute, and $25 pet fee that push your actual cost 30-60% higher. This calculator totals every hidden expense so you can compare apartments on what you'll actually spend each month — not the number on Zillow.", "exampleUrl": "https://splitgeniusai.com/apartment-true-cost-calculator" }, { "name": "Co-Parenting Expense Calculator", "slug": "coparenting-expense-calculator", "url": "https://splitgeniusai.com/coparenting-expense-calculator", "description": "Split child expenses between co-parents by income ratio, custody time, or a hybrid of both. Covers education, healthcare, childcare, activities, and clothing.", "category": "life-events", "keywords": [ "co-parenting expense calculator", "split child expenses", "child support calculator", "co-parent cost split", "shared parenting expenses", "custody expense split", "child expense tracker" ], "inputDescription": "Splitting 50/50 when one parent earns three times more isn't fair — it just feels simple. This calculator splits child expenses proportionally by income, by custody time, or a hybrid that weighs both. Plug in education, medical, childcare, and activity costs to get a clear number each parent owes, so the conversation stays about the kids and not the math.", "exampleUrl": "https://splitgeniusai.com/coparenting-expense-calculator" }, { "name": "Business Profit Split Calculator", "slug": "business-profit-split-calculator", "url": "https://splitgeniusai.com/business-profit-split-calculator", "description": "Your partner put in $100K but works 10 hours a week. You put in $20K and work 60. A 50/50 split isn't fair — calculate one that accounts for capital and time.", "category": "life-events", "keywords": [ "business profit split calculator", "equity split calculator", "partner profit share", "business partnership split", "founder equity calculator", "profit sharing calculator", "business equity split" ], "inputDescription": "Equal splits destroy partnerships when contributions aren't equal. This calculator weighs each partner's cash investment against their hours worked and generates splits using four methods — equal, capital-weighted, time-weighted, and hybrid. Run all four, show your partners, and pick the one nobody resents in year two.", "exampleUrl": "https://splitgeniusai.com/business-profit-split-calculator" }, { "name": "Nanny Share Cost Calculator", "slug": "nanny-share-calculator", "url": "https://splitgeniusai.com/nanny-share-calculator", "description": "A nanny share cuts childcare costs 25-40% per family. Calculate each family's share by number of children and see your annual savings vs. hiring solo.", "category": "life-events", "keywords": [ "nanny share calculator", "nanny share cost", "split nanny cost", "nanny share savings", "shared childcare calculator", "nanny share split", "childcare cost split" ], "inputDescription": "Full-time childcare runs $800+/week in most cities. A nanny share drops that to $275-500 per family while the nanny earns more per hour — everyone wins. This calculator splits the cost by number of kids per family (because watching three toddlers is harder than two) and shows your annual savings versus hiring your own nanny.", "exampleUrl": "https://splitgeniusai.com/nanny-share-calculator" }, { "name": "Security Deposit Split Calculator", "slug": "security-deposit-calculator", "url": "https://splitgeniusai.com/security-deposit-calculator", "description": "Split a security deposit between roommates at move-in, when someone leaves mid-lease, or at move-out. Handles damage deductions and pro-rata refunds.", "category": "splitting", "keywords": [ "security deposit split", "roommate deposit calculator", "split security deposit", "deposit refund calculator", "roommate deposit split", "security deposit roommates" ], "inputDescription": "The deposit drama always hits at move-out: one roommate left a hole in the wall, another moved in three months late, and the landlord is deducting $400 for carpet cleaning. This calculator sorts it out — proportional splits, damage attribution by room, and pro-rata adjustments for different move-in dates so nobody gets screwed.", "exampleUrl": "https://splitgeniusai.com/security-deposit-calculator" }, { "name": "Tax Refund Split Calculator", "slug": "tax-refund-split-calculator", "url": "https://splitgeniusai.com/tax-refund-split-calculator", "description": "Filed jointly and got a $4,200 refund? A 50/50 split isn't fair if one partner had $10K withheld and the other had $6K. See who earned what share.", "category": "tax", "keywords": [ "tax refund split calculator", "split tax refund couples", "joint tax refund split", "married filing jointly refund split", "how to split tax refund", "fair tax refund split" ], "inputDescription": "The partner who had more taxes withheld earned more of that refund — splitting it down the middle ignores that. This calculator divides your joint refund based on each person's income, withholding, and tax credits so you can see who actually generated the overpayment. Fair beats simple.", "exampleUrl": "https://splitgeniusai.com/tax-refund-split-calculator" }, { "name": "Paycheck Calculator (Take-Home Pay)", "slug": "paycheck-calculator", "url": "https://splitgeniusai.com/paycheck-calculator", "description": "On a $65K salary, you take home roughly $1,925 per biweekly paycheck after federal tax, FICA, and state tax. See your exact number for any salary.", "category": "tax", "keywords": [ "paycheck calculator", "take home pay calculator", "salary after taxes", "net pay calculator", "paycheck after taxes", "how much will my paycheck be", "salary to hourly calculator" ], "inputDescription": "Your salary is not your paycheck. A $75K salary becomes about $2,299 per biweekly check after federal tax, Social Security (6.2%), and Medicare (1.45%) eat their share. This calculator breaks down every deduction — including 401k and health insurance — so you know exactly what hits your bank account on payday.", "exampleUrl": "https://splitgeniusai.com/paycheck-calculator" }, { "name": "1099 Freelance Tax Calculator", "slug": "freelance-tax-calculator", "url": "https://splitgeniusai.com/freelance-tax-calculator", "description": "Freelancers owe 15.3% self-employment tax on top of income tax. Calculate your total tax burden, quarterly payments, and real take-home on 1099 income.", "category": "tax", "keywords": [ "1099 tax calculator", "freelance tax calculator", "self employment tax calculator", "quarterly tax calculator", "independent contractor tax", "gig worker tax calculator", "1099 quarterly payments" ], "inputDescription": "That $80K in 1099 income becomes about $60K after the IRS takes 15.3% self-employment tax plus federal income tax. Most new freelancers don't realize they owe both halves of FICA until they get the bill. This calculator shows your total tax hit, breaks out quarterly estimated payments, and factors in business deductions so you know what you actually keep.", "exampleUrl": "https://splitgeniusai.com/freelance-tax-calculator" }, { "name": "Home Office Deduction Calculator", "slug": "home-office-deduction-calculator", "url": "https://splitgeniusai.com/home-office-deduction-calculator", "description": "The simplified home office deduction maxes out at $1,500. The regular method could save you $3,000+. Compare both to see which saves you more.", "category": "tax", "keywords": [ "home office deduction calculator", "home office tax deduction", "work from home tax deduction", "home office deduction 2025", "simplified home office deduction", "home office with roommates tax" ], "inputDescription": "Most freelancers take the simplified deduction ($5/sqft, max $1,500) because it's easy — but the regular method often saves 2-3x more. A 150 sqft office in a $1,800/mo apartment deducts $3,263 under the regular method versus just $750 simplified. This calculator compares both side by side, including the roommate adjustment most people miss.", "exampleUrl": "https://splitgeniusai.com/home-office-deduction-calculator" }, { "name": "Startup Equity Split Calculator", "slug": "equity-split-calculator", "url": "https://splitgeniusai.com/equity-split-calculator", "description": "Score each co-founder on capital, time, experience, idea, and risk to calculate a fair equity split. Only 33% of startups split equally — most shouldn't.", "category": "life-events", "keywords": [ "equity split calculator", "co-founder equity split", "startup equity calculator", "founder equity split calculator", "how to split startup equity", "fair equity split", "cofounder equity calculator", "startup ownership calculator", "equity distribution calculator", "founder shares calculator", "startup equity split formula", "co-founder ownership split", "equity vesting calculator", "startup partnership equity" ], "inputDescription": "Defaulting to 50/50 because the equity conversation is uncomfortable is exactly how co-founder resentment starts. This calculator scores each founder across five dimensions — capital invested, time commitment, domain experience, IP contribution, and risk taken — then recommends a split backed by the math. Have this conversation now, with data, before you build anything.", "exampleUrl": "https://splitgeniusai.com/equity-split-calculator" }, { "name": "Commission Split Calculator", "slug": "commission-split-calculator", "url": "https://splitgeniusai.com/commission-split-calculator", "description": "On a $425K home sale at 5.5% commission with a 70/30 broker split, you take home $8,181. Calculate your exact cut for any sale price and split structure.", "category": "splitting", "keywords": [ "commission split calculator", "real estate commission split calculator", "commission calculator", "70/30 commission split calculator", "60/40 commission split calculator", "80/20 commission split calculator", "agent commission calculator", "broker commission split", "sales commission calculator", "real estate agent commission", "commission split formula", "how to calculate commission split", "listing agent commission split", "buyers agent commission" ], "inputDescription": "The commission math looks simple until you layer in the listing/buyer agent split, your broker's cut, and transaction fees. A $500K sale at 6% sounds like $30K — but after a 50/50 side split and a 70/30 broker split, you net $10,500. This calculator shows you the exact dollar amount that ends up in your account after every layer takes their share.", "exampleUrl": "https://splitgeniusai.com/commission-split-calculator" }, { "name": "Revenue Share Calculator", "slug": "revenue-share-calculator", "url": "https://splitgeniusai.com/revenue-share-calculator", "description": "YouTube pays creators 55%. Spotify pays ~70%. App stores take 30%. Calculate your exact revenue share with monthly and annual projections.", "category": "life-events", "keywords": [ "revenue share calculator", "revshare calculator", "revenue sharing calculator", "revenue split calculator", "revenue sharing agreement calculator", "affiliate revenue share", "creator revenue split", "SaaS revenue share", "music revenue split calculator", "royalty split calculator", "profit sharing vs revenue sharing", "gross vs net revenue split", "platform revenue share", "partnership revenue calculator" ], "inputDescription": "Splitting on gross revenue versus net can mean a 20-40% difference in your payout — and plenty of contracts bury that distinction. This calculator divides revenue between any number of partners on gross or net, shows monthly and annual projections, and makes it obvious whether you're getting a fair deal or subsidizing someone else's expenses.", "exampleUrl": "https://splitgeniusai.com/revenue-share-calculator" }, { "name": "Inheritance Split Calculator", "slug": "inheritance-split-calculator", "url": "https://splitgeniusai.com/inheritance-split-calculator", "description": "Divide an estate among heirs after debts and expenses. Supports equal, per stirpes, and custom splits — $850K estate with $85K in debts = $255K per heir.", "category": "life-events", "keywords": [ "inheritance split calculator", "estate distribution calculator", "how to divide inheritance", "inheritance calculator", "split inheritance among siblings", "per stirpes calculator", "estate split calculator", "divide estate fairly", "inheritance share calculator", "will distribution calculator", "fair inheritance split", "estate division calculator", "split inheritance between children", "how to split inheritance fairly" ], "inputDescription": "About 55% of Americans die without a will, which means state law decides who gets what. Whether there's a will or not, this calculator divides the estate after subtracting debts, funeral costs, and legal fees — then splits the remainder using equal, per stirpes, or custom percentages. Showing the math to family members prevents a lot of grief.", "exampleUrl": "https://splitgeniusai.com/inheritance-split-calculator" }, { "name": "Lottery Pool Split Calculator", "slug": "lottery-split-calculator", "url": "https://splitgeniusai.com/lottery-split-calculator", "description": "A $500M Powerball jackpot becomes about $13.75M per person in a 10-member pool after lump sum and taxes. See each member's real take-home before you celebrate.", "category": "splitting", "keywords": [ "lottery split calculator", "lottery pool calculator", "split lottery winnings", "group lottery calculator", "lottery winnings split calculator", "lottery pool payout calculator", "how to split lottery winnings", "lottery after taxes calculator", "powerball split calculator", "mega millions split calculator", "lottery group payout", "office lottery pool calculator", "lottery tax calculator", "jackpot split calculator" ], "inputDescription": "That billion-dollar headline jackpot? After the lump sum discount (roughly 50%) and federal plus state taxes (37%+ combined), your pool of 10 is splitting about $300M, not $1B. This calculator shows each member's actual net payout so nobody's expectations are off by a factor of three on the day that matters.", "exampleUrl": "https://splitgeniusai.com/lottery-split-calculator" }, { "name": "Ratio Split Calculator", "slug": "ratio-calculator", "url": "https://splitgeniusai.com/ratio-calculator", "description": "Divide any number by a ratio like 2:3:5 and get exact amounts. $15,000 in ratio 2:3:5 splits into $3,000, $4,500, and $7,500 — formula shown.", "category": "splitting", "keywords": [ "ratio calculator", "divide number in ratio", "split by ratio", "ratio splitter", "divide in ratio calculator", "split money by ratio", "ratio division calculator", "divide amount in ratio", "proportional split calculator", "ratio proportion calculator", "split 1000 in ratio", "divide by ratio online", "ratio allocation calculator", "share in given ratio", "distribute in ratio" ], "inputDescription": "Ratios show up everywhere — splitting investment returns, dividing project budgets, allocating resources between teams. This calculator takes any total and any ratio (up to 20 parts, decimals included) and gives you the exact dollar amounts with a step-by-step formula breakdown. No mental math, no rounding errors.", "exampleUrl": "https://splitgeniusai.com/ratio-calculator" }, { "name": "Percentage Split Calculator", "slug": "percentage-split-calculator", "url": "https://splitgeniusai.com/percentage-split-calculator", "description": "Split any dollar amount by custom percentages — 50/30/20, 70/30, or any custom split. Supports 2 to 20 shares with exact amounts and remainders.", "category": "splitting", "keywords": [ "percentage split calculator", "split amount by percentage", "divide by percentage", "percentage division calculator", "split money by percentage", "allocate by percentage", "percentage allocation calculator", "calculate percentage of amount", "split cost by percentage", "divide amount into percentages", "percentage share calculator", "budget percentage calculator", "revenue split by percentage", "custom percentage split" ], "inputDescription": "Revenue splits, budget allocations, partner payouts — any time you need to carve a number into specific percentage slices, this is the tool. It flags you if your percentages don't total 100%, shows the exact dollar amount for each share, and handles up to 20 parties. Faster and more reliable than a spreadsheet for one-off splits.", "exampleUrl": "https://splitgeniusai.com/percentage-split-calculator" }, { "name": "Uneven Bill Split Calculator", "slug": "uneven-split-calculator", "url": "https://splitgeniusai.com/uneven-split-calculator", "description": "Splitting a $240 dinner evenly when you had a salad? Stop subsidizing someone else's steak. Split by what each person actually ordered, with tax and tip distributed proportionally.", "category": "splitting", "keywords": [ "uneven split calculator", "split bill unevenly", "unequal bill split", "split bill different amounts", "unfair bill split calculator", "custom bill split", "split bill by what you ordered", "proportional bill split", "split restaurant bill unevenly", "divide bill unequally", "split check different amounts", "itemized bill split", "split bill by order", "fair split different orders" ], "inputDescription": "The person who ordered a $15 salad should not pay the same as the one who ordered a $60 steak and two cocktails. This calculator splits tax and tip proportionally based on what each person actually consumed — so the salad person pays 6.25% of the extras, not 25%. On a $300 dinner, that difference saves the light eater $8-15.", "exampleUrl": "https://splitgeniusai.com/uneven-split-calculator" }, { "name": "Time Split Calculator", "slug": "time-split-calculator", "url": "https://splitgeniusai.com/time-split-calculator", "description": "Most people spend 60% of their day on low-priority busywork. Split your 40-hour week by actual priority — critical items get 4x the time of low ones.", "category": "splitting", "keywords": [ "time split calculator", "split time between tasks", "time allocation calculator", "divide time calculator", "time management calculator", "how to split time between tasks", "time distribution calculator", "allocate hours calculator", "time blocking calculator", "task time calculator", "hours per task calculator", "daily time split", "weekly time allocation", "prioritize time calculator" ], "inputDescription": "If everything is a priority, nothing is. This calculator forces you to rank tasks and assigns time proportionally — a critical task in a 40-hour week gets 16 hours while a low-priority one gets 4. Most people discover they've been giving equal time to unequal work. The 60/25/15 rule (deep work, meetings, admin) is a good starting point, but your actual split should match your actual goals.", "exampleUrl": "https://splitgeniusai.com/time-split-calculator" }, { "name": "Workload Distribution Calculator", "slug": "workload-distribution-calculator", "url": "https://splitgeniusai.com/workload-distribution-calculator", "description": "Your top performer is at 95% utilization while two sit at 50%. Distribute tasks by capacity, spot burnout risk over 85%, and get a team balance score.", "category": "splitting", "keywords": [ "workload distribution calculator", "distribute workload evenly", "team workload calculator", "task distribution calculator", "workload balancing tool", "fair task assignment", "team capacity planner", "workload allocation calculator", "distribute tasks fairly", "team utilization calculator", "work distribution tool", "balance team workload", "resource allocation team", "prevent team burnout calculator" ], "inputDescription": "Equal task distribution ignores reality — a part-time team member and a full-timer should not get the same load. This calculator assigns work proportional to each person's available capacity and flags anyone above 85% utilization, where burnout starts. A 4-person team with 150 hours of capacity and 120 hours of work should land at 80% utilization each, not 100% for two people and 60% for the others.", "exampleUrl": "https://splitgeniusai.com/workload-distribution-calculator" }, { "name": "Project Hours Calculator", "slug": "project-hours-calculator", "url": "https://splitgeniusai.com/project-hours-calculator", "description": "A 