honestcalc
Free calculators with transparent models, real tax logic, and zero hidden agendas. No lead capture. No sponsored results. Just numbers you can trust.
Real Estate
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Buy vs. Rent
Should you buy a home or keep renting? Compares total cost of ownership against renting and investing the difference, including opportunity cost, tax benefits, and maintenance.
Opportunity Cost Tax Deductions Wealth Comparison
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Sell or Keep Renting?
Should you sell your rental and invest in stocks, or keep collecting rent? Models three strategies with auto-calculated tax brackets, depreciation, passive loss rules, §121, and 1031 exchanges.
3 Strategies Tax Modeling Depreciation CapEx
Options & Financing
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SPX Box Spread Calculator
Borrow cash at near-treasury rates using SPX European options. Walks you through structuring the trade step by step — enter your loan amount, pick a duration, plug in your broker's quote, and get the exact 4-leg combo with implied financing rate and repayment breakdown.
New Synthetic Loan Imputed Interest Trade Structure
Why these exist
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No agenda
Most calculators are built by companies selling you something. These aren't. The math doesn't care what you decide.
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Transparent models
Every assumption is visible and adjustable. Full methodology documented. Nothing hidden in a black box.
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Real tax logic
Marginal rates, LTCG, NIIT, depreciation recapture, passive loss rules — not just a flat "tax rate" input.
HonestCalc — for informational purposes only, not financial or tax advice.
Built by a landlord who got tired of bad spreadsheets.