Free tools
The family money calculators
Every free tool on this site, in one place. No signup to run a number — the loan math, the gift-tax check, the current AFR, and the documents, built for money that moves between family members.
Family loans
The rate, the payment, and the paperwork.
CalculatorFamily loan calculatorMonthly payment, total interest, the minimum IRS rate (AFR), a gift-tax check, and a downloadable amortization schedule.
Updated monthlyCurrent AFR ratesThe minimum interest to charge on a family loan, by term — July 2026 rates.
CalculatorImputed-interest calculatorThe gift you create when you lend below the AFR.
GeneratorFamily promissory note generatorAn editable family loan agreement, AFR-aware.
Decision toolGift or loan?Answer a few questions, get the right instrument — gift, documented loan, 529, or direct-pay.
Gifting & gift tax
The $19,000 exclusion, the lifetime exemption, and Form 709.
CalculatorGift tax & Form 709 checkerWho exceeds the annual exclusion, whether a 709 is due, and lifetime exemption used.
Free downloadGift & 709 ledger (Excel)Track gifts against the exclusion and lifetime exemption, year over year.
GeneratorGift letter generatorThe mortgage-ready gift letter, filled in properly.
ComparisonGift now vs. inherit laterCarryover basis vs. step-up — what the timing means in tax.
College & estate
For your site
Want the reasoning behind the numbers? The plain-English guides explain the rules these tools apply — the AFR, the annual exclusion, Form 709, and the rest.
General information, not tax or legal advice. Figures are indexed and change; confirm current numbers with the IRS and a CPA.