Professional financial tools, built for ministry.
Calculators churches and pastors can actually trust — sourced directly from IRS Topic 417, Publication 517, and IRC §107. Plus our original library of personal finance tools.
Calculators built specifically for clergy and church leaders.
Every formula sourced directly from IRS regulations, with the depth of analysis a clergy CPA would expect.
Pastor Housing Allowance Calculator
Find the right housing allowance amount