200-hour project at $150/hr is not $30,000 — it is $39,375 after overhead and contingency. Break projects into phases with real rates.", "category": "splitting", "keywords": [ "project hours calculator", "split project hours", "project estimate calculator", "freelance project calculator", "project budget calculator", "hours per phase calculator", "project cost estimator", "agency project calculator", "project scope calculator", "estimate project hours", "project phase calculator", "freelance hours estimate", "project time estimate", "project overhead calculator" ], "inputDescription": "Most freelancers quote base hours and forget that 15-20% of every project is communication, revisions, and project management. Then the scope shifts and there's no contingency buffer. This calculator adds overhead (15%) and contingency (10%) on top of your phase estimates so you quote $39,375 instead of the $31,500 that would have you working for free by month three.", "exampleUrl": "https://splitgeniusai.com/project-hours-calculator" }, { "name": "Dataset Split Calculator", "slug": "dataset-split-calculator", "url": "https://splitgeniusai.com/dataset-split-calculator", "description": "Get exact sample counts for train, validation, and test sets. 50,000 samples at 80/10/10 = 40,000/5,000/5,000 — no rounding errors, no data leakage.", "category": "splitting", "keywords": [ "dataset split calculator", "train test split calculator", "train validation test split", "machine learning split calculator", "dataset partition calculator", "data split ratio calculator", "80 10 10 split calculator", "70 15 15 split", "stratified split calculator", "cross validation split", "train test split ratio", "ML dataset split", "data science split calculator", "training data split" ], "inputDescription": "The 80/10/10 split is standard, but it is wrong for small datasets — under 10,000 samples, go 70/15/15 so your validation set actually means something. For 1M+ samples, 98/1/1 works because even 1% gives you 10,000 test examples. This calculator gives exact sample counts for any ratio and dataset size, so you stop eyeballing and start getting reproducible splits.", "exampleUrl": "https://splitgeniusai.com/dataset-split-calculator" }, { "name": "Group Gift Calculator", "slug": "group-gift-calculator", "url": "https://splitgeniusai.com/group-gift-calculator", "description": "That $350 KitchenAid mixer plus wrapping and card is really $375. Split it 8 ways and each person owes $46.88 — not the $43.75 that forgets the extras.", "category": "splitting", "keywords": [ "group gift calculator", "split gift cost", "group present calculator", "office gift calculator", "split present cost", "group birthday gift split", "how much to chip in for gift", "gift contribution calculator", "wedding group gift calculator", "coworker gift split", "group gift collection calculator", "chip in calculator", "gift pool calculator", "split cost of present" ], "inputDescription": "Someone always forgets to include the wrapping, card, and shipping — then the organizer eats $20-30 in extras. This calculator factors in every cost before splitting. For office gifts, $10-25 per person is the norm. For weddings, $50-100. And if interns and executives are chipping in together, use the budget-proportional split so nobody feels pressured.", "exampleUrl": "https://splitgeniusai.com/group-gift-calculator" }, { "name": "Stock Split Calculator", "slug": "stock-split-calculator", "url": "https://splitgeniusai.com/stock-split-calculator", "description": "A 4:1 split turns your 50 shares at $340 into 200 shares at $85. Your $17,000 position stays at $17,000 — only the share count and price change.", "category": "financial", "keywords": [ "stock split calculator", "reverse stock split calculator", "stock split cost basis calculator", "stock split share calculator", "2 for 1 stock split calculator", "3 for 1 stock split calculator", "stock split price calculator", "how stock split works calculator", "reverse split calculator", "stock split ratio calculator", "share split calculator", "forward stock split calculator", "calculate shares after split" ], "inputDescription": "Stock splits change nothing about your investment's value — it is like cutting a pizza into more slices. But they do change your cost basis per share, which matters at tax time. If you bought at $300/share and there's a 3:1 split, your new cost basis is $100/share. This calculator handles forward splits, reverse splits, and updates your cost basis automatically.", "exampleUrl": "https://splitgeniusai.com/stock-split-calculator" }, { "name": "Macro Split Calculator", "slug": "macro-split-calculator", "url": "https://splitgeniusai.com/macro-split-calculator", "description": "On a 2,200-calorie cut, you need 220g protein, 165g carbs, and 73g fat daily. Get exact gram targets for cutting, bulking, keto, or custom splits.", "category": "splitting", "keywords": [ "macro split calculator", "macro calculator", "macronutrient calculator", "protein carb fat ratio calculator", "macro split for cutting", "macro split for bulking", "keto macro calculator", "how to split macros", "macro ratio calculator", "macro split bodybuilding", "daily macro calculator", "meal macro calculator", "iifym calculator", "flexible dieting macro calculator" ], "inputDescription": "\"Eat more protein\" is useless advice without a number. At 2,000 calories on a cut, 40/30/30 means exactly 200g protein, 150g carbs, and 67g fat — that is 50g protein per meal across 4 meals. Bulking? Flip to 30/50/20 and your carbs jump to 375g at 3,000 calories. This calculator gives you the actual grams so you can stop guessing and start hitting targets.", "exampleUrl": "https://splitgeniusai.com/macro-split-calculator" }, { "name": "Divorce Asset Split Calculator", "slug": "divorce-asset-split-calculator", "url": "https://splitgeniusai.com/divorce-asset-split-calculator", "description": "A $542,000 marital estate with $207,000 in debts leaves $335,000 to divide. See exactly how assets and debts split under your state's rules — 50/50 or equitable.", "category": "life-events", "keywords": [ "divorce asset split calculator", "divorce property division calculator", "marital asset split calculator", "divorce settlement calculator", "how to split assets in divorce", "property division divorce calculator", "equitable distribution calculator", "community property calculator", "divorce net worth calculator", "split house in divorce calculator", "divorce asset division", "marital property calculator", "fair divorce split calculator" ], "inputDescription": "Nine states split everything 50/50. The other 41 use equitable distribution, which means a judge decides what's \"fair\" based on income, marriage length, and contributions. Either way, you need to know what the numbers look like before you negotiate. This calculator separates marital from separate property, accounts for debts, and shows you the real dollar amounts for 50/50, 60/40, or custom splits.", "exampleUrl": "https://splitgeniusai.com/divorce-asset-split-calculator" }, { "name": "50/30/20 Budget Calculator", "slug": "50-30-20-budget-calculator", "url": "https://splitgeniusai.com/50-30-20-budget-calculator", "description": "On $5,200/month take-home, 50/30/20 gives you $2,600 for needs, $1,560 for wants, $1,040 for savings. If rent alone is $1,800, you have a problem.", "category": "financial", "keywords": [ "50/30/20 calculator", "50 30 20 rule calculator", "budget split calculator", "50/30/20 budget calculator", "budget rule calculator", "needs wants savings calculator", "income split calculator", "budget percentage calculator", "70/20/10 budget calculator", "80/20 budget calculator", "how to budget income", "budget allocation calculator", "paycheck budget calculator", "monthly budget split" ], "inputDescription": "The 50/30/20 rule was designed for average-cost cities. If you live in San Francisco or New York, your needs alone eat 60-70% of income — and that is okay, as long as you adjust the other buckets. This calculator shows dollar amounts for 50/30/20, 70/20/10, and 80/20 side by side so you can pick the framework that matches your actual cost of living instead of pretending rent is only half your paycheck.", "exampleUrl": "https://splitgeniusai.com/50-30-20-budget-calculator" }, { "name": "Pizza Party Calculator", "slug": "pizza-party-calculator", "url": "https://splitgeniusai.com/pizza-party-calculator", "description": "20 adults need 60 slices — that is 8 large pizzas, not the 5 you were going to order. Get the right count for any group size and total cost.", "category": "splitting", "keywords": [ "pizza party calculator", "how many pizzas to order", "pizza calculator for party", "how many pizzas for 20 people", "how many pizzas for 30 people", "pizza per person calculator", "pizza order calculator", "office pizza calculator", "how many pizzas do I need", "pizza slices per person", "party food pizza calculator", "pizza for a crowd calculator", "super bowl pizza calculator" ], "inputDescription": "The \"one pizza per 3 people\" rule falls apart fast. Adults average 3 slices, kids eat 1.5, and that one friend who always goes back for a fourth throws off your math. This calculator accounts for appetite level, pizza size, and mix of adults vs. kids — then shows total cost and per-person split. For 25 guests, you are looking at 9 large pizzas ($162 at $18 each), not the 7 that would leave people hungry.", "exampleUrl": "https://splitgeniusai.com/pizza-party-calculator" }, { "name": "Running Splits Calculator — Pace Per Mile & Per Km", "slug": "running-splits-calculator", "url": "https://splitgeniusai.com/running-splits-calculator", "description": "A 1:55 half marathon means 8:47/mile — but should you run 8:55 the first half and 8:39 the second? Get per-mile pacing for negative, even, and positive splits.", "category": "seo-magnets", "keywords": [ "running splits calculator", "pace calculator", "running pace per mile", "marathon split calculator", "negative splits running", "race pace calculator", "5k pace calculator", "half marathon splits", "running pace per km", "even split running", "marathon pacing strategy", "race split calculator" ], "inputDescription": "Most marathoners who start fast finish slow — positive splits are the fastest way to blow up your race. Negative splits (conservative start, strong finish) account for most distance running world records. This calculator breaks your goal time into per-mile and per-km targets for any strategy, so you know exactly what pace to hold at mile 8 of your half marathon instead of guessing.", "exampleUrl": "https://splitgeniusai.com/running-splits-calculator" }, { "name": "Parenting Time Calculator — Custody Percentage & Overnights", "slug": "parenting-time-calculator", "url": "https://splitgeniusai.com/parenting-time-calculator", "description": "Every-other-weekend plus one weeknight equals 104 overnights — a 71/29 split, not 50/50. See exact custody percentages for any schedule.", "category": "life-events", "keywords": [ "parenting time calculator", "custody percentage calculator", "custody overnights calculator", "child custody time split", "50/50 custody schedule", "60/40 custody calculator", "70/30 custody split", "80/20 custody percentage", "visitation time calculator", "custody days per month", "parenting schedule calculator", "joint custody time split" ], "inputDescription": "Courts calculate child support based on overnight counts, not vibes. Every-other-weekend is only 52 overnights per year (14%), and that directly affects your support obligation. This calculator converts any custody schedule — alternating weeks, 2-2-3 rotations, or custom arrangements — into exact overnight counts and percentages so you walk into mediation knowing your actual numbers.", "exampleUrl": "https://splitgeniusai.com/parenting-time-calculator" }, { "name": "Workout Split Planner — Weekly Training Schedule Generator", "slug": "workout-split-planner", "url": "https://splitgeniusai.com/workout-split-planner", "description": "Training 4 days a week? Upper/Lower beats a bro split for muscle growth. Get a science-backed plan for PPL, Upper/Lower, Full Body, or Bro Split.", "category": "seo-magnets", "keywords": [ "workout split planner", "workout split calculator", "best workout split", "PPL split", "push pull legs split", "upper lower split", "bro split", "training split generator", "5 day workout split", "4 day workout split", "3 day workout split", "6 day PPL split", "workout split for beginners", "hypertrophy training split" ], "inputDescription": "A bro split (one muscle group per day) only hits each muscle once a week. Research shows twice-per-week frequency produces better hypertrophy gains for most people. If you have 4 days, Upper/Lower beats a bro split. If you have 6, PPL gives you optimal frequency. This planner matches your available days and goals to the split that actually maximizes your results.", "exampleUrl": "https://splitgeniusai.com/workout-split-planner" }, { "name": "Fence Cost Split Calculator — Share Costs with Your Neighbor", "slug": "fence-cost-split-calculator", "url": "https://splitgeniusai.com/fence-cost-split-calculator", "description": "Split fence costs with your neighbor fairly. Cedar privacy fence runs $42/ft installed — see each person's share with gates, permits, and material costs included.", "category": "splitting", "keywords": [ "fence cost split calculator", "split fence cost with neighbor", "neighbor fence cost sharing", "shared fence cost calculator", "fence cost per foot calculator", "boundary fence cost split", "who pays for fence between neighbors", "fence cost estimator", "shared property fence cost", "fence replacement cost split", "neighbor fence agreement calculator", "fence cost breakdown" ], "inputDescription": "A 150-foot cedar fence costs around $6,300 installed, and your neighbor legally owes half in many states. Plug in your footage, material choice, gates, and permits to get a dollar-for-dollar breakdown you can text your neighbor before the contractor shows up. Supports 50/50, by-frontage, or custom splits when one side wants the upgrade.", "exampleUrl": "https://splitgeniusai.com/fence-cost-split-calculator" }, { "name": "A/B Test Calculator — Statistical Significance & Sample Size", "slug": "ab-test-calculator", "url": "https://splitgeniusai.com/ab-test-calculator", "description": "Find out if your A/B test has a real winner or just noise. Get the p-value, z-score, relative uplift, and minimum sample size for statistical significance.", "category": "seo-magnets", "keywords": [ "ab test calculator", "a/b test significance calculator", "statistical significance calculator", "ab test sample size calculator", "ab testing calculator", "split test calculator", "conversion rate significance", "ab test p-value calculator", "bayesian ab test calculator", "ab test duration calculator", "minimum sample size ab test", "z-test two proportions calculator" ], "inputDescription": "Most A/B tests get called too early. A 20% uplift on 500 visitors is almost certainly noise — you need roughly 3,800 visitors per variant to detect a 10% change at 95% confidence. Plug in your control and variant numbers to get the actual p-value and find out whether you have a winner or wishful thinking.", "exampleUrl": "https://splitgeniusai.com/ab-test-calculator" }, { "name": "Weighted Grade Calculator — Calculate Your Class Grade", "slug": "weighted-grade-calculator", "url": "https://splitgeniusai.com/weighted-grade-calculator", "description": "See your real weighted grade and exactly what final score you need to hit your target. Works for any class with weighted categories.", "category": "seo-magnets", "keywords": [ "weighted grade calculator", "grade calculator", "final grade calculator", "class grade calculator", "calculate my grade", "what do I need on my final", "weighted average calculator", "GPA calculator", "semester grade calculator", "test grade calculator", "assignment grade calculator", "grade percentage calculator" ], "inputDescription": "That 78% on your midterm worth 30% of your grade doesn't mean you have a 78%. Your actual weighted average depends on every category, and most students miscalculate it. Plug in your scores and weights to see where you really stand — and whether that A- is still mathematically possible before the final.", "exampleUrl": "https://splitgeniusai.com/weighted-grade-calculator" }, { "name": "Recipe Scaler Calculator — Scale Any Recipe Up or Down", "slug": "recipe-scaler-calculator", "url": "https://splitgeniusai.com/recipe-scaler-calculator", "description": "Scale any recipe to any serving size — doubling, halving, or feeding 37 people. Every ingredient adjusts proportionally with clean, usable measurements.", "category": "seo-magnets", "keywords": [ "recipe scaler", "recipe scaler calculator", "half recipe calculator", "double recipe calculator", "recipe converter", "scale recipe up", "recipe multiplier", "recipe serving calculator", "recipe portion calculator", "cooking calculator", "ingredient scaler", "recipe adjuster" ], "inputDescription": "Tripling a recipe is not just multiplying by 3 and hoping for the best — half a teaspoon becomes 1.5 teaspoons, and good luck eyeballing that. Punch in your ingredients and target servings to get clean, kitchen-friendly measurements. Handles the weird fractions so you can cook, not do arithmetic.", "exampleUrl": "https://splitgeniusai.com/recipe-scaler-calculator" }, { "name": "Paycheck Split Calculator — Allocate Your Pay Between Accounts", "slug": "paycheck-split-calculator", "url": "https://splitgeniusai.com/paycheck-split-calculator", "description": "Divide your paycheck across savings, checking, bills, and investments. See per-paycheck, monthly, and annual breakdowns by dollar amount or percentage.", "category": "financial", "keywords": [ "paycheck split calculator", "split paycheck between accounts", "paycheck allocation calculator", "direct deposit split calculator", "paycheck budget calculator", "how to split paycheck", "paycheck distribution calculator", "salary split calculator", "pay allocation planner", "paycheck savings calculator", "biweekly budget calculator", "paycheck breakdown calculator" ], "inputDescription": "If your entire paycheck hits checking and you \"save what's left,\" you save nothing. Automate the split: 60% bills, 20% savings, 15% investments, 5% emergency. Plug in your take-home pay and accounts to get the exact dollar amounts for each direct deposit — then set it and stop thinking about it.", "exampleUrl": "https://splitgeniusai.com/paycheck-split-calculator" }, { "name": "Debt Split Calculator — Divide Debt in Divorce or Breakup", "slug": "debt-split-calculator", "url": "https://splitgeniusai.com/debt-split-calculator", "description": "Split debt in a divorce or breakup — credit cards, loans, and mortgages. Divide equally, by account holder, or proportional to income with a clear breakdown.", "category": "life-events", "keywords": [ "debt split calculator", "split debt in divorce", "divide debt in divorce", "divorce debt calculator", "how to split debt fairly", "breakup debt split", "shared debt calculator", "marital debt division", "credit card debt split divorce", "who pays debt in divorce", "joint debt calculator", "debt division calculator" ], "inputDescription": "The average divorcing couple has $145,000 in combined debt, and who gets what depends on whether you are in a community property state or equitable distribution state. Enter every balance, tag who is on the account, and choose a division method. You get a printable breakdown — not a shouting match — to bring to your lawyer or mediator.", "exampleUrl": "https://splitgeniusai.com/debt-split-calculator" }, { "name": "Tournament Payout Calculator — Prize Pool Distribution", "slug": "tournament-payout-calculator", "url": "https://splitgeniusai.com/tournament-payout-calculator", "description": "Split a tournament prize pool across top finishers. Standard, top-heavy, flat, or custom structures for poker, esports, fantasy leagues, and any competition.", "category": "splitting", "keywords": [ "tournament payout calculator", "prize pool calculator", "prize pool split", "tournament prize distribution", "poker payout calculator", "esports prize calculator", "golf tournament payout", "tournament payout structure", "prize money calculator", "competition payout calculator", "fantasy league payout calculator", "payout structure generator" ], "inputDescription": "A $10,000 prize pool paying top 3 at standard rates: $5,000, $3,000, $2,000. But should you go top-heavy to make winning mean something, or flat to keep more players engaged? Pick your pool size, paid spots, and structure to see the exact payout for every position — no spreadsheet required.", "exampleUrl": "https://splitgeniusai.com/tournament-payout-calculator" }, { "name": "GPA Calculator — College & High School Grade Point Average", "slug": "gpa-calculator", "url": "https://splitgeniusai.com/gpa-calculator", "description": "Calculate your semester and cumulative GPA on a 4.0 scale. Enter courses, credit hours, and letter grades — see how this semester moves your overall standing.", "category": "seo-magnets", "keywords": [ "gpa calculator", "college gpa calculator", "grade point average calculator", "cumulative gpa calculator", "semester gpa calculator", "high school gpa calculator", "calculate my gpa", "gpa calculator 4.0 scale", "university gpa calculator", "weighted gpa calculator", "gpa checker", "current gpa calculator" ], "inputDescription": "A B+ in a 4-credit class matters twice as much as a B+ in a 2-credit class, and most students don't account for that. Enter your courses and grades to get your real GPA — then add your existing cumulative credits to see exactly how much this semester helps or hurts. Works on the standard 4.0 scale with plus/minus grades.", "exampleUrl": "https://splitgeniusai.com/gpa-calculator" }, { "name": "Tax Bracket Calculator — Federal Income Tax by Bracket", "slug": "tax-bracket-calculator", "url": "https://splitgeniusai.com/tax-bracket-calculator", "description": "See how your income is taxed across every 2026 federal bracket. Get your effective rate, marginal rate, total tax, and a dollar-by-dollar bracket breakdown.", "category": "financial", "keywords": [ "tax bracket calculator", "tax bracket calculator 2026", "federal tax calculator", "income tax calculator", "tax rate calculator", "effective tax rate calculator", "marginal tax rate calculator", "how much tax do I owe", "tax brackets 2026", "federal income tax brackets", "tax calculator by income", "tax estimator" ], "inputDescription": "Earning $100K does not mean you pay 22% on all of it — that is not how brackets work. Your first $11,925 is taxed at 10%, the next chunk at 12%, and only the dollars above $48,475 hit 22%. Your actual effective rate is closer to 17%. Plug in your income and filing status to see the real number.", "exampleUrl": "https://splitgeniusai.com/tax-bracket-calculator" }, { "name": "Savings Goal Calculator — How Long to Reach Your Target", "slug": "savings-goal-calculator", "url": "https://splitgeniusai.com/savings-goal-calculator", "description": "Find out how long to reach your savings goal and exactly how much to save monthly. Includes compound interest and a month-by-month growth timeline.", "category": "financial", "keywords": [ "savings goal calculator", "savings calculator", "how long to save", "compound interest calculator", "savings target calculator", "monthly savings calculator", "how much to save per month", "savings growth calculator", "investment growth calculator", "emergency fund calculator", "down payment savings calculator", "future value calculator" ], "inputDescription": "A $20,000 emergency fund at $500/month takes 37 months with a 4.5% HYSA — not 40 months, because compound interest does real work even on short timelines. Plug in your target, current balance, and contribution to see your exact hit date and how much interest earns for you along the way.", "exampleUrl": "https://splitgeniusai.com/savings-goal-calculator" }, { "name": "Portfolio Rebalance Calculator — Asset Allocation Optimizer", "slug": "portfolio-rebalance-calculator", "url": "https://splitgeniusai.com/portfolio-rebalance-calculator", "description": "Rebalance your portfolio to match your target allocation. See exactly how much to buy or sell of each asset, including how to deploy new cash optimally.", "category": "financial", "keywords": [ "portfolio rebalance calculator", "portfolio allocation calculator", "asset allocation calculator", "investment rebalance calculator", "portfolio rebalancing tool", "how to rebalance portfolio", "60/40 portfolio calculator", "three fund portfolio calculator", "target allocation calculator", "investment allocation tool", "etf rebalance calculator", "portfolio drift calculator" ], "inputDescription": "After a bull run, your 60/40 portfolio is probably 70/30 — and that extra risk is not intentional. Enter your current holdings, target percentages, and any new cash to invest. You get the exact dollar amounts to buy or sell for each position, prioritizing new contributions over selling to minimize tax drag.", "exampleUrl": "https://splitgeniusai.com/portfolio-rebalance-calculator" }, { "name": "Paint Calculator — How Much Paint Do I Need?", "slug": "paint-calculator", "url": "https://splitgeniusai.com/paint-calculator", "description": "Find out exactly how many gallons of paint you need. Enter room dimensions, windows, doors, and coats — get precise gallon counts with cost estimates.", "category": "seo-magnets", "keywords": [ "paint calculator", "how much paint do I need", "paint calculator by room size", "gallons of paint needed", "paint coverage calculator", "room paint calculator", "wall paint calculator", "interior paint calculator", "paint estimator", "how many gallons of paint", "paint cost calculator", "paint square footage calculator" ], "inputDescription": "A 12x12 room needs about 2 gallons for 2 coats after subtracting the door and window — not the 3 gallons the paint store will try to sell you. Enter your actual dimensions, openings, and coat count to get the right number. Add multiple rooms for a whole-house total with cost estimates.", "exampleUrl": "https://splitgeniusai.com/paint-calculator" }, { "name": "Compound Interest Calculator — See Your Money Grow", "slug": "compound-interest-calculator", "url": "https://splitgeniusai.com/compound-interest-calculator", "description": "See how your money grows with compound interest. Enter principal, monthly contributions, rate, and compounding frequency for year-by-year projections.", "category": "financial", "keywords": [ "compound interest calculator", "investment calculator", "compound interest formula", "savings growth calculator", "interest calculator", "how much will my savings grow", "compound interest calculator with monthly contributions", "money growth calculator", "investment return calculator", "compound interest over time", "savings calculator", "future value calculator" ], "inputDescription": "$500/month at 8% for 30 years becomes $745,180 — and $565,180 of that is pure interest. That is compound interest doing the heavy lifting. Plug in your numbers to see the year-by-year breakdown, and watch how the growth curve bends upward sharply after year 15 when compounding really kicks in.", "exampleUrl": "https://splitgeniusai.com/compound-interest-calculator" }, { "name": "Mortgage Calculator — Monthly Payment & Total Cost", "slug": "mortgage-calculator", "url": "https://splitgeniusai.com/mortgage-calculator", "description": "Calculate your full monthly mortgage payment — principal, interest, taxes, insurance, PMI, and HOA. Includes an amortization schedule and total cost.", "category": "financial", "keywords": [ "mortgage calculator", "mortgage payment calculator", "home loan calculator", "monthly mortgage payment", "how much house can I afford", "mortgage amortization calculator", "mortgage calculator with taxes and insurance", "mortgage calculator with PMI", "home buying calculator", "mortgage interest calculator", "house payment calculator", "mortgage calculator 2026" ], "inputDescription": "A $400,000 loan at 6.8% costs $2,607/month in principal and interest alone — add taxes and insurance and you are closer to $3,100. Most buyers only look at the sticker price. Enter your full details to see what you actually pay monthly, plus the $538K in total interest over 30 years that nobody mentions at the open house.", "exampleUrl": "https://splitgeniusai.com/mortgage-calculator" }, { "name": "Loan Payment Calculator — Monthly Payment & Amortization", "slug": "loan-payment-calculator", "url": "https://splitgeniusai.com/loan-payment-calculator", "description": "Calculate the monthly payment on any loan — auto, personal, or student. Add extra payments to see how much interest you save and how many months you cut off.", "category": "financial", "keywords": [ "loan payment calculator", "loan calculator", "loan amortization calculator", "monthly loan payment", "auto loan calculator", "personal loan calculator", "student loan calculator", "extra payment calculator", "loan payoff calculator", "loan interest calculator", "car payment calculator", "debt payoff calculator" ], "inputDescription": "A $25,000 car loan at 5.9% for 5 years costs $483/month and $3,999 in total interest. But throw an extra $50/month at it and you pay off 6 months early, saving $348. Enter your loan details to see the full amortization schedule and what extra payments actually do to your payoff date.", "exampleUrl": "https://splitgeniusai.com/loan-payment-calculator" }, { "name": "Hourly to Salary Calculator — Convert Pay Rates Instantly", "slug": "hourly-to-salary-calculator", "url": "https://splitgeniusai.com/hourly-to-salary-calculator", "description": "$28/hour is $58,240/year before taxes. Convert any hourly wage to annual salary or salary to hourly rate adjusted for your work hours and vacation.", "category": "financial", "keywords": [ "hourly to salary calculator", "salary to hourly calculator", "hourly rate to annual salary", "annual salary to hourly rate", "convert hourly to yearly", "how much is $20 an hour annually", "hourly wage calculator", "salary conversion calculator", "pay rate converter", "how much do I make a year", "hourly to annual salary", "wage calculator" ], "inputDescription": "Most people guess wrong on their own salary math. $20/hour sounds modest until you realize it is $41,600/year — or $38,000 if you get 2 weeks unpaid vacation. This calculator converts both directions (hourly to annual, annual to hourly) and adjusts for your real schedule, not the textbook 2,080 hours. See your pay broken down by hour, day, week, biweekly, and month.", "exampleUrl": "https://splitgeniusai.com/hourly-to-salary-calculator" }, { "name": "Inflation Calculator — Purchasing Power Over Time", "slug": "inflation-calculator", "url": "https://splitgeniusai.com/inflation-calculator", "description": "$100 in 1990 buys what $240 buys today. Track how inflation erodes your purchasing power using real US CPI data from 1913 to 2026.", "category": "financial", "keywords": [ "inflation calculator", "purchasing power calculator", "inflation rate calculator", "CPI calculator", "what was a dollar worth in", "money value over time", "inflation adjusted calculator", "cost of living calculator", "buying power calculator", "dollar value over time", "historical inflation calculator", "real value of money" ], "inputDescription": "Your parents' $50,000 salary in 1990 had the same buying power as $120,000 today. That is not nostalgia — it is math. This calculator uses real Bureau of Labor Statistics CPI data to show exactly what any dollar amount from any year is worth now, or project future purchasing power at custom rates. Prices have roughly doubled every 22 years since 1913.", "exampleUrl": "https://splitgeniusai.com/inflation-calculator" }, { "name": "Car Payment Calculator", "slug": "car-payment-calculator", "url": "https://splitgeniusai.com/car-payment-calculator", "description": "A $35,000 car at 6.5% APR for 60 months costs $685/month. Factor in your down payment, trade-in, and sales tax to see your real monthly auto loan payment.", "category": "financial", "keywords": [ "car payment calculator", "auto loan calculator", "car loan payment", "vehicle financing calculator", "monthly car payment", "auto loan interest", "car financing", "auto loan amortization", "car payment estimator", "vehicle loan calculator", "car buying calculator", "used car payment calculator" ], "inputDescription": "Dealers love quoting the sticker price and hiding the real monthly hit. A $35,000 car at 6.5% for 60 months is $685/month — but add 8% sales tax and skip the down payment and you are financing $37,800 with a $741/month payment. This calculator shows the honest number after trade-in, down payment, tax, and interest, plus how much of each payment goes to principal vs the bank's pocket.", "exampleUrl": "https://splitgeniusai.com/car-payment-calculator" }, { "name": "Credit Card Payoff Calculator", "slug": "credit-card-payoff-calculator", "url": "https://splitgeniusai.com/credit-card-payoff-calculator", "description": "A $5,000 balance at 22% APR with minimum payments takes 15+ years and costs $6,500 in interest. See your real payoff timeline and total cost.", "category": "financial", "keywords": [ "credit card payoff calculator", "debt payoff calculator", "credit card interest calculator", "how long to pay off credit card", "minimum payment calculator", "credit card debt calculator", "debt free calculator", "credit card payment calculator", "pay off credit card faster", "credit card balance calculator", "debt repayment calculator" ], "inputDescription": "Credit card companies designed minimum payments to keep you paying for decades. On a $5,000 balance at 22% APR, a $100 minimum payment puts $92 toward interest and $8 toward your actual debt. Bump to $200/month and you are free in 32 months instead of 15 years, saving $5,200 in interest. This calculator shows your exact debt-free date and what every extra dollar saves you.", "exampleUrl": "https://splitgeniusai.com/credit-card-payoff-calculator" }, { "name": "Retirement Calculator", "slug": "retirement-calculator", "url": "https://splitgeniusai.com/retirement-calculator", "description": "At 30 with $50K saved and $500/month contributions at 7% return, you will have $1.2M by 65. See if your retirement savings are on track or falling short.", "category": "financial", "keywords": [ "retirement calculator", "retirement savings calculator", "how much to retire", "401k calculator", "retirement planning calculator", "retirement income calculator", "savings for retirement", "retirement projection", "when can I retire", "retirement nest egg calculator", "early retirement calculator", "retirement age calculator" ], "inputDescription": "The median American has $87,000 saved for retirement. That funds roughly 2 years of expenses. If that number scares you, good — use it as motivation. This calculator projects your nest egg based on your age, savings rate, and expected returns, then tells you bluntly: are you on track, or do you need to save more? It also shows how long your money lasts using the 4% withdrawal rule.", "exampleUrl": "https://splitgeniusai.com/retirement-calculator" }, { "name": "ROI Calculator", "slug": "roi-calculator", "url": "https://splitgeniusai.com/roi-calculator", "description": "$10,000 invested that returns $15,000 in 3 years = 50% total ROI (14.5% annualized). Calculate returns for stocks, real estate, or any business decision.", "category": "financial", "keywords": [ "ROI calculator", "return on investment calculator", "investment return calculator", "annualized return calculator", "profit calculator", "payback period calculator", "investment ROI", "marketing ROI", "business ROI calculator", "net profit calculator", "investment performance calculator" ], "inputDescription": "A 50% return over 5 years and a 50% return over 1 year are wildly different investments, but people compare them like they are the same. Annualized ROI fixes that. This calculator gives you total ROI, annualized returns for fair comparisons, net profit, and payback period — so you can stack any investment against the S&P 500's 10.3% average and know if you are actually winning.", "exampleUrl": "https://splitgeniusai.com/roi-calculator" }, { "name": "Break-Even Calculator", "slug": "break-even-calculator", "url": "https://splitgeniusai.com/break-even-calculator", "description": "At $40/unit price with $15 variable cost and $10K fixed costs, you break even at 400 units. Find your break-even point for any product or business.", "category": "financial", "keywords": [ "break even calculator", "break even analysis", "break even point calculator", "contribution margin calculator", "cost volume profit analysis", "business break even", "startup break even", "pricing calculator", "profit analysis calculator", "safety margin calculator", "CVP analysis calculator" ], "inputDescription": "Every business idea sounds profitable until you do the break-even math. At $10,000/month in fixed costs, a $40 product with $15 variable cost needs 400 sales just to stop losing money. This calculator finds your break-even point in units and revenue, shows your contribution margin per sale, and tells you how far above break-even you need to be to survive a slow month.", "exampleUrl": "https://splitgeniusai.com/break-even-calculator" }, { "name": "Profit Sharing Calculator", "slug": "profit-sharing-calculator", "url": "https://splitgeniusai.com/profit-sharing-calculator", "description": "Split $100K in profit between partners by ownership %, hours worked, capital invested, or a weighted hybrid of all three factors.", "category": "splitting", "keywords": [ "profit sharing calculator", "business profit split", "partner profit distribution", "profit sharing formula", "business partner split", "profit allocation calculator", "partnership profit sharing", "split business profits", "profit distribution calculator", "business earnings split" ], "inputDescription": "Splitting profits 50/50 when one partner works 60 hours a week and the other works 20 is a recipe for resentment. Ownership percentage is only one way to divide earnings. This calculator supports four methods — ownership split, hours worked, capital invested, or a weighted hybrid — so partners can find a split that reflects who actually contributes what.", "exampleUrl": "https://splitgeniusai.com/profit-sharing-calculator" }, { "name": "Salary to Hourly Calculator", "slug": "salary-to-hourly-calculator", "url": "https://splitgeniusai.com/salary-to-hourly-calculator", "description": "A $60,000 salary = $28.85/hour (or $30/hour with 2 weeks vacation). Convert any salary to its true hourly rate with all pay period breakdowns.", "category": "financial", "keywords": [ "salary to hourly calculator", "convert salary to hourly", "annual salary to hourly rate", "salary hourly converter", "how much per hour", "yearly to hourly calculator", "salary breakdown calculator", "pay rate converter", "effective hourly rate calculator", "salary equivalent hourly" ], "inputDescription": "That $75,000 salary sounds solid until you divide by the 50+ hours you actually work each week — suddenly you are making $27/hour, less than some hourly workers with overtime. This calculator converts your salary to an honest hourly rate based on your real hours, not the standard 2,080. It also shows your effective rate after vacation time, plus daily, weekly, biweekly, and monthly breakdowns.", "exampleUrl": "https://splitgeniusai.com/salary-to-hourly-calculator" }, { "name": "Tip Pool Calculator", "slug": "tip-pool-calculator", "url": "https://splitgeniusai.com/tip-pool-calculator", "description": "Divide a $500 tip pool among staff by equal split, hours worked, or role-based points. See each person's share and per-hour tip rate.", "category": "splitting", "keywords": [ "tip pool calculator", "tip pooling calculator", "split tips between servers", "restaurant tip split", "tip distribution calculator", "server tip pool", "tip sharing calculator", "fair tip split", "tip out calculator", "bartender tip pool", "tip allocation calculator" ], "inputDescription": "Equal tip splits punish the server who worked a double. If 4 people share a $500 pool but one worked 8 hours and another worked 4, equal gives them $125 each — the 8-hour server earned $15.63/hr in tips while the 4-hour server made $31.25/hr. Hours-based splitting fixes that. This calculator supports equal, hours-based, and points-based methods so your team sees a fair breakdown.", "exampleUrl": "https://splitgeniusai.com/tip-pool-calculator" }, { "name": "Discount Calculator", "slug": "discount-calculator", "url": "https://splitgeniusai.com/discount-calculator", "description": "What do you actually pay after 30% off? A $90 jacket is $63 before tax, $68.04 after 8% tax. Free discount calculator for any % and tax rate in 2026.", "category": "financial", "keywords": [ "discount calculator", "sale price calculator", "percent off calculator", "discount percentage calculator", "how much is percent off", "savings calculator", "price after discount", "sale calculator", "markdown calculator", "coupon calculator", "percent discount calculator" ], "inputDescription": "That \"40% off\" sale is meaningless if you do not know the final number hitting your card. A $120 jacket at 40% off is $72 — but add 8.5% sales tax and you pay $78.12. This calculator gives you the exact total after any discount (percentage or fixed dollar), applies your local sales tax rate to the discounted price, and shows per-unit cost when buying multiples.", "exampleUrl": "https://splitgeniusai.com/discount-calculator" }, { "name": "Markup Calculator", "slug": "markup-calculator", "url": "https://splitgeniusai.com/markup-calculator", "description": "A $15 product with 100% markup sells for $30 — but that is only 50% margin. Convert between markup, margin, and selling price instantly.", "category": "financial", "keywords": [ "markup calculator", "markup percentage calculator", "selling price calculator", "profit margin calculator", "cost markup calculator", "retail markup calculator", "price markup", "markup vs margin calculator", "product pricing calculator", "wholesale markup calculator", "markup formula calculator" ], "inputDescription": "Most business owners confuse markup and margin, and it costs them money. A 50% markup is only a 33% margin — not the same thing. Price a product wrong and you either leave money on the table or price yourself out of the market. This calculator converts between markup percentage, profit margin, and selling price so you can set prices that actually hit your target profit.", "exampleUrl": "https://splitgeniusai.com/markup-calculator" }, { "name": "Shift Split Calculator", "slug": "shift-split-calculator", "url": "https://splitgeniusai.com/shift-split-calculator", "description": "Distribute 14 weekly shifts among 5 staff members fairly — by equal rotation, seniority, or balanced mix of good and bad shifts.", "category": "splitting", "keywords": [ "shift split calculator", "split shifts fairly", "work shift distribution", "fair shift schedule", "shift rotation calculator", "staff scheduling calculator", "restaurant shift split", "employee shift planner", "shift allocation tool", "fair work schedule" ], "inputDescription": "Nobody wants Tuesday lunch every week while someone else always gets Friday dinner. A fair schedule means distributing both the money shifts and the dead shifts. This calculator splits shifts three ways: equal rotation, seniority-based (veterans pick first), or balanced mode where everyone gets a mix of good and bad. The fairness score shows whether your schedule actually treats people equally.", "exampleUrl": "https://splitgeniusai.com/shift-split-calculator" }, { "name": "Storage Allocation Calculator", "slug": "storage-allocation-calculator", "url": "https://splitgeniusai.com/storage-allocation-calculator", "description": "Split 1TB across 4 departments by equal quota, current usage patterns, or priority level — with emergency reserve built in.", "category": "splitting", "keywords": [ "storage allocation calculator", "disk space allocation", "cloud storage split", "allocate storage", "storage distribution calculator", "server space allocation", "data storage planner", "disk quota calculator", "storage capacity planning", "IT storage allocation" ], "inputDescription": "Giving every department equal storage is like giving a video team and HR the same budget — one runs out in a month. The video team using 200GB of your 1TB needs different headroom than HR at 30GB. This calculator allocates by equal quota, proportional usage, or priority level, and always reserves 10-20% for emergencies so you never hit 95% capacity and crash performance.", "exampleUrl": "https://splitgeniusai.com/storage-allocation-calculator" }, { "name": "Bandwidth Split Calculator", "slug": "bandwidth-split-calculator", "url": "https://splitgeniusai.com/bandwidth-split-calculator", "description": "A 200 Mbps connection shared by 8 devices does not mean 25 Mbps each. Allocate bandwidth by device priority, usage type, or equal split.", "category": "splitting", "keywords": [ "bandwidth split calculator", "internet speed split", "bandwidth allocation", "divide bandwidth", "network bandwidth calculator", "QoS calculator", "bandwidth per device", "internet speed per device", "WiFi bandwidth split", "network allocation tool" ], "inputDescription": "Your smart thermostat does not need the same bandwidth as your 4K TV, but your router treats them equally by default. A 200 Mbps connection with 8 devices gives 25 Mbps each on paper — enough for the TV but 50x more than your thermostat needs. This calculator allocates bandwidth by device priority or usage type so work calls and streaming get the lion's share while IoT devices get what they actually need.", "exampleUrl": "https://splitgeniusai.com/bandwidth-split-calculator" }, { "name": "Emergency Fund Calculator", "slug": "emergency-fund-calculator", "url": "https://splitgeniusai.com/emergency-fund-calculator", "description": "Spending $4,000/month means you need $24,000 for a 6-month emergency fund. See your coverage gap and a timeline to close it.", "category": "financial", "keywords": [ "emergency fund calculator", "how much emergency fund", "emergency savings calculator", "emergency fund goal", "rainy day fund calculator", "emergency fund target", "months of expenses saved", "financial safety net calculator", "emergency savings goal", "how much to save emergency" ], "inputDescription": "56% of Americans cannot cover a $1,000 emergency without going into debt. If you spend $4,000/month, you need $24,000 to survive 6 months without income. With $10,000 saved, you are 2.5 months covered with a $14,000 gap. This calculator shows exactly how many months you can survive, what your target should be, and how long it takes to get there at your current savings rate.", "exampleUrl": "https://splitgeniusai.com/emergency-fund-calculator" }, { "name": "Down Payment Calculator", "slug": "down-payment-calculator", "url": "https://splitgeniusai.com/down-payment-calculator", "description": "A $400,000 home with 20% down = $80,000 plus $12,000 closing costs. See your total cash needed and a savings timeline to get there.", "category": "financial", "keywords": [ "down payment calculator", "home down payment calculator", "how much down payment for house", "house down payment savings", "down payment planner", "save for down payment", "home buying calculator", "closing cost calculator", "PMI calculator", "first time home buyer calculator" ], "inputDescription": "Everyone talks about the down payment, but closing costs blindside first-time buyers. A $400,000 home with 20% down is $80,000 — plus $8,000-20,000 in closing costs you probably forgot about. Put down less than 20% and PMI adds $100-250/month to your payment. This calculator shows your total cash needed at any down payment percentage and builds a month-by-month savings timeline to get there.", "exampleUrl": "https://splitgeniusai.com/down-payment-calculator" }, { "name": "Unit Price Calculator", "slug": "unit-price-calculator", "url": "https://splitgeniusai.com/unit-price-calculator", "description": "The 32oz bottle at $4.99 ($0.156/oz) beats the 16oz at $2.79 ($0.174/oz). Compare any products by price per unit to find the real deal.", "category": "financial", "keywords": [ "unit price calculator", "price per unit", "compare unit prices", "cost per unit", "best value calculator", "price comparison calculator", "grocery unit price", "price per ounce calculator", "bulk buying calculator", "which size is cheaper" ], "inputDescription": "Bigger is not always cheaper — stores put smaller sizes on sale all the time. The only honest comparison is price per unit: per ounce, per count, per pound. This calculator ranks any number of products by their true unit cost and shows the percentage difference so you stop guessing at the grocery store. Works for bulk club hauls, online shopping, or comparing brands side by side.", "exampleUrl": "https://splitgeniusai.com/unit-price-calculator" }, { "name": "Cost Per Mile Calculator", "slug": "cost-per-mile-calculator", "url": "https://splitgeniusai.com/cost-per-mile-calculator", "description": "The average car costs $0.68/mile — $8,160/year at 12,000 miles. Calculate your true driving cost including fuel, insurance, depreciation, and maintenance.", "category": "financial", "keywords": [ "cost per mile calculator", "driving cost calculator", "true cost of driving", "mileage cost calculator", "car cost per mile", "vehicle cost calculator", "fuel cost per mile", "IRS mileage rate", "commute cost calculator", "cost to drive" ], "inputDescription": "Most people think driving costs = gas money. It is not even close. Fuel is only 25-35% of your actual per-mile cost. Depreciation, insurance, and maintenance make up the rest. Your 30-mile round-trip commute probably costs $20/day, not the $6 in gas you think. This calculator breaks down every cost category so you know your real number — essential for commute decisions, ride-share comparisons, and mileage reimbursement negotiations.", "exampleUrl": "https://splitgeniusai.com/cost-per-mile-calculator" }, { "name": "Electricity Cost Calculator", "slug": "electricity-cost-calculator", "url": "https://splitgeniusai.com/electricity-cost-calculator", "description": "That space heater running 8 hours/day costs $54/month. Calculate the electricity cost of every appliance to find what is eating your bill.", "category": "financial", "keywords": [ "electricity cost calculator", "appliance energy cost", "kWh calculator", "energy cost calculator", "electric bill calculator", "power consumption calculator", "watt to cost calculator", "appliance running cost", "electricity usage calculator", "how much does it cost to run" ], "inputDescription": "Your electricity bill is a mystery because you cannot see which appliances are responsible. That space heater costs $54/month. The old fridge in the garage? $23/month. The gaming PC your kid leaves on 24/7? $14/month. This calculator turns watts and hours into real dollar amounts per appliance — daily, monthly, and annually — so you know exactly where to cut when the bill gets too high.", "exampleUrl": "https://splitgeniusai.com/electricity-cost-calculator" }, { "name": "Meal Prep Calculator", "slug": "meal-prep-calculator", "url": "https://splitgeniusai.com/meal-prep-calculator", "description": "Meal prepping 5 lunches from a $35 grocery run = $7/meal. Ordering out averages $16. See your real savings per week, month, and year.", "category": "financial", "keywords": [ "meal prep calculator", "cost per meal calculator", "meal prep savings", "how much does meal prep save", "meal prep cost", "food budget calculator", "cooking vs eating out", "meal prep budget", "cost per serving calculator", "weekly food cost calculator" ], "inputDescription": "Ordering lunch 5 days a week at $16 average costs $4,160/year. Prepping those same meals costs $1,820. That $2,340 difference invested at 8% for 20 years becomes $117,000. This calculator compares your meal prep cost per serving against your eating-out alternative and shows weekly, monthly, and annual savings — because the gap between cooking and ordering is bigger than most people realize.", "exampleUrl": "https://splitgeniusai.com/meal-prep-calculator" }, { "name": "Debt Snowball Calculator", "slug": "debt-snowball-calculator", "url": "https://splitgeniusai.com/debt-snowball-calculator", "description": "Pay off $25K across 4 debts in 28 months instead of 67. Build a snowball or avalanche payoff plan and see your debt-free date.", "category": "financial", "keywords": [ "debt snowball calculator", "debt avalanche calculator", "debt payoff calculator", "debt free date calculator", "debt payoff plan", "snowball vs avalanche", "how to pay off debt", "debt reduction calculator", "debt repayment calculator", "extra payment calculator" ], "inputDescription": "Minimum payments are designed to keep you in debt for decades. With $25,000 across 4 accounts, minimums alone take 5+ years. Throw $500/month extra at it and you are free in 28 months. The avalanche method (highest rate first) saves the most interest. The snowball method (smallest balance first) keeps you motivated with quick wins. This calculator builds both plans side by side so you can pick your strategy.", "exampleUrl": "https://splitgeniusai.com/debt-snowball-calculator" }, { "name": "Net Worth Calculator", "slug": "net-worth-calculator", "url": "https://splitgeniusai.com/net-worth-calculator", "description": "Everything you own minus everything you owe = your net worth. Add up assets and debts to see where you actually stand financially.", "category": "financial", "keywords": [ "net worth calculator", "calculate net worth", "what is my net worth", "total net worth", "assets minus liabilities", "wealth calculator", "financial net worth", "net worth tracker", "net worth by age", "am I doing well financially" ], "inputDescription": "Net worth is the only number that tells the full financial story. A $100K salary means nothing if you owe $200K. The median American household sits at $192,900 — but that number varies wildly by age (under 35: $39,000, ages 55-64: $364,500). List your assets and liabilities here to get your real number, your debt-to-asset ratio, and a clear picture of where your wealth actually lives.", "exampleUrl": "https://splitgeniusai.com/net-worth-calculator" }, { "name": "Cost of Living Calculator", "slug": "cost-of-living-calculator", "url": "https://splitgeniusai.com/cost-of-living-calculator", "description": "A $75K salary in Austin has the same buying power as $118K in San Francisco. Compare cities and find the salary you need to break even.", "category": "financial", "keywords": [ "cost of living calculator", "cost of living comparison", "salary comparison by city", "what salary do I need", "cost of living index", "city cost comparison", "relocation calculator", "equivalent salary", "moving cost of living", "compare cities" ], "inputDescription": "Moving from Austin to San Francisco on the same $75K salary is a 57% pay cut in real terms. Housing alone can cost 2-3x more. This calculator converts your income between cities using cost of living indices so you walk into relocation negotiations with a specific number, not a vague sense that things are more expensive. Essential for remote workers whose companies adjust pay by location.", "exampleUrl": "https://splitgeniusai.com/cost-of-living-calculator" }, { "name": "Wedding Budget Calculator", "slug": "wedding-budget-calculator", "url": "https://splitgeniusai.com/wedding-budget-calculator", "description": "The average wedding costs $35,000 — that is $233/guest at 150 people. Plan your budget by category and track every dollar against your target.", "category": "life-events", "keywords": [ "wedding budget calculator", "wedding cost calculator", "how much does a wedding cost", "wedding budget breakdown", "wedding planner budget", "wedding budget template", "cost per wedding guest", "wedding expense tracker", "wedding budget by category", "average wedding cost" ], "inputDescription": "Weddings go over budget because couples plan the vision before doing the math. At $200-300 per guest, cutting 20 people from the list saves $4,000-6,000 — more than most flower budgets. This calculator breaks your total budget into category allocations (venue 40-50%, photo 10-12%, flowers 8-10%), tracks actual vs planned spending, and shows where you are bleeding money before it is too late to course-correct.", "exampleUrl": "https://splitgeniusai.com/wedding-budget-calculator" }, { "name": "Baby Cost Calculator", "slug": "baby-cost-calculator", "url": "https://splitgeniusai.com/baby-cost-calculator", "description": "A baby costs $12,000-18,000/year before childcare. Add daycare at $1,200-2,500/month and year one can top $30,000. Budget every category here.", "category": "life-events", "keywords": [ "baby cost calculator", "how much does a baby cost", "cost of having a baby", "first year baby cost", "baby budget calculator", "newborn cost calculator", "baby expense calculator", "cost to raise a baby", "baby financial planning", "preparing financially for baby" ], "inputDescription": "Everybody tells you babies are expensive. Nobody hands you a spreadsheet. Delivery averages $2,655 with insurance. Diapers run $80-100/month for 2.5 years. Formula is $150-200/month if you are not breastfeeding. And daycare — the real budget killer — runs $1,200-2,500/month depending on where you live. This calculator adds up every category so you can prepare financially before the baby arrives, not after.", "exampleUrl": "https://splitgeniusai.com/baby-cost-calculator" }, { "name": "Pet Cost Calculator", "slug": "pet-cost-calculator", "url": "https://splitgeniusai.com/pet-cost-calculator", "description": "A dog costs $1,500-3,000/year — up to $42,000 over their lifetime. Calculate the true cost of pet ownership before you adopt or buy.", "category": "life-events", "keywords": [ "pet cost calculator", "how much does a dog cost", "dog cost per year", "cat cost calculator", "pet ownership cost", "lifetime cost of a dog", "pet budget calculator", "annual pet expenses", "cost of owning a pet", "pet financial planning" ], "inputDescription": "People budget for the adoption fee and forget the next 12 years. A dog runs $1,500-3,000/year in food, vet visits, insurance, and grooming — and one emergency surgery can hit $5,000-10,000 overnight. Cats are cheaper at $800-1,500/year but still add up. This calculator tallies every recurring and one-time cost over your pet's expected lifetime so the financial reality is clear before you fall in love at the shelter.", "exampleUrl": "https://splitgeniusai.com/pet-cost-calculator" }, { "name": "Salary Negotiation Calculator", "slug": "salary-negotiation-calculator", "url": "https://splitgeniusai.com/salary-negotiation-calculator", "description": "A $10K raise compounds to $50K+ over 5 years. Compare your pay to market rate, assess your leverage, and get a concrete negotiation range.", "category": "financial", "keywords": [ "salary negotiation calculator", "how to negotiate salary", "salary negotiation tips", "am I underpaid", "salary comparison", "market rate salary", "raise calculator", "salary increase calculator", "competing offer leverage", "know your worth calculator" ], "inputDescription": "Not negotiating your salary is the most expensive mistake in your career. A $10,000 raise at age 30 is worth $200,000-500,000 by retirement because every future raise, bonus, and 401(k) match builds on your higher base. This calculator compares your pay to market rate, factors in your leverage (competing offers, tenure, skills), and gives you a specific dollar range to bring to the table — not a pep talk.", "exampleUrl": "https://splitgeniusai.com/salary-negotiation-calculator" }, { "name": "Side Hustle Calculator", "slug": "side-hustle-calculator", "url": "https://splitgeniusai.com/side-hustle-calculator", "description": "What does $50/hr freelance really pay? After 30% taxes, tools, and unpaid admin time: about $28/hr. Calculate your real 2026 side hustle take-home. Free.", "category": "financial", "keywords": [ "side hustle calculator", "side hustle income", "freelance income calculator", "gig economy calculator", "side hustle tax calculator", "effective hourly rate", "side hustle earnings", "freelance take home pay", "side hustle profit", "how much can I make" ], "inputDescription": "Self-employment tax alone takes 15.3% of your side hustle income before federal and state income tax even touch it. A $50/hour gig with 30% total taxes, $200/month in tools, and 3 unpaid admin hours per week nets you $28/hour effective. This calculator strips away the illusion and shows what you actually take home — because the only rate that matters is the one after everything is subtracted.", "exampleUrl": "https://splitgeniusai.com/side-hustle-calculator" }, { "name": "Subscription Audit Calculator", "slug": "subscription-audit-calculator", "url": "https://splitgeniusai.com/subscription-audit-calculator", "description": "The average American spends $219/month on subscriptions but thinks it is $86. List yours, tag the non-essentials, and see real savings.", "category": "financial", "keywords": [ "subscription audit", "subscription calculator", "how much do I spend on subscriptions", "subscription tracker", "subscription cost calculator", "cancel subscriptions save money", "monthly subscription total", "subscription spending", "subscription budget", "cut subscriptions" ], "inputDescription": "You probably have 3-5 subscriptions you forgot about. The average American spends $219/month but guesses $86 — a 2.5x underestimate. Netflix, Spotify, gym, cloud storage, premium app tiers, that meal kit trial you never canceled. This calculator forces you to list every single one, tag each as essential or cuttable, and shows your total bleed. Investing even $100/month of recovered subscription waste at 8% builds to $58,900 in 20 years.", "exampleUrl": "https://splitgeniusai.com/subscription-audit-calculator" }, { "name": "Roommate vs Alone Calculator", "slug": "roommate-finder-calculator", "url": "https://splitgeniusai.com/roommate-finder-calculator", "description": "Solo rent at $2,400/month eats 49% of a $5,500 income. With a roommate, it drops to 25%. See if you can actually afford to live alone.", "category": "splitting", "keywords": [ "can I afford to live alone", "roommate vs alone cost", "roommate savings calculator", "should I get a roommate", "cost of living alone", "roommate cost comparison", "solo apartment calculator", "roommate financial benefit", "afford to live alone calculator", "rent alone vs shared" ], "inputDescription": "The 30% rule says your housing should stay under 30% of gross income. In most cities, living alone blows right past that. A $2,400 one-bedroom with utilities hits $2,700/month — 49% of a $5,500 income. Add one roommate and it drops to 25%. This calculator runs both scenarios with your real numbers so you can see the annual savings ($16,200 in this case) and decide whether the privacy is worth the cost.", "exampleUrl": "https://splitgeniusai.com/roommate-finder-calculator" }, { "name": "Child Support Calculator", "slug": "child-support-calculator", "url": "https://splitgeniusai.com/child-support-calculator", "description": "Child support is typically 17% of income for one child, 25% for two. Estimate payments using income shares, percentage, or Melson models.", "category": "life-events", "keywords": [ "child support calculator", "how much is child support", "child support estimator", "child support payment calculator", "child support by income", "custody child support", "child support formula", "estimated child support", "child support guidelines", "child support worksheet" ], "inputDescription": "Child support formulas vary by state, and the difference between models can be hundreds of dollars per month. At $80,000 income with one child, the percentage-of-income method yields roughly $1,133/month. Income shares and Melson models calculate differently. This tool estimates payments under all three methods so you have a realistic range before consulting a family law attorney — because going in blind is expensive.", "exampleUrl": "https://splitgeniusai.com/child-support-calculator" }, { "name": "FIRE Calculator", "slug": "fire-calculator", "url": "https://splitgeniusai.com/fire-calculator", "description": "At a 50% savings rate with $50K/year expenses, your FIRE number is $1.25M and you can quit in 13 years. Find your number and timeline.", "category": "financial", "keywords": [ "FIRE calculator", "financial independence calculator", "retire early calculator", "FIRE number calculator", "when can I retire", "early retirement calculator", "financial independence retire early", "savings rate calculator FIRE", "coast FIRE calculator", "lean FIRE calculator" ], "inputDescription": "Your savings rate matters more than your income. A 50% savings rate at any income level gets you to financial independence in about 17 years. At 25%, it takes 32 years. At 75%, just 7 years. This calculator computes your FIRE number (annual expenses divided by 4% withdrawal rate), projects your timeline based on current savings and contributions, and shows Coast FIRE, Lean FIRE, and Fat FIRE targets.", "exampleUrl": "https://splitgeniusai.com/fire-calculator" }, { "name": "Investment Fee Calculator", "slug": "investment-fee-calculator", "url": "https://splitgeniusai.com/investment-fee-calculator", "description": "A 1% fee vs 0.03% on $100K costs you $182,000 over 30 years. Compare funds by expense ratio and see the true long-term cost of fees.", "category": "financial", "keywords": [ "investment fee calculator", "expense ratio calculator", "fund fee comparison", "mutual fund fees", "ETF expense ratio", "investment cost calculator", "fee impact calculator", "index fund vs managed fund", "hidden investment fees", "expense ratio comparison" ], "inputDescription": "Investment fees are the one cost guaranteed to drag down your returns, and most people have no idea what they are paying. A 1% expense ratio sounds tiny until you realize it costs $182,000 more than a 0.03% index fund over 30 years on a $100K portfolio. This calculator compares any number of funds side by side and shows the fee drag in actual dollars — not percentages that hide the damage.", "exampleUrl": "https://splitgeniusai.com/investment-fee-calculator" }, { "name": "Tax Withholding Calculator", "slug": "tax-withholding-calculator", "url": "https://splitgeniusai.com/tax-withholding-calculator", "description": "A single filer at $75K pays $336/biweekly paycheck in federal tax (11.6% effective rate). Estimate your per-paycheck withholding and take-home pay.", "category": "tax", "keywords": [ "tax withholding calculator", "W-4 calculator", "paycheck tax calculator", "federal tax calculator", "income tax estimator", "tax bracket calculator 2025", "take home pay calculator", "paycheck withholding", "estimated tax calculator", "how much tax per paycheck" ], "inputDescription": "Your marginal tax rate is not your real tax rate. A single filer at $75,000 is in the 22% bracket but actually pays 11.6% effective — because the first $15,000 is deducted and lower brackets apply first. If you got a big refund last year, you are overwithholding and giving the government a free loan. This calculator breaks down your federal tax by bracket and shows your actual take-home per paycheck.", "exampleUrl": "https://splitgeniusai.com/tax-withholding-calculator" }, { "name": "College Savings Calculator", "slug": "college-savings-calculator", "url": "https://splitgeniusai.com/college-savings-calculator", "description": "A state university costs $110K today but $230K in 18 years with tuition inflation. Calculate your monthly 529 savings target to cover the gap.", "category": "financial", "keywords": [ "college savings calculator", "529 plan calculator", "how much to save for college", "college cost calculator", "tuition inflation calculator", "college fund calculator", "education savings calculator", "college planning calculator", "529 contribution calculator", "save for college monthly" ], "inputDescription": "Tuition inflates at 5% per year — nearly double the general inflation rate. A $110,000 state school education today becomes $230,000 by the time a newborn hits 18. Every year you delay starting a 529 plan adds roughly 10-15% to the monthly amount needed. This calculator projects future college costs, models your 529 growth, and gives you the exact monthly contribution to close the gap before freshman year.", "exampleUrl": "https://splitgeniusai.com/college-savings-calculator" }, { "name": "Car Affordability Calculator", "slug": "car-afford-calculator", "url": "https://splitgeniusai.com/car-afford-calculator", "description": "On $5,000/month income with a 15% transport budget, you can afford a $35,000 car — but true monthly cost is $990 with insurance, fuel, and maintenance.", "category": "financial", "keywords": [ "how much car can I afford", "car affordability calculator", "car budget calculator", "car payment calculator", "auto loan calculator", "can I afford this car", "car buying calculator", "car cost calculator", "vehicle budget", "car ownership cost" ], "inputDescription": "A $615/month car payment is not a $615/month car. Add insurance ($150), fuel ($150), and maintenance ($75) and the real number is $990/month. Most people budget for the payment and forget the other 38% of the cost. This calculator works backwards from your income and the 15% transportation rule to find the maximum car price you can actually afford — after every ownership cost, not just the loan.", "exampleUrl": "https://splitgeniusai.com/car-afford-calculator" }, { "name": "Student Loan Repayment Calculator", "slug": "student-loan-calculator", "url": "https://splitgeniusai.com/student-loan-calculator", "description": "$35K in student loans at 5.5% costs $380/month for 10 years ($10,560 interest). Compare repayment plans and see what extra payments save you.", "category": "financial", "keywords": [ "student loan calculator", "loan repayment calculator", "student loan payoff", "income driven repayment", "student loan interest", "extra payment calculator", "loan payoff date", "student debt calculator", "federal loan calculator", "student loan comparison" ], "inputDescription": "Income-driven repayment cuts your payment in half but can nearly double your total interest. On a $35,000 loan at 5.5%, standard repayment costs $10,560 in interest. IDR costs $18,400. That $7,840 difference is the price of lower monthly payments. Adding just $100/month extra to the standard plan saves $2,800 and gets you out 2 years early. This calculator lays every scenario side by side so you pick the plan that actually fits your goals.", "exampleUrl": "https://splitgeniusai.com/student-loan-calculator" }, { "name": "Rental Property ROI Calculator", "slug": "rental-property-calculator", "url": "https://splitgeniusai.com/rental-property-calculator", "description": "Buy a $300K rental, collect $2,200/month rent, and your real cash flow is $48/month after all expenses. Run the numbers before you buy.", "category": "financial", "keywords": [ "rental property calculator", "investment property calculator", "cash flow calculator", "cap rate calculator", "cash on cash return", "rental ROI", "real estate investment", "rental income calculator", "property investment analysis", "landlord calculator" ], "inputDescription": "Most rental property ads show gross rent and ignore the 15 line items that eat your cash flow. A $2,200/month rental on a $300,000 property sounds like $26,400/year income — until mortgage, taxes, insurance, maintenance, and management fees leave you $48/month. This calculator runs the real math: cash flow, cap rate, cash-on-cash return, and 10-year equity projection so you know if a deal is actually worth your $75,000 down payment.", "exampleUrl": "https://splitgeniusai.com/rental-property-calculator" }, { "name": "Car Lease vs Buy Calculator", "slug": "car-lease-calculator", "url": "https://splitgeniusai.com/car-lease-calculator", "description": "Leasing a $40K car costs $378/month vs $650/month buying — but after 3 years you own nothing. See the full cost comparison and break-even point.", "category": "financial", "keywords": [ "lease vs buy calculator", "car lease calculator", "should I lease or buy", "lease payment calculator", "car lease comparison", "auto lease calculator", "lease vs finance", "car buying calculator", "money factor calculator", "residual value calculator" ], "inputDescription": "Leasing looks cheaper because you are comparing a 3-year rental to a 6-year purchase. A $40,000 car leased at $378/month for 36 months costs $13,608 with zero equity at the end. Buying at $650/month for 72 months costs more per month but leaves you with a paid-off car worth $16,000-22,000. This calculator shows the full cost comparison including equity and reveals exactly when buying breaks even with perpetual leasing.", "exampleUrl": "https://splitgeniusai.com/car-lease-calculator" }, { "name": "Dividend Reinvestment (DRIP) Calculator", "slug": "dividend-calculator", "url": "https://splitgeniusai.com/dividend-calculator", "description": "$10K in a 3.5% dividend stock with DRIP and $500/month contributions grows to $312K with $8,400/year dividends in 20 years. Project your income.", "category": "financial", "keywords": [ "dividend calculator", "DRIP calculator", "dividend reinvestment calculator", "dividend growth calculator", "dividend income calculator", "dividend yield calculator", "compound dividends", "dividend portfolio", "passive income calculator", "yield on cost calculator" ], "inputDescription": "Reinvesting dividends instead of taking cash adds $67,000 over 20 years on a $10,000 starting investment. That is the DRIP effect — your dividends buy more shares, which pay more dividends, which buy more shares. A 3.5% yield growing at 7% per year becomes a 6% yield on your original cost in 10 years. This calculator projects your portfolio value and dividend income with and without reinvestment so you can see the compounding gap grow.", "exampleUrl": "https://splitgeniusai.com/dividend-calculator" }, { "name": "Moving Cost Estimator", "slug": "moving-cost-calculator", "url": "https://splitgeniusai.com/moving-cost-calculator", "description": "Moving a 2-bedroom 800 miles costs $4,295 with movers or $680 DIY. Estimate your full moving budget including every hidden cost.", "category": "life-events", "keywords": [ "moving cost calculator", "how much does it cost to move", "moving budget", "moving company cost", "cross country moving cost", "moving estimate", "relocation cost", "moving expenses", "DIY moving cost", "moving cost comparison" ], "inputDescription": "Moving quotes show the base price. Reality adds mileage fees, peak season surcharges, packing services, storage, insurance, tips, and your own travel costs. A \"starting at $1,800\" move easily becomes $4,295 when you add everything up. This calculator itemizes every line — distance, season, services, insurance, and tips — and compares full-service movers vs DIY truck rental so your moving budget survives contact with reality.", "exampleUrl": "https://splitgeniusai.com/moving-cost-calculator" }, { "name": "Home Renovation Cost Calculator", "slug": "home-renovation-calculator", "url": "https://splitgeniusai.com/home-renovation-calculator", "description": "A mid-range kitchen reno on 200 sqft runs $30,000. Estimate costs by room, size, and quality level with labor, contingency, and ROI built in.", "category": "life-events", "keywords": [ "home renovation cost", "remodel cost calculator", "kitchen renovation cost", "bathroom renovation cost", "home improvement calculator", "renovation budget", "remodeling estimate", "cost per square foot renovation", "home renovation ROI", "renovation planning" ], "inputDescription": "Renovations go over budget 80% of the time because people skip the contingency and underestimate labor. A mid-range kitchen costs $30,000 (materials $18K + labor $9K + 10% contingency $2,700). Go high-end and that number triples. This calculator projects costs per room by square footage and quality level, adds realistic labor rates (30-50% of total), builds in contingency, and estimates your ROI — because a $60,000 renovation that adds $40,000 in value is a $20,000 loss.", "exampleUrl": "https://splitgeniusai.com/home-renovation-calculator" }, { "name": "Crypto Tax Calculator", "slug": "crypto-tax-calculator", "url": "https://splitgeniusai.com/crypto-tax-calculator", "description": "Sold 1 BTC at $65K that you bought at $25K? That $40K gain is taxed at 15% long-term or up to 37% short-term. Calculate your crypto tax bill.", "category": "tax", "keywords": [ "crypto tax calculator", "bitcoin tax calculator", "cryptocurrency capital gains", "crypto tax rate", "crypto tax loss harvesting", "crypto capital gains calculator", "bitcoin capital gains", "crypto FIFO calculator", "cryptocurrency tax", "crypto gains and losses" ], "inputDescription": "The IRS treats crypto as property, and holding period changes your tax bill by thousands. A $40,000 Bitcoin gain held over 12 months costs $6,000 in tax at 15%. Sell before 12 months and you pay $8,800-14,800 at your ordinary income rate. This calculator processes your buy/sell transactions using FIFO, separates short-term from long-term gains, and shows how tax-loss harvesting with your losing positions can offset the bill.", "exampleUrl": "https://splitgeniusai.com/crypto-tax-calculator" }, { "name": "Personal Savings Rate Calculator", "slug": "savings-rate-calculator", "url": "https://splitgeniusai.com/savings-rate-calculator", "description": "Find your real savings rate as a percentage of take-home pay. See how you stack up by age group and project your wealth at 10 and 20 years out.", "category": "financial", "keywords": [ "savings rate calculator", "personal savings rate", "how much should I save", "savings rate by age", "savings benchmark", "FIRE savings rate", "savings rate percentage", "savings rate formula", "average savings rate", "savings rate vs income" ], "inputDescription": "The average American saves 4.6% of income. That is not a savings rate, that is a rounding error. Plug in your take-home pay and every dollar going to savings, 401(k), and investments to see your actual rate and how it compares by age bracket. A 16% savings rate at 7% returns builds to $442,000 in 20 years -- knowing your number is step one to accelerating it.", "exampleUrl": "https://splitgeniusai.com/savings-rate-calculator" }, { "name": "Freelance Hourly Rate Calculator", "slug": "hourly-rate-calculator", "url": "https://splitgeniusai.com/hourly-rate-calculator", "description": "Work backwards from your target income to find the hourly rate that actually gets you there after taxes, expenses, and non-billable time.", "category": "financial", "keywords": [ "freelance rate calculator", "hourly rate calculator", "consultant hourly rate", "what to charge freelance", "freelance pricing", "consulting rate calculator", "hourly rate formula", "freelance income calculator", "contractor rate calculator", "freelance billing rate" ], "inputDescription": "Most freelancers charge what feels right and end up making less than their old salary. To net $100K, you need to bill $119/hour once you factor in 30% non-billable time, 25% taxes, $12K in expenses, and a 15% profit margin. This calculator does the math employers do not want you to see -- your time is worth more than you think.", "exampleUrl": "https://splitgeniusai.com/hourly-rate-calculator" }, { "name": "Life Insurance Needs Calculator", "slug": "life-insurance-calculator", "url": "https://splitgeniusai.com/life-insurance-calculator", "description": "Get a real coverage number based on your income, mortgage, kids' college costs, and existing savings. Most families need 10-15x income.", "category": "financial", "keywords": [ "life insurance calculator", "how much life insurance do I need", "life insurance coverage calculator", "term life insurance calculator", "life insurance needs analysis", "life insurance amount", "insurance coverage amount", "DIME method calculator", "life insurance estimator", "family insurance needs" ], "inputDescription": "\"10x your salary\" is a guess. Your actual number depends on your mortgage, your spouse's income, how many kids need college, and what you already have saved. A $90K earner with a $300K mortgage and 2 kids needs roughly $950K -- and at 30 years old, that costs about $55/month for term life. Run your real numbers instead of guessing.", "exampleUrl": "https://splitgeniusai.com/life-insurance-calculator" }, { "name": "Sales Tax Calculator", "slug": "sales-tax-calculator", "url": "https://splitgeniusai.com/sales-tax-calculator", "description": "Find the exact tax and total on any purchase at any rate. Covers all 50 states, from 0% in Oregon to 9.56% combined in Louisiana.", "category": "tax", "keywords": [ "sales tax calculator", "tax on purchase", "state sales tax", "tax amount", "total with tax", "reverse sales tax", "combined tax rate", "local tax", "purchase tax", "price after tax" ], "inputDescription": "A $250 purchase in NYC costs $272.18 after 8.875% combined tax. The same item in Portland costs exactly $250. Sales tax varies wildly -- five states charge zero, while Louisiana hits 9.56%. Plug in your price and local rate to see the real total, including both state and local taxes combined.", "exampleUrl": "https://splitgeniusai.com/sales-tax-calculator" }, { "name": "Capital Gains Tax Calculator", "slug": "capital-gains-calculator", "url": "https://splitgeniusai.com/capital-gains-calculator", "description": "See your estimated tax bill on stock sales, real estate, or any investment. Covers short-term vs long-term rates and the 3.8% NIIT surcharge.", "category": "tax", "keywords": [ "capital gains tax", "stock tax calculator", "long term capital gains", "short term capital gains", "investment tax", "NIIT", "cost basis", "real estate capital gains", "tax on stocks", "after tax profit" ], "inputDescription": "Holding one extra day can drop your tax rate from 37% to 15%. Plug in your buy price, sell price, and holding period to see your actual tax hit on stocks, real estate, or any investment. The calculator flags whether you qualify for long-term rates and whether the 3.8% NIIT surcharge applies based on your income.", "exampleUrl": "https://splitgeniusai.com/capital-gains-calculator" }, { "name": "Amortization Schedule Calculator", "slug": "amortization-calculator", "url": "https://splitgeniusai.com/amortization-calculator", "description": "See exactly how every loan payment splits between principal and interest, month by month. Test extra payments to find your real savings.", "category": "financial", "keywords": [ "amortization schedule", "loan amortization", "mortgage amortization", "payment schedule", "extra payment calculator", "principal vs interest", "loan payoff", "amortization table", "monthly payment breakdown", "early payoff calculator" ], "inputDescription": "On a $300K mortgage at 7%, your first payment puts only $246 toward the actual balance -- the other $1,750 is pure interest. Adding just $200/month saves $107,000 in total interest and kills the loan 7.5 years early. Generate your full schedule to see when the principal-to-interest ratio finally flips in your favor.", "exampleUrl": "https://splitgeniusai.com/amortization-calculator" }, { "name": "Profit Margin Calculator", "slug": "margin-calculator", "url": "https://splitgeniusai.com/margin-calculator", "description": "Get your gross, operating, and net margin from revenue and costs. See how every dollar splits between COGS, expenses, taxes, and profit.", "category": "financial", "keywords": [ "profit margin calculator", "gross margin", "net margin", "operating margin", "markup calculator", "EBITDA", "profit and loss", "business margin", "margin percentage", "cost of goods" ], "inputDescription": "Margin and markup are not the same number, and confusing them costs businesses real money. A $60 cost sold at $100 is 40% margin but 66.7% markup. Plug in your revenue and costs to see gross, operating, and net margin side by side -- plus the markup number, so you stop mixing them up.", "exampleUrl": "https://splitgeniusai.com/margin-calculator" }, { "name": "Cash Flow Calculator", "slug": "cash-flow-calculator", "url": "https://splitgeniusai.com/cash-flow-calculator", "description": "Track every income stream against every expense to find your real monthly surplus or deficit. See exactly where your money goes.", "category": "financial", "keywords": [ "cash flow calculator", "income vs expenses", "monthly budget", "where does my money go", "expense tracker", "budget calculator", "cash flow statement", "personal cash flow", "money in money out", "surplus calculator" ], "inputDescription": "You probably think you know where your money goes. You probably do not. Add every income source and expense -- weekly, biweekly, monthly, or annual -- to see your actual cash flow ratio. Below 1.0 means you are bleeding money. The category breakdown shows exactly which spending buckets are eating your surplus.", "exampleUrl": "https://splitgeniusai.com/cash-flow-calculator" }, { "name": "BMI Calculator", "slug": "bmi-calculator", "url": "https://splitgeniusai.com/bmi-calculator", "description": "Get your BMI from height and weight with WHO category, healthy weight range, and an honest take on what BMI misses for athletes.", "category": "seo-magnets", "keywords": [ "BMI calculator", "body mass index", "healthy weight", "BMI chart", "weight calculator", "BMI formula", "overweight calculator", "ideal weight", "BMI Prime", "health calculator" ], "inputDescription": "BMI is a blunt tool -- a 220-pound athlete with 12% body fat scores \"overweight\" right alongside someone with zero muscle mass. Still, it is a useful starting point. Get your number, see the WHO category, and check your healthy weight range. We include BMI Prime and notes on where the formula falls short.", "exampleUrl": "https://splitgeniusai.com/bmi-calculator" }, { "name": "Tip Calculator", "slug": "tip-calculator", "url": "https://splitgeniusai.com/tip-calculator", "description": "See the exact tip and total at 10%-30%, split it between any number of people, and compare amounts side by side before you pay.", "category": "seo-magnets", "keywords": [ "tip calculator", "how much to tip", "gratuity calculator", "restaurant tip", "tip percentage", "bill tip", "service tip", "tipping guide", "split tip", "tip per person" ], "inputDescription": "20% is the new floor for good service in the US -- not 15%. On an $85 dinner, that is $17, bringing your total to $102. The side-by-side comparison shows what you would pay at every standard percentage so you can pick your number without mental math. Splitting between people? That is handled too.", "exampleUrl": "https://splitgeniusai.com/tip-calculator" }, { "name": "Lease vs Buy Calculator", "slug": "lease-vs-buy-calculator", "url": "https://splitgeniusai.com/lease-vs-buy-calculator", "description": "Compare the real total cost of leasing versus buying over any time horizon. Find the break-even month and see equity built year by year.", "category": "financial", "keywords": [ "lease vs buy", "rent vs buy calculator", "lease vs purchase", "should I lease or buy", "cost comparison", "break even rent vs buy", "home buying calculator", "lease comparison", "equity calculator", "total cost of ownership" ], "inputDescription": "The break-even point for most home purchases is 3-7 years. Before that, closing costs and interest make leasing cheaper. After that, equity and appreciation tilt the math toward buying. Plug in your real numbers -- purchase price, down payment, rates, lease payment -- and see the exact month when buying wins.", "exampleUrl": "https://splitgeniusai.com/lease-vs-buy-calculator" }, { "name": "Debt Payoff Calculator", "slug": "debt-payoff-calculator", "url": "https://splitgeniusai.com/debt-payoff-calculator", "description": "See exactly how many months until you are debt-free at your current payment, then test how much extra payments shave off.", "category": "financial", "keywords": [ "debt payoff calculator", "how long to pay off debt", "debt free calculator", "extra payment calculator", "credit card payoff", "loan payoff", "debt timeline", "interest savings", "pay off faster", "debt elimination" ], "inputDescription": "A $15,000 credit card at 20% with $400/month payments takes 52 months and costs $5,681 in interest. Add just $100 extra per month and you are done 15 months sooner, saving $1,970. The difference between \"minimum payment\" and \"minimum plus a little\" is years of your life and thousands of dollars.", "exampleUrl": "https://splitgeniusai.com/debt-payoff-calculator" }, { "name": "Investment Return Calculator", "slug": "investment-return-calculator", "url": "https://splitgeniusai.com/investment-return-calculator", "description": "Project your portfolio growth with compound returns and monthly contributions. See both nominal and inflation-adjusted values so you know what it actually buys.", "category": "financial", "keywords": [ "investment return calculator", "compound growth calculator", "portfolio projector", "investment growth", "monthly contribution calculator", "real return", "inflation adjusted return", "rule of 72", "investment timeline", "wealth projector" ], "inputDescription": "$10,000 invested at 7% for 30 years grows to $76,123. Add $500/month and it becomes $642,000 -- with $462,000 of that coming from growth alone. But here is what most calculators hide: at 3% inflation, that $642K only buys what $264K buys today. This one shows you both numbers.", "exampleUrl": "https://splitgeniusai.com/investment-return-calculator" }, { "name": "Payroll Tax Calculator", "slug": "payroll-tax-calculator", "url": "https://splitgeniusai.com/payroll-tax-calculator", "description": "See exactly how much of your paycheck goes to Social Security (6.2%), Medicare (1.45%), and federal withholding -- plus your employer's hidden costs.", "category": "tax", "keywords": [ "payroll tax calculator", "FICA calculator", "Social Security tax", "Medicare tax", "federal withholding", "employer payroll tax", "paycheck deductions", "payroll tax breakdown", "W2 tax calculator", "employment tax" ], "inputDescription": "Your employer pays 6.2% Social Security and 1.45% Medicare on top of your salary -- money you never see on your paycheck. On an $80K salary, that is an extra $6,120 in hidden costs. Plug in your gross pay to see the full breakdown on both sides of the equation, including the additional Medicare tax that kicks in above $200K.", "exampleUrl": "https://splitgeniusai.com/payroll-tax-calculator" }, { "name": "Estate Tax Calculator", "slug": "estate-tax-calculator", "url": "https://splitgeniusai.com/estate-tax-calculator", "description": "Estimate your federal and state estate tax bill using the 2025 exemption ($13.99M). See the bracket-by-bracket breakdown and net to heirs.", "category": "tax", "keywords": [ "estate tax calculator", "inheritance tax calculator", "estate planning", "federal estate tax", "death tax calculator", "estate tax exemption", "estate tax brackets", "net to heirs", "state estate tax", "marital deduction" ], "inputDescription": "The federal estate tax exemption is $13.99M per person in 2025 -- but it may drop to $7M in 2026 when the TCJA expires. If your estate is anywhere near those numbers, you need to plan now. Plug in your gross estate, deductions, and spouse transfers to see your estimated tax bill and what your heirs actually receive.", "exampleUrl": "https://splitgeniusai.com/estate-tax-calculator" }, { "name": "Auto Insurance Calculator", "slug": "auto-insurance-calculator", "url": "https://splitgeniusai.com/auto-insurance-calculator", "description": "Estimate your car insurance premium by coverage type and compare deductible options with a break-even analysis. National average: $2,300/year full coverage.", "category": "financial", "keywords": [ "auto insurance calculator", "car insurance estimator", "insurance premium calculator", "liability coverage cost", "collision insurance", "comprehensive coverage", "deductible comparison", "car insurance quote", "insurance cost per mile", "full coverage cost" ], "inputDescription": "The average American pays $2,300/year for full coverage, but a clean-record 35-year-old in Maine pays $1,000 while a 22-year-old in Michigan pays $3,200+. Your rate depends on age, record, vehicle, and zip code. Plug in your details to see the premium breakdown by coverage type and whether raising your deductible to $1,000 actually saves enough to justify the risk.", "exampleUrl": "https://splitgeniusai.com/auto-insurance-calculator" }, { "name": "Health Insurance Calculator", "slug": "health-insurance-calculator", "url": "https://splitgeniusai.com/health-insurance-calculator", "description": "Compare Bronze through Platinum plans by total annual cost -- premiums plus out-of-pocket -- and check if you qualify for ACA premium subsidies.", "category": "financial", "keywords": [ "health insurance calculator", "ACA subsidy calculator", "marketplace premium estimator", "health insurance cost", "bronze vs silver plan", "premium tax credit", "health plan comparison", "Obamacare calculator", "insurance deductible comparison", "out of pocket maximum" ], "inputDescription": "A Bronze plan with a $7,500 deductible is only cheap if you never use it. Factor in your actual healthcare usage and the math often favors Silver or Gold. Plug in your age, income, and expected visits to see total annual cost across all ACA tiers -- premiums plus what you pay out of pocket. That is the number that matters.", "exampleUrl": "https://splitgeniusai.com/health-insurance-calculator" }, { "name": "Vacation Savings Calculator", "slug": "vacation-savings-calculator", "url": "https://splitgeniusai.com/vacation-savings-calculator", "description": "Set a trip budget with cost breakdowns by category, then see the exact monthly savings needed to hit your goal by departure date.", "category": "financial", "keywords": [ "vacation savings calculator", "trip savings planner", "travel fund calculator", "vacation budget planner", "trip cost breakdown", "savings goal tracker", "travel savings timeline", "holiday budget calculator", "trip fund goal", "vacation cost planner" ], "inputDescription": "A week in Hawaii for two runs $4,000-$6,000 once you budget flights, hotels, food, and activities honestly. Most people underestimate dining and excursions by 40-60%. Break down your trip cost by category, set your departure date, and get the exact daily and monthly savings target. Put it in a high-yield account at 4.5% and the interest covers a nice dinner.", "exampleUrl": "https://splitgeniusai.com/vacation-savings-calculator" }, { "name": "Debt-to-Income Ratio Calculator", "slug": "debt-to-income-calculator", "url": "https://splitgeniusai.com/debt-to-income-calculator", "description": "Find your front-end and back-end DTI ratios and see if you qualify for FHA (50% max) or conventional (45% max) mortgage approval.", "category": "financial", "keywords": [ "debt to income ratio", "DTI calculator", "mortgage qualification", "front end DTI", "back end DTI", "FHA DTI limit", "conventional loan DTI", "how much can I borrow", "debt ratio calculator", "loan qualification" ], "inputDescription": "Lenders do not care about your credit score as much as your DTI. A back-end ratio above 43% kills most mortgage applications on the spot. Plug in your gross income and every monthly payment -- mortgage, car, student loans, credit card minimums -- to see both ratios and whether you clear the bar for FHA or conventional loans.", "exampleUrl": "https://splitgeniusai.com/debt-to-income-calculator" }, { "name": "Home Affordability Calculator", "slug": "home-affordability-calculator", "url": "https://splitgeniusai.com/home-affordability-calculator", "description": "Get the maximum home price your income actually supports, factoring in debts, PMI, property tax, insurance, and current mortgage rates.", "category": "financial", "keywords": [ "home affordability calculator", "how much house can I afford", "mortgage affordability", "home buying budget", "house payment calculator", "afford home calculator", "DTI home price", "max home price calculator", "home purchase budget", "first time home buyer calculator" ], "inputDescription": "On a $100K salary with no debts and 20% down, you can afford roughly $400K-$450K at today's 7% rates. Add $500/month in car and student loan payments and that drops to $350K. Every 1% rate increase cuts your buying power by 10%. Plug in your real numbers to get the honest answer, not the inflated number a lender wants you to believe.", "exampleUrl": "https://splitgeniusai.com/home-affordability-calculator" }, { "name": "Tax-Equivalent Yield Calculator", "slug": "tax-equivalent-yield-calculator", "url": "https://splitgeniusai.com/tax-equivalent-yield-calculator", "description": "Convert tax-free muni bond yields to their taxable equivalent so you can compare apples-to-apples against corporate bonds, CDs, and HYSA rates.", "category": "financial", "keywords": [ "tax equivalent yield", "municipal bond calculator", "muni bond yield", "tax free yield calculator", "taxable equivalent", "muni vs corporate bond", "tax exempt yield comparison", "bond yield calculator", "municipal bond tax advantage", "after tax yield comparison" ], "inputDescription": "A 3.5% muni bond in the 32% bracket has a tax-equivalent yield of 5.15% -- meaning a corporate bond needs to beat 5.15% to actually pay you more. Below the 22% bracket, munis rarely win. Above 32%, they almost always do. Plug in your marginal rate to see whether the tax-free yield actually beats your taxable alternatives.", "exampleUrl": "https://splitgeniusai.com/tax-equivalent-yield-calculator" }, { "name": "Social Security Benefits Calculator", "slug": "social-security-calculator", "url": "https://splitgeniusai.com/social-security-calculator", "description": "Estimate your monthly Social Security benefit at every age from 62 to 70. See the break-even ages to find your optimal claiming strategy.", "category": "financial", "keywords": [ "social security calculator", "SSA benefits estimator", "retirement benefits calculator", "social security at 62", "full retirement age", "delayed retirement credits", "social security claiming age", "PIA calculator", "AIME calculator", "when to claim social security" ], "inputDescription": "Claiming at 62 instead of 70 can cost you $1,000+ per month for the rest of your life. But claiming late means years of missed checks. The break-even point is typically age 78-82 -- live past that and waiting pays off. This calculator uses the actual SSA formula with 2025 bend points to estimate your specific benefit at every claiming age.", "exampleUrl": "https://splitgeniusai.com/social-security-calculator" }, { "name": "Federal Income Tax Calculator", "slug": "income-tax-calculator", "url": "https://splitgeniusai.com/income-tax-calculator", "description": "Run your 2025 federal income tax with all 7 brackets. See effective rate, marginal rate, and real take-home for any filing status.", "category": "tax", "keywords": [ "income tax calculator", "federal tax calculator 2025", "tax bracket calculator", "effective tax rate", "marginal tax rate", "how much tax do I owe", "2025 tax brackets", "self employment tax", "capital gains tax calculator", "after tax income" ], "inputDescription": "Your marginal rate is not your real rate. An $85K single filer hits the 22% bracket but only pays an effective rate of about 15% because the first chunks are taxed at 10% and 12%. Plug in your gross income, filing status, deductions, and 401(k) contributions to see the actual tax per bracket, your true effective rate, and monthly take-home after federal tax.", "exampleUrl": "https://splitgeniusai.com/income-tax-calculator" }, { "name": "401(k) Retirement Calculator", "slug": "401k-calculator", "url": "https://splitgeniusai.com/401k-calculator", "description": "Project your 401(k) balance at retirement with employer match, contribution limits, and compound growth. See when compounding takes over.", "category": "financial", "keywords": [ "401k calculator", "retirement savings calculator", "401k projection", "employer match calculator", "retirement planning", "compound interest 401k", "401k contribution limit 2025", "how much to save for retirement", "401k growth calculator", "4 percent rule calculator" ], "inputDescription": "Not maxing your employer match is literally turning down free money. A 50% match on 6% of a $75K salary hands you $2,250/year for nothing. At 7% returns over 35 years, that match alone grows to $340K+. Plug in your salary, contribution rate, and match terms to see your projected balance and the 4% rule monthly income at retirement.", "exampleUrl": "https://splitgeniusai.com/401k-calculator" }, { "name": "Roth IRA Conversion Calculator", "slug": "roth-conversion-calculator", "url": "https://splitgeniusai.com/roth-conversion-calculator", "description": "Compare the after-tax value of converting to Roth now versus keeping your traditional IRA. See the break-even year and six tax scenarios.", "category": "financial", "keywords": [ "roth conversion calculator", "traditional to roth IRA", "roth IRA conversion", "should I convert to roth", "backdoor roth calculator", "roth conversion tax calculator", "IRA conversion analysis", "roth vs traditional calculator", "roth conversion break even", "tax-free retirement" ], "inputDescription": "Converting $50K from traditional to Roth at a 22% rate costs $11K in taxes today. But that $50K then grows tax-free forever -- at 7% over 20 years, it becomes $193K you will never owe a dime on. The question is whether you will be in a higher or lower bracket in retirement. This calculator runs six scenarios so you can see both sides.", "exampleUrl": "https://splitgeniusai.com/roth-conversion-calculator" }, { "name": "Required Minimum Distribution Calculator", "slug": "rmd-calculator", "url": "https://splitgeniusai.com/rmd-calculator", "description": "Calculate your exact required minimum distribution using the 2025 IRS Uniform Lifetime Table. Miss it and you face a 25% penalty.", "category": "financial", "keywords": [ "RMD calculator", "required minimum distribution", "IRA withdrawal calculator", "RMD age 73", "401k RMD calculator", "IRS uniform lifetime table", "RMD penalty", "retirement withdrawal calculator", "minimum distribution 2025", "RMD for inherited IRA" ], "inputDescription": "At age 73, the IRS forces you to start pulling money from your traditional IRA and 401(k) whether you need it or not. Skip it and you owe a 25% penalty on the amount you should have withdrawn. On a $500K account at 73, your RMD is about $18,868. Plug in your balance and age to see your exact number and a 15-year projection.", "exampleUrl": "https://splitgeniusai.com/rmd-calculator" }, { "name": "HSA Growth Calculator", "slug": "hsa-calculator", "url": "https://splitgeniusai.com/hsa-calculator", "description": "Project your HSA balance from now to retirement. See how the only triple-tax-advantaged account in the tax code builds serious wealth over decades.", "category": "financial", "keywords": [ "HSA calculator", "health savings account calculator", "HSA investment growth", "HSA contribution limit 2025", "triple tax advantage", "HSA retirement strategy", "HSA vs FSA", "HSA employer contribution", "HSA balance projection", "HSA tax savings calculator" ], "inputDescription": "An HSA is not a medical spending account -- it is the best retirement account in the tax code. Tax-deductible going in, tax-free growth, tax-free withdrawals for medical expenses. A 30-year-old maxing out $4,300/year invested at 8% has roughly $750,000 by 65. After 65, it works like a traditional IRA for non-medical spending too. This calculator shows the difference between using it now versus investing it.", "exampleUrl": "https://splitgeniusai.com/hsa-calculator" }, { "name": "Bond Yield Calculator", "slug": "bond-yield-calculator", "url": "https://splitgeniusai.com/bond-yield-calculator", "description": "Calculate current yield and yield to maturity for any bond. See your true return including capital gain or loss if held to maturity.", "category": "financial", "keywords": [ "bond yield calculator", "yield to maturity calculator", "current yield calculator", "bond return calculator", "YTM calculator", "coupon rate calculator", "bond pricing", "bond cash flow", "fixed income calculator", "bond total return" ], "inputDescription": "Current yield only tells half the story. A bond bought at $950 with a 5% coupon looks like 5.26% yield -- but your YTM is actually 5.7% because you also pocket the $50 gain at maturity. Plug in your purchase price, coupon rate, and maturity date to see the full picture, including after-tax yield and a complete cash flow schedule.", "exampleUrl": "https://splitgeniusai.com/bond-yield-calculator" }, { "name": "Business Valuation Calculator", "slug": "business-valuation-calculator", "url": "https://splitgeniusai.com/business-valuation-calculator", "description": "Estimate what your business is worth using four valuation methods: earnings multiple, revenue multiple, DCF, and asset-based.", "category": "financial", "keywords": [ "business valuation calculator", "what is my business worth", "company valuation", "business worth calculator", "earnings multiple calculator", "revenue multiple", "DCF calculator", "small business valuation", "EBITDA multiple", "business sale price" ], "inputDescription": "Most small businesses sell for 2-6x annual profit, but a SaaS company can command 10-20x. The spread between valuation methods matters -- your earnings multiple might say $2M while a DCF says $3.5M. Run all four methods with your actual numbers and industry to get a realistic range before you walk into any negotiation.", "exampleUrl": "https://splitgeniusai.com/business-valuation-calculator" }, { "name": "SaaS Metrics Calculator", "slug": "saas-metrics-calculator", "url": "https://splitgeniusai.com/saas-metrics-calculator", "description": "Get your MRR, ARR, churn, LTV, CAC, LTV:CAC ratio, Quick Ratio, and NDR from real numbers. Each metric benchmarked against industry standards.", "category": "financial", "keywords": [ "SaaS metrics calculator", "MRR calculator", "ARR calculator", "LTV CAC ratio", "churn rate calculator", "SaaS quick ratio", "net dollar retention", "ARPU calculator", "SaaS payback period", "SaaS health check" ], "inputDescription": "An LTV:CAC ratio under 3:1 means you are spending too much to acquire customers. A Quick Ratio under 4:1 means churn is eating your growth. Plug in your revenue, customer counts, and acquisition spend to see every metric investors will ask about -- and whether your numbers are healthy, mediocre, or a red flag.", "exampleUrl": "https://splitgeniusai.com/saas-metrics-calculator" }, { "name": "Freelance Rate Calculator", "slug": "freelance-rate-calculator", "url": "https://splitgeniusai.com/freelance-rate-calculator", "description": "Find the hourly rate that actually delivers your target take-home after self-employment tax, expenses, non-billable hours, and time off.", "category": "financial", "keywords": [ "freelance rate calculator", "what to charge per hour", "freelance hourly rate", "consulting rate calculator", "freelance pricing", "how much to charge freelance", "freelance income calculator", "contractor rate calculator", "freelance tax calculator", "billable hours calculator" ], "inputDescription": "If you want $100K take-home as a freelancer, you need to charge around $127/hour -- not the $50/hour that \"feels reasonable.\" The gap comes from 15.3% self-employment tax, 60-70% utilization (you cannot bill every hour), expenses, and the fact that nobody is paying your vacation days. This calculator shows the math most freelancers ignore.", "exampleUrl": "https://splitgeniusai.com/freelance-rate-calculator" }, { "name": "Invoice Calculator", "slug": "invoice-calculator", "url": "https://splitgeniusai.com/invoice-calculator", "description": "Add line items, apply tax and discounts, and get the exact invoice total without opening invoicing software. Built for freelancers and contractors.", "category": "financial", "keywords": [ "invoice calculator", "invoice total calculator", "invoice generator", "billing calculator", "freelance invoice", "tax on invoice", "invoice with discount", "line item calculator", "quote calculator", "estimate calculator" ], "inputDescription": "A $5,000 invoice with a 10% early-payment discount and 8% sales tax totals $4,860 -- not $4,500 and not $5,400. The order matters: discount first, then tax on the discounted amount. Add your line items, set your rates, and get the exact number to send your client without second-guessing the math.", "exampleUrl": "https://splitgeniusai.com/invoice-calculator" }, { "name": "Startup Runway Calculator", "slug": "startup-runway-calculator", "url": "https://splitgeniusai.com/startup-runway-calculator", "description": "See how many months of cash you have left, when to start fundraising, and the month you hit break-even based on burn rate and revenue growth.", "category": "financial", "keywords": [ "startup runway calculator", "burn rate calculator", "months of runway", "startup cash flow", "when to fundraise", "startup break even", "net burn rate", "gross burn rate", "startup financial planning", "startup cash runway" ], "inputDescription": "Running out of cash kills 38% of startups. If you have $300K in the bank and a $30K/month net burn, you have 10 months -- and you should have started fundraising 4 months ago. Plug in your cash, gross burn, revenue, and growth rate to see month-by-month projections and the exact date you need to either raise or break even.", "exampleUrl": "https://splitgeniusai.com/startup-runway-calculator" }, { "name": "Dollar Cost Averaging Calculator", "slug": "dollar-cost-average-calculator", "url": "https://splitgeniusai.com/dollar-cost-average-calculator", "description": "Compare DCA versus lump sum investing over any time period. See total return, average cost per share, and which strategy wins for your timeline.", "category": "financial", "keywords": [ "dollar cost averaging calculator", "DCA calculator", "DCA vs lump sum", "periodic investment calculator", "systematic investment", "average cost basis", "DCA strategy", "investment schedule calculator", "recurring investment", "DCA returns" ], "inputDescription": "Lump sum beats DCA about two-thirds of the time because markets trend up. But DCA means you will not panic-sell if the market drops 20% the week after you invest everything. Plug in your amount, frequency, and timeline to see projected returns for both strategies. The psychological safety of DCA has real value that the math does not capture.", "exampleUrl": "https://splitgeniusai.com/dollar-cost-average-calculator" }, { "name": "Options Profit Calculator", "slug": "options-profit-calculator", "url": "https://splitgeniusai.com/options-profit-calculator", "description": "See your max profit, max loss, and break-even for any call or put before you place the trade. Visualize the full P&L across stock prices.", "category": "financial", "keywords": [ "options profit calculator", "options P&L calculator", "call option calculator", "put option calculator", "options break even", "options ROI calculator", "stock options profit", "options payoff diagram", "options max profit loss", "options expiration calculator" ], "inputDescription": "A $100 call bought for $3 breaks even at $103. Below that, you lose up to $300 per contract. Above it, profit is unlimited. But do you know exactly where your P&L sits at $95? At $110? At $120? Plug in your strike, premium, and contracts to see the full payoff diagram before you risk real money.", "exampleUrl": "https://splitgeniusai.com/options-profit-calculator" }, { "name": "ETF Expense Ratio Calculator", "slug": "etf-expense-calculator", "url": "https://splitgeniusai.com/etf-expense-calculator", "description": "Compare two ETFs side by side to see how expense ratio differences compound into tens of thousands in lost returns over decades.", "category": "financial", "keywords": [ "ETF expense ratio calculator", "expense ratio comparison", "ETF fee calculator", "fund fee impact", "expense ratio cost", "ETF comparison tool", "index fund fees", "mutual fund expense ratio", "investment fee calculator", "total cost of ownership ETF" ], "inputDescription": "On $100K over 30 years, a 0.03% expense ratio costs $2,700 in fees. A 1.00% ratio costs $76,000. That is $73,000 lost to a difference you barely notice on the fund page. Enter two ETFs, your investment amount, and time horizon to see the year-by-year divergence. You will switch funds before you finish reading the results.", "exampleUrl": "https://splitgeniusai.com/etf-expense-calculator" }, { "name": "Latte Factor Calculator", "slug": "latte-factor-calculator", "url": "https://splitgeniusai.com/latte-factor-calculator", "description": "See the true 10- and 20-year cost of any daily spending habit when you factor in compound returns. That $5 coffee is worth $66K+ invested.", "category": "financial", "keywords": [ "latte factor calculator", "daily spending calculator", "coffee money calculator", "small expense compound", "opportunity cost daily spending", "latte factor David Bach", "how much does coffee cost per year", "daily expense impact", "compound interest small amounts", "spending habit calculator" ], "inputDescription": "This is not about shaming you for buying coffee. If you earn $200K, a $5 latte is irrelevant. But if you spend $30/day on lunch, delivery, and impulse buys without realizing it? That is $10,950/year and $157,000 in 20 years at 8% returns. Plug in your actual daily habits and see the invested value. Then decide which ones are worth it to you.", "exampleUrl": "https://splitgeniusai.com/latte-factor-calculator" }, { "name": "Opportunity Cost Calculator", "slug": "opportunity-cost-calculator", "url": "https://splitgeniusai.com/opportunity-cost-calculator", "description": "Compare any two financial options side by side with inflation-adjusted returns. See which path leaves you richer over your chosen time horizon.", "category": "financial", "keywords": [ "opportunity cost calculator", "compare financial options", "investment comparison calculator", "pay off mortgage vs invest", "rent vs buy calculator", "financial decision tool", "option comparison", "real vs nominal returns", "inflation adjusted return", "financial trade-off calculator" ], "inputDescription": "A $10,000 vacation does not cost $10,000 -- it costs $21,589 in future wealth at 8% over 10 years. Every spending decision has a hidden price tag. Compare any two options -- invest vs pay off mortgage, rent vs buy, spend now vs save -- with both nominal and inflation-adjusted returns. Make the call with real numbers, not gut feeling.", "exampleUrl": "https://splitgeniusai.com/opportunity-cost-calculator" }, { "name": "Property Tax Calculator", "slug": "property-tax-calculator", "url": "https://splitgeniusai.com/property-tax-calculator", "description": "Estimate your annual property tax from home value, assessment ratio, and millage rate. Compare effective rates across all 50 states.", "category": "tax", "keywords": [ "property tax calculator", "property tax estimator", "annual property tax", "millage rate calculator", "homestead exemption", "property tax by state", "real estate tax calculator", "how much property tax", "property tax rate", "assessed value calculator" ], "inputDescription": "A $300,000 home costs $810/year in property tax in Hawaii but $6,690/year in New Jersey. Same house, $5,880 difference. Plug in your home value, local assessment ratio, and millage rate to see your actual bill. Apply homestead and senior exemptions to reduce it further -- most homeowners qualify for at least one and never apply.", "exampleUrl": "https://splitgeniusai.com/property-tax-calculator" }, { "name": "Gift Tax Calculator", "slug": "gift-tax-calculator", "url": "https://splitgeniusai.com/gift-tax-calculator", "description": "See how much you can gift tax-free in 2025 ($19K per person, $13.99M lifetime) and calculate any tax owed on large transfers.", "category": "tax", "keywords": [ "gift tax calculator", "annual gift exclusion 2025", "lifetime gift exemption", "gift tax rate", "how much can I gift tax free", "gift splitting calculator", "gift tax return", "IRS gift tax", "gift tax exemption 2025", "wealth transfer tax" ], "inputDescription": "A married couple can give $38,000 per person per year to unlimited recipients with zero tax and zero reporting. That is $380,000 to 10 grandchildren without touching the $13.99M lifetime exemption. Plug in your gift amounts and recipients to see whether you owe anything, how much exemption you have used, and how gift splitting doubles your annual limit.", "exampleUrl": "https://splitgeniusai.com/gift-tax-calculator" }, { "name": "Tax-Loss Harvesting Calculator", "slug": "tax-loss-harvesting-calculator", "url": "https://splitgeniusai.com/tax-loss-harvesting-calculator", "description": "See your tax savings from selling losing investments to offset gains. Includes the $3,000 income deduction and carryforward to future years.", "category": "tax", "keywords": [ "tax loss harvesting calculator", "capital gains offset", "tax loss selling", "wash sale rule", "harvest investment losses", "capital loss deduction", "tax loss carry forward", "offset capital gains", "tax saving strategy", "investment tax calculator" ], "inputDescription": "You have $20K in gains and $25K in losses sitting in your portfolio. Harvest those losses and you offset all $20K in gains, deduct $3,000 from ordinary income, and carry $2,000 forward to next year. That saves roughly $4,100+ in taxes. Plug in your gains and losses to see your exact savings -- and remember the wash sale rule before buying anything back.", "exampleUrl": "https://splitgeniusai.com/tax-loss-harvesting-calculator" }, { "name": "Quarterly Estimated Tax Calculator", "slug": "quarterly-tax-calculator", "url": "https://splitgeniusai.com/quarterly-tax-calculator", "description": "Calculate your quarterly estimated tax payment for freelance and self-employment income. Hit the safe harbor threshold and avoid the penalty.", "category": "tax", "keywords": [ "quarterly tax calculator", "estimated tax payments", "self employment tax quarterly", "1099 tax calculator", "quarterly tax due dates", "estimated tax penalty", "safe harbor tax", "freelance quarterly taxes", "IRS estimated tax", "quarterly payment calculator" ], "inputDescription": "The IRS charges roughly 8% annualized interest on quarterly underpayments, and they do not send you a bill -- you are expected to know. If you freelance, have 1099 income, or sold investments, plug in your numbers to get your quarterly payment amount and due dates. The safe harbor rule (100% of last year's tax, or 110% if AGI was over $150K) is your penalty-proof floor.", "exampleUrl": "https://splitgeniusai.com/quarterly-tax-calculator" }, { "name": "Stock Cost Basis Calculator", "slug": "cost-basis-calculator", "url": "https://splitgeniusai.com/cost-basis-calculator", "description": "Find your true cost basis after stock splits, reinvested dividends, and commissions. Get the right number so you do not overpay on taxes.", "category": "tax", "keywords": [ "cost basis calculator", "stock cost basis", "adjusted cost basis", "capital gains calculator", "stock split cost basis", "reinvested dividends basis", "cost per share calculator", "long term vs short term gains", "stock tax calculator", "investment cost basis" ], "inputDescription": "After a 4:1 stock split, your cost per share is not your original purchase price -- it is one-quarter of it. Reinvested dividends also increase your basis because you already paid tax on that income. Getting this wrong means overpaying capital gains tax. Plug in your purchase details, splits, and dividends to see your true cost per share and estimated tax on any sale.", "exampleUrl": "https://splitgeniusai.com/cost-basis-calculator" }, { "name": "Workload Split Calculator", "slug": "workload-split-calculator", "url": "https://splitgeniusai.com/workload-split-calculator", "description": "Distribute tasks across your team based on capacity and skill. See utilization rates, overload flags, and a fairness score for the allocation.", "category": "splitting", "keywords": [ "workload distribution calculator", "split tasks among team", "workload splitter", "task allocation calculator", "team workload planner", "fair work distribution", "capacity planning tool", "workload balancer", "task assignment calculator", "team utilization calculator" ], "inputDescription": "Assigning tasks by gut feel means your best people burn out while others coast. Add your team members with capacity and skill ratings, enter the total task count, and get a proportional split that accounts for both. Anyone over 100% utilization gets flagged. The fairness score tells you whether the load is balanced or someone is carrying the team.", "exampleUrl": "https://splitgeniusai.com/workload-split-calculator" }, { "name": "Percentage Calculator", "slug": "percentage-calculator", "url": "https://splitgeniusai.com/percentage-calculator", "description": "Three modes: what is X% of Y, percentage change between two numbers, and what percent X is of Y. Every answer shows the formula.", "category": "financial", "keywords": [ "percentage calculator", "what is percent of", "percentage change calculator", "percent difference", "calculate percentage", "percent of number", "percentage increase decrease", "find percentage", "percent calculator online", "how to calculate percentage" ], "inputDescription": "A 25% increase followed by a 20% decrease does not get you back to where you started -- it leaves you 5% lower. Percentages are tricky like that. Three modes cover the questions people actually ask: what is 15% of 2,400 ($360), what is the change from 80 to 100 (25%), and 25 is what percent of 200 (12.5%). Every answer shows the math.", "exampleUrl": "https://splitgeniusai.com/percentage-calculator" }, { "name": "Age Calculator", "slug": "age-calculator", "url": "https://splitgeniusai.com/age-calculator", "description": "Get your exact age in years, months, days, weeks, and hours. See your zodiac, generation, birth day of the week, and birthday countdown.", "category": "financial", "keywords": [ "age calculator", "how old am I", "calculate age", "age in days", "days until birthday", "exact age calculator", "birthday calculator", "age in weeks", "zodiac sign calculator", "what generation am I" ], "inputDescription": "You are probably about 11,000 days old and have never thought about it that way. Enter your birthday and get the full breakdown -- years, months, days, total weeks, total hours, what day of the week you were born, your zodiac sign, your generation label, and exactly how many days until your next birthday. Set a target date to calculate your age at any point in time.", "exampleUrl": "https://splitgeniusai.com/age-calculator" }, { "name": "Date Calculator", "slug": "date-calculator", "url": "https://splitgeniusai.com/date-calculator", "description": "90 days from today is not 3 months. Get exact calendar math: days between any 2 dates, weekday counts, leap year handling, and add/subtract days. Free in 2026.", "category": "financial", "keywords": [ "date calculator", "days between dates", "add days to date", "date difference calculator", "how many days until", "subtract days from date", "business days calculator", "date duration", "weeks between dates", "months between dates" ], "inputDescription": "\"90 days from today\" is not 3 months -- it depends on which months. This calculator does actual calendar math with leap years and variable month lengths. Find days between two dates with weekday/weekend breakdowns, add days to get a future date, or subtract to find a past date. Every result includes the day of the week.", "exampleUrl": "https://splitgeniusai.com/date-calculator" }, { "name": "Average Calculator", "slug": "average-calculator", "url": "https://splitgeniusai.com/average-calculator", "description": "Get mean, weighted mean, median, mode, range, and standard deviation for any set of numbers. Assign weights for grade-style calculations.", "category": "financial", "keywords": [ "average calculator", "mean calculator", "median calculator", "mode calculator", "standard deviation calculator", "weighted average calculator", "statistics calculator", "calculate mean", "find median", "range calculator" ], "inputDescription": "The \"average\" household income is $105K but the median is $75K -- they tell very different stories. Mean gets pulled by outliers, median does not. Enter your numbers and get both, plus mode, range, and standard deviation. The weighted mean option handles grade calculations where a final exam counts 3x more than a quiz.", "exampleUrl": "https://splitgeniusai.com/average-calculator" }, { "name": "Random Number Generator", "slug": "random-number-generator", "url": "https://splitgeniusai.com/random-number-generator", "description": "Generate random numbers in any range with controls for quantity, decimal places, and duplicate prevention. Summary stats included.", "category": "financial", "keywords": [ "random number generator", "random number picker", "generate random numbers", "random number between", "lottery number generator", "dice roller", "random integer generator", "random decimal generator", "number randomizer", "pick random number" ], "inputDescription": "Need 6 unique numbers between 1 and 49? A random decimal between 0 and 1 to 8 places? Twenty integers from 1-100 with no repeats? Set your range, quantity, and options. Toggle duplicates off for lottery-style picks, or allow them for dice-roll simulations. Every batch shows min, max, sum, and average of the generated set.", "exampleUrl": "https://splitgeniusai.com/random-number-generator" }, { "name": "Number Base Converter", "slug": "number-base-converter", "url": "https://splitgeniusai.com/number-base-converter", "description": "Convert between binary, octal, decimal, and hex instantly. Enter a number in any base and see all four representations side by side.", "category": "financial", "keywords": [ "number base converter", "binary to decimal", "decimal to binary", "hex converter", "octal converter", "binary converter", "hexadecimal to decimal", "base conversion calculator", "number system converter", "binary to hex" ], "inputDescription": "Type 255 and see 11111111 in binary, 377 in octal, and FF in hex -- all at once. Enter in any base and get the other three instantly. If you work with CSS hex colors, Unix file permissions (chmod 755), IP subnets, or anything in computer science, this saves you from doing the conversion in your head.", "exampleUrl": "https://splitgeniusai.com/number-base-converter" }, { "name": "Scientific Notation Calculator", "slug": "scientific-notation-calculator", "url": "https://splitgeniusai.com/scientific-notation-calculator", "description": "Convert to and from scientific notation, multiply and divide in scientific notation. See coefficient, exponent, and engineering notation.", "category": "financial", "keywords": [ "scientific notation calculator", "convert to scientific notation", "scientific notation converter", "standard form calculator", "engineering notation", "exponent calculator", "multiply scientific notation", "divide scientific notation", "powers of ten", "notation converter" ], "inputDescription": "0.00045 becomes 4.5 x 10 to the negative 4. 320,000 becomes 3.2 x 10 to the 5th. Convert in either direction, or multiply and divide two numbers already in scientific notation. Every result includes engineering notation (exponents in multiples of 3) so you can read it as kilo, mega, giga without thinking.", "exampleUrl": "https://splitgeniusai.com/scientific-notation-calculator" }, { "name": "Fraction Calculator", "slug": "fraction-calculator", "url": "https://splitgeniusai.com/fraction-calculator", "description": "Add, subtract, multiply, or divide any two fractions with step-by-step solutions. See simplified results, decimals, and mixed numbers.", "category": "financial", "keywords": [ "fraction calculator", "add fractions", "subtract fractions", "multiply fractions", "divide fractions", "simplify fractions", "fraction to decimal", "mixed number calculator", "common denominator", "reduce fraction" ], "inputDescription": "1/3 + 1/4 is not 2/7 -- it is 7/12. The calculator finds the common denominator, does the operation, simplifies by GCD, and shows every step so you understand why. Results include the simplified fraction, decimal equivalent, and mixed number form. Use it for recipes, construction measurements, or homework where showing your work matters.", "exampleUrl": "https://splitgeniusai.com/fraction-calculator" }, { "name": "Exponent Calculator", "slug": "exponent-calculator", "url": "https://splitgeniusai.com/exponent-calculator", "description": "Calculate any power, nth root, or logarithm. See the result with a plain-English explanation and a table of related calculations nearby.", "category": "financial", "keywords": [ "exponent calculator", "power calculator", "square root calculator", "cube root calculator", "nth root calculator", "logarithm calculator", "log calculator", "x to the power of n", "exponentiation", "calculate powers" ], "inputDescription": "2 to the 10th is 1,024. The cube root of 27 is 3. Log base 2 of 256 is 8. Three modes cover powers, roots, and logarithms for any numbers you throw at it. Every result includes a plain-English explanation and a table of related calculations so you can see the pattern, not just the answer.", "exampleUrl": "https://splitgeniusai.com/exponent-calculator" }, { "name": "Unit Converter", "slug": "unit-converter", "url": "https://splitgeniusai.com/unit-converter", "description": "Convert length, weight, volume, temperature, area, speed, time, and data units instantly. See the formula and all common equivalents at once.", "category": "financial", "keywords": [ "unit converter", "convert units", "length converter", "weight converter", "volume converter", "temperature converter", "metric to imperial", "kg to lbs", "miles to km", "celsius to fahrenheit" ], "inputDescription": "70 kg is 154.3 lbs. 100 degrees F is 37.8 C. 16 cups make a gallon. Pick any category -- length, weight, volume, temperature, area, speed, time, or data storage -- and convert between any units in that category. Every result shows the formula and a full table of common equivalents so you get more than just the one answer you asked for.", "exampleUrl": "https://splitgeniusai.com/unit-converter" }, { "name": "Square Footage Calculator", "slug": "square-footage-calculator", "url": "https://splitgeniusai.com/square-footage-calculator", "description": "Calculate total square footage for multiple rooms. Get area in square feet, square meters, and acres for flooring, painting, or real estate.", "category": "financial", "keywords": [ "square footage calculator", "calculate square feet", "room area calculator", "square foot calculator", "home square footage", "floor area calculator", "sqft calculator", "area calculator", "room size calculator", "square meter converter" ], "inputDescription": "A 12x10 room is 120 square feet. A 2,000 sq ft house is about 186 square meters. Add as many rooms as you need -- the calculator totals everything with automatic metric conversion. Use it before buying flooring ($6-$12/sq ft installed), estimating paint (350 sq ft per gallon), or verifying that \"spacious\" apartment listing.", "exampleUrl": "https://splitgeniusai.com/square-footage-calculator" }, { "name": "Fuel Cost Calculator", "slug": "fuel-cost-calculator", "url": "https://splitgeniusai.com/fuel-cost-calculator", "description": "Calculate trip fuel cost from distance, MPG, and gas price. See gallons needed, total cost, cost per mile, and estimated CO2 emissions.", "category": "financial", "keywords": [ "gas cost calculator", "fuel cost calculator", "trip fuel cost", "gas calculator", "mpg calculator", "road trip cost", "fuel consumption calculator", "cost per mile", "gas mileage calculator", "driving cost calculator" ], "inputDescription": "A 300-mile trip at 25 MPG and $3.50/gallon costs exactly $42. Your daily 30-mile commute runs about $4.20 each way. Plug in any distance, your car's MPG, and local gas price to see the total fuel cost, cost per mile, and CO2 footprint. Works in both US and metric units for road trip budgeting or commute cost comparison.", "exampleUrl": "https://splitgeniusai.com/fuel-cost-calculator" }, { "name": "Password Generator", "slug": "password-generator", "url": "https://splitgeniusai.com/password-generator", "description": "Create strong random passwords with custom length and character types. See entropy, strength rating, and estimated time to crack.", "category": "financial", "keywords": [ "password generator", "random password generator", "strong password generator", "password creator", "secure password generator", "password strength checker", "generate password", "random password", "password maker", "passphrase generator" ], "inputDescription": "A 12-character password with mixed types has 79 bits of entropy and would take centuries to brute-force. A 16-character one is 10,000x harder. Set your length, toggle character types on or off, exclude ambiguous characters for readability, and generate up to 50 passwords at once. Every result shows the strength rating and estimated crack time so you know exactly how secure it is.", "exampleUrl": "https://splitgeniusai.com/password-generator" }, { "name": "Color Converter", "slug": "color-converter", "url": "https://splitgeniusai.com/color-converter", "description": "Convert any color between HEX, RGB, and HSL with live previews. Get complementary, analogous, and triadic harmony suggestions automatically.", "category": "financial", "keywords": [ "color converter", "hex to rgb", "rgb to hex", "hsl converter", "color picker", "hex color converter", "rgb to hsl", "color code converter", "complementary color finder", "color harmony generator" ], "inputDescription": "Your designer sends #FF5733. Your CSS needs RGB. Your brand guide uses HSL. Enter any format and get all three instantly, plus RGBA and HSLA. The converter also generates complementary, analogous, and triadic color harmonies with live swatches -- useful for picking accent colors without opening a full design tool.", "exampleUrl": "https://splitgeniusai.com/color-converter" }, { "name": "Character Counter", "slug": "character-counter", "url": "https://splitgeniusai.com/character-counter", "description": "Count characters, words, sentences, and paragraphs in real time. See reading time (238 WPM), speaking time (150 WPM), and platform limits.", "category": "financial", "keywords": [ "character counter", "word counter", "character count", "word count", "letter counter", "text counter", "reading time calculator", "sentence counter", "paragraph counter", "text length checker" ], "inputDescription": "Twitter caps you at 280 characters. Meta descriptions need 150-160. An SMS is 160. Paste your text and see character count (with and without spaces), words, sentences, paragraphs, reading time, and speaking time -- all updating as you type. Stop guessing whether your copy fits the limit.", "exampleUrl": "https://splitgeniusai.com/character-counter" }, { "name": "Cost to Raise a Child Calculator", "slug": "cost-to-raise-a-child-calculator", "url": "https://splitgeniusai.com/cost-to-raise-a-child-calculator", "description": "A middle-income family spends $310,605 to raise a child to 18. Enter your region, income, and child count to see your year-by-year cost breakdown.", "category": "life-events", "keywords": [ "cost to raise a child calculator", "child cost calculator", "how much does it cost to raise a child", "raising a child cost 2026", "USDA child cost", "child expenses calculator", "cost of raising a child by state", "baby cost calculator", "child cost by income", "cost of children" ], "inputDescription": "Calculate the total cost of raising a child from birth through age 18 using USDA expenditure data adjusted for your region, income level, and family size. See year-by-year costs broken down by housing, food, childcare, healthcare, and more — plus optional college estimates.", "exampleUrl": "https://splitgeniusai.com/cost-to-raise-a-child-calculator" }, { "name": "Electric vs Gas Car Calculator", "slug": "electric-vs-gas-car-calculator", "url": "https://splitgeniusai.com/electric-vs-gas-car-calculator", "description": "The average EV saves $1,200/year in fuel and $600/year in maintenance over a gas car. Enter your driving habits to see the full cost comparison.", "category": "seo-magnets", "keywords": [ "electric vs gas car calculator", "EV vs gas cost comparison", "electric car savings calculator", "should I buy an electric car", "EV cost of ownership", "gas vs electric car 2026", "EV break even calculator", "electric car total cost", "EV tax credit calculator", "electric car vs gas car cost" ], "inputDescription": "Compare the total cost of ownership between an electric vehicle and a gas car over your planned ownership period. Includes purchase price, fuel costs, maintenance, tax credits, and CO2 emissions with a year-by-year breakdown showing exactly when the EV breaks even.", "exampleUrl": "https://splitgeniusai.com/electric-vs-gas-car-calculator" }, { "name": "House vs Apartment Calculator", "slug": "house-vs-apartment-calculator", "url": "https://splitgeniusai.com/house-vs-apartment-calculator", "description": "Renting at $1,500/month costs $270,000 over 15 years with zero equity. Buying builds equity but adds hidden costs. See which is cheaper for your situation.", "category": "seo-magnets", "keywords": [ "house vs apartment calculator", "rent vs buy calculator", "should I buy or rent", "rent vs buy 2026", "cost of renting vs buying", "home buying calculator", "rent or buy comparison", "apartment vs house cost", "is it cheaper to rent or buy", "renting vs owning calculator" ], "inputDescription": "Compare the true cost of renting an apartment versus buying a house over your planned time horizon. Factors in mortgage payments, property taxes, maintenance, HOA fees, home appreciation, rent increases, and equity building to show which option costs less net of equity.", "exampleUrl": "https://splitgeniusai.com/house-vs-apartment-calculator" }, { "name": "Payoff Date Calculator", "slug": "payoff-date-calculator", "url": "https://splitgeniusai.com/payoff-date-calculator", "description": "Adding $100/month extra to a $10,000 balance at 18% APR saves $3,200 in interest and pays off 2 years sooner. See your exact payoff date.", "category": "financial", "keywords": [ "payoff date calculator", "debt payoff calculator", "when will I be debt free", "loan payoff date", "credit card payoff calculator", "extra payment calculator", "debt free date calculator", "how long to pay off debt", "amortization calculator", "debt payoff schedule" ], "inputDescription": "Calculate exactly when you will pay off your debt and how much interest you will pay. See how extra payments accelerate your payoff date, reduce total interest, and build an amortization schedule showing month-by-month progress toward debt freedom.", "exampleUrl": "https://splitgeniusai.com/payoff-date-calculator" }, { "name": "Shared Office Cost Calculator", "slug": "shared-office-calculator", "url": "https://splitgeniusai.com/shared-office-calculator", "description": "Split shared office rent by desk size, common area usage, conference room access, and days per week. Fair cost allocation for coworking spaces.", "category": "splitting", "keywords": [ "shared office calculator", "coworking cost calculator", "office rent split calculator", "shared workspace cost", "split office rent", "coworking space calculator", "office space cost per person", "shared office cost allocation", "desk cost calculator", "office split by square footage" ], "inputDescription": "Calculate fair cost splits for shared office spaces based on desk square footage, common area usage, conference room access, and days per week. Handles part-time members, different desk sizes, and shared amenities to give each person a transparent monthly cost breakdown.", "exampleUrl": "https://splitgeniusai.com/shared-office-calculator" } ] }