For informational purposes only. Consult a healthcare professional.
Calculate your Body Mass Index using US standard (imperial units). CDC healthy range: 18.5–24.9
Body Mass Index (BMI) is a simple screening tool used by the CDC and NIH to categorize weight status. It's calculated by dividing your weight in pounds by height in inches squared, then multiplying by 703. While BMI is a useful starting point, it doesn't directly measure body fat or account for muscle mass, bone density, age, or gender differences.
CDC adult BMI categories: Underweight (below 18.5), Healthy Weight (18.5–24.9), Overweight (25.0–29.9), Obese (30.0 and above). For most adults, a healthy BMI range corresponds to a lower risk of heart disease, type 2 diabetes, and high blood pressure.
Estimate your Total Daily Energy Expenditure using the Mifflin-St Jeor formula. Includes weight loss & muscle gain targets.
Your Total Daily Energy Expenditure (TDEE) is the total number of calories you burn each day, including your Basal Metabolic Rate (BMR) plus the calories burned through physical activity and digesting food. The Mifflin-St Jeor equation used here is considered the most accurate formula for estimating BMR by the Academy of Nutrition and Dietetics.
General guidelines: To lose ~1 lb/week, create a 500 calorie/day deficit (eat at TDEE minus 500). To gain muscle, eat 250–500 calories above TDEE with consistent resistance training. The FDA's general reference intake is 2,000 calories/day for an average adult, but your actual needs may vary significantly.
Calculate how many ounces of water you should drink daily based on your weight, activity, and climate.
The National Academies of Sciences recommends about 3.7 liters (125 oz) of total water daily for men and 2.7 liters (91 oz) for women — this includes water from all beverages and foods. About 20% of water intake typically comes from food. The common "8 glasses a day" rule is a rough guideline; your actual needs depend on body weight, activity level, climate, and health status.
Signs you're well hydrated: light yellow urine, rarely feeling thirsty, urinating every 2–4 hours. Signs of dehydration: dark yellow or amber urine, fatigue, headache, dry mouth. In hot weather or during intense exercise, electrolyte replacement (sodium, potassium) is also important alongside water.
Calculate your exact age in years, months, and days. Includes next birthday countdown and zodiac sign.
Based on CDC recommendations and 90-minute sleep cycles, find your ideal bedtime for your wake-up time.
The CDC recommends adults (18–60 years) get at least 7 hours of sleep per night. Teenagers need 8–10 hours, school-age children 9–12 hours. Chronic sleep deprivation is linked to obesity, heart disease, type 2 diabetes, mental health issues, and a weakened immune system. The American Academy of Sleep Medicine and Sleep Research Society both recommend 7–9 hours as optimal for adult health.
Sleep occurs in ~90-minute cycles of light sleep, deep sleep (slow-wave), and REM (rapid eye movement). Waking naturally at the end of a cycle — rather than mid-cycle — results in feeling more refreshed. The ideal bedroom temperature for sleep is 65–68°F (18–20°C).
For informational purposes only. Not financial advice.
Calculate monthly payments, total interest, and amortization schedule for your US home loan.
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A mortgage is a loan used to purchase real estate, typically repaid over 15 or 30 years. As of 2024, the average 30-year fixed mortgage rate in the US is around 6.5–7.5% (check current rates at Freddie Mac's PMMS). Your monthly payment covers principal (loan balance) and interest, but your actual housing cost also includes property taxes, homeowner's insurance, and possibly PMI (Private Mortgage Insurance, required when down payment is less than 20%).
A common rule of thumb: your total housing costs should not exceed 28–30% of your gross monthly income (front-end DTI ratio). Lenders typically require a credit score of 620+ for conventional loans, with better rates for scores above 740. First-time buyers may qualify for FHA loans with as little as 3.5% down.
Estimate your 401(k) balance at retirement based on your contributions, employer match, and investment growth.
A 401(k) is an employer-sponsored retirement savings plan that allows you to contribute pre-tax dollars, reducing your taxable income today. In 2024, the IRS contribution limit is $23,000 (under 50) or $30,500 (50 and over, with $7,500 catch-up). Employer matching is essentially free money — always contribute at least enough to capture the full match.
Traditional 401(k) contributions are tax-deferred (you pay tax when you withdraw in retirement). Roth 401(k) contributions are after-tax (withdrawals in retirement are tax-free). Investments inside a 401(k) grow tax-deferred. The rule of thumb: aim to save 15% of your income for retirement, including employer contributions.
Estimate your 2024 US federal income tax based on IRS tax brackets, filing status, and standard deduction.
The US uses a progressive tax system — you don't pay your top rate on all income, only on income within each bracket. For 2024, single filers have 7 brackets ranging from 10% to 37%. The standard deduction is $14,600 for single filers and $29,200 for married filing jointly — most Americans take this instead of itemizing.
Key deductions and credits to know: 401(k) contributions reduce your taxable income dollar-for-dollar. The Child Tax Credit is up to $2,000 per qualifying child. The Earned Income Tax Credit benefits lower-income workers. Student loan interest deduction (up to $2,500). Homeowners can deduct mortgage interest and property taxes (up to $10,000 SALT cap) if they itemize.
Calculate tip amount and total bill per person. Supports splitting between multiple people.
Tipping customs in the US: Restaurants: 15–20% for sit-down dining, 10% for buffets. Bars: $1–2 per drink or 15–20%. Delivery: 10–15% (minimum $2–5). Taxi/Rideshare: 15–20%. Hotel housekeeping: $2–5/night. Salon/spa: 15–20%.
Tip is calculated on the pre-tax amount, though many people tip on the total. In states with higher cost of living (NYC, LA, SF), 20%+ has become the standard. Counter service and coffee shops: optional but appreciated.
Calculate monthly payments, total interest, and payoff timeline for federal and private student loans.
Federal student loan interest rates for 2024–25: Undergraduate Direct Subsidized/Unsubsidized: 6.53%, Graduate Direct Unsubsidized: 8.08%, Direct PLUS Loans: 9.08%. Private loan rates vary widely (4–16%) based on credit score. Federal loans offer income-driven repayment (IDR) plans, deferment, and Public Service Loan Forgiveness (PSLF).
Repayment options: Standard (10 years), Graduated (starts low, increases), Income-Driven (SAVE, PAYE, IBR — payments based on income, forgiveness after 10–25 years). Always exhaust federal options before considering private refinancing.
Find out how long it takes to pay off your credit card debt and how much interest you'll pay. Compare strategies.
The average US credit card APR hit a record 24.37% in 2024. At this rate, a $5,000 balance making only minimum payments (~2% of balance) would take over 20 years and cost more than $7,000 in interest alone. The avalanche method (pay highest APR first) saves the most money; the snowball method (pay smallest balance first) provides psychological momentum.
Strategies to accelerate payoff: Balance transfer to a 0% APR card (12–21 months intro period, 3–5% transfer fee), personal loan at lower rate, biweekly payments instead of monthly (one extra payment per year). Even $50 extra per month can shave years off your payoff timeline.