Support Holdentree
No ads.
No subscriptions.
Just pure free
Holdentree exists to take the money decisions that are genuinely hard to work out and make them finally make sense. It runs on the Community Fund — a grand name for people buying the odd coffee.
Thirty seconds. No account. Your card never touches this site.
No asterisks, no fine print
No ads
Not one. Not even a tasteful one. Not even later when I'm broke.
No paid tier
Every calculator is fully unlocked. There is no Pro. Stop looking.
Your figures stay put
Whatever you type is worked out in this tab and never sent anywhere. I never see a number of yours.
100% static
Every page is a prerendered file off a CDN. Nothing here is built per visitor.
Keeping this free, accurate, and independent
Free is the easy part. Free, current, and unbought is the work.
There are no ads to sell, no sponsor deciding which calculator gets built next, and no affiliate link steering you toward somebody's product. That is not a business model — it is a thing readers pay for, a coffee at a time, and it is the only reason this site can just answer the question you arrived with.
Accurate when the year turns
Brackets, contribution limits, and thresholds all move. Every tool that leans on one gets re-read against the new figures, so what you get back is this year's answer — not whatever was true three years ago.
Independent, and not for sale
No sponsor decides what gets built, and no affiliate link nudges you toward anyone's product. Readers cover the one invoice that does arrive — the domain, every year — and that is exactly why nothing here has to be sold to you.
And the part that never lands on an invoice at all.
The time. Every tool here gets designed, built, checked against real figures, and then maintained forever as tax rules and browsers shift underneath it. Support is what buys that attention — and that attention is the whole difference between a calculator that is right today and one that quietly stopped being right and never mentioned it.
Pick a number, any number
$1
A whole dollar. No notes.
$2
Two. Now it's a habit.
$3
Enough to feel it. Barely.
$4
Getting suspiciously generous.
$5
You absolute legend.
Custom amount
The biggest box on the page, and the one that actually keeps the lights on. Pick your own number. There is no upper limit — I checked.
That button is loaded from Buy Me a Coffee, and it is the one third-party script on this entire site. It lives here and nowhere else. Checkout happens on their domain — your card never touches this one.
Tight on cash? You're still welcome
Send it to one person
Someone you know is building a payoff spreadsheet right now. Save them.
Tell me it's broken
A good bug report is worth a coffee. Occasionally two.
Ask for a tool
Every calculator here exists because somebody asked for it.
Just keep using it
Genuinely. That was the entire point of building the thing.
Things you're probably wondering
Do you see my card details?
No. Checkout happens on Buy Me a Coffee. This site has no server to receive them with.
Does it unlock anything?
There are no paywalls to unlock — every calculator is already fully free and open, for everyone. Support simply keeps the lights on and the numbers up to date.
Can I give once instead?
That's the default. Nothing recurring starts unless you deliberately go looking for it.
Is it tax-deductible?
Absolutely not. It's a coffee. Please do not tell your accountant otherwise.
Do you know I'm here?
In aggregate, yes — and it would be dishonest to imply otherwise. The site counts page views and measures how fast pages load, through Vercel. It is cookieless, there is no account and no profile, and nothing follows you to another site: what it tells me is which calculators people actually use and which pages are slow, which is how I decide what to fix next. What you type into a calculator is never part of it, because it never leaves your browser in the first place.
So nothing at all is stored?
Two things are, and both only in your own browser: whether you asked for dark mode, and whatever you last typed into a calculator, so its figures are still there when you come back. Neither is a cookie, neither is sent anywhere — no calculator figure ever leaves your browser — and clearing your browser data erases both. Every calculator also has a Clear button that wipes its saved figures on the spot.
If something here saved you an hour — or a genuinely bad decision — that's what the fund is for.
No ads, no subscriptions, no paywalls. Just the people who use it, keeping it up.