Tools
Every HarborPlain calculator and tracker in one place. All are free, ask for no email, and run entirely in your browser. Search by name or filter to the decision in front of you.
Showing 20 of 20 tools
Life Insurance Calculator
A quick 10-second ballpark from the 10× income rule: a fast starting point, no line-by-line breakdown. Want an exact figure? Use the detailed DIME calculator.
Open tool →Life Insurance Needs Calculator
The detailed DIME worksheet (debts, income, mortgage, and education, minus what you already have) for a precise, obligation-based number, with an illustrative 20-year term premium.
Open tool →HDHP vs PPO Baby Cost Comparator
Compare the total annual cost of an HDHP (with HSA) and a PPO for a childbirth year: premiums, deductible, coinsurance, and out-of-pocket max. Computes both from your numbers; no assumed winner.
Open tool →COBRA Cost Calculator
See your real monthly COBRA cost when job-based coverage ends: the full premium plus the admin fee, the jump from your old paycheck share, and a side-by-side with a Marketplace plan.
Open tool →Umbrella Insurance Calculator
How much excess liability coverage to carry: protect your net worth and income on top of your auto and home limits, with an illustrative premium range.
Open tool →Stay-at-Home Parent Value Calculator
Put a dollar figure on the childcare, cooking, cleaning, driving, and admin a stay-at-home parent does, then see the life cover it would take to replace it.
Open tool →Short-Term Disability Calculator
Estimate what short-term disability pays during maternity leave: weekly benefit, paid weeks after the waiting period, and the income gap to plan around. Works from your own plan terms.
Open tool →Baby Cost Calculator
Estimate your baby's first-year cost: adjust eight categories, compare feeding and childcare scenarios, and see the monthly figure.
Open tool →Nanny Tax Calculator
The true cost of a nanny: Social Security, Medicare, FUTA, and state unemployment taxes on top of wages, then a nanny vs daycare comparison that flips with the number of children.
Open tool →529 vs UTMA Comparator
Project what a 529 plan and an UTMA account would each be worth at 18, and see how they differ on taxes, control, and financial aid.
Open tool →Custodial Roth IRA Calculator
See what a working child's custodial Roth IRA could grow to by retirement: small early contributions, capped at earned income, compounding tax-free for decades.
Open tool →529 State Tax-Deduction Optimizer
Pick your state and see the state income-tax you'd save on a 529 contribution: deduction or credit, per-beneficiary caps, parity, owner-only, and April deadlines. All 50 states + DC.
Open tool →Kiddie Tax Calculator
Estimate the tax on a child's unearned income: the tax-free tier, the child's rate, and the amount taxed at the parent's rate. The UTMA's main drawback, quantified.
Open tool →College Savings Goal Calculator
Set a college-cost target and see the monthly saving required to hit it, with college inflation and growth on what you already have.
Open tool →HSA Contribution Limit Calculator
Prorate your HSA limit for a mid-year start: the safe sum-of-months figure and the full-year last-month rule side by side, with the testing-period trap and 55+ catch-up. 2025 & 2026 IRS limits.
Open tool →Will & Guardianship Checklist
Tick through the guardian, will, and beneficiary decisions that protect your child, then print the summary for your attorney.
Open tool →Pregnancy Week-by-Week Tracker
See your current week, trimester, and countdown, with a checklist of the money and legal decisions to make before the birth.
Open tool →Baby Registry Checklist & Budget
Every item worth putting on a baby registry, grouped and marked essential or nice-to-have, with a running budget that adds up as you tick. Saved on your device.
Open tool →Hospital Bag Checklist
A tickable packing list for the birth: what to bring for you, the baby, and your partner, plus the paperwork. Saved on your device, printable, no medical advice.
Open tool →Diaper Size & Cost Calculator
Find the right diaper size by weight (Pampers and Huggies kept separate, since the brands differ), then estimate how many a month and the cost to potty training.
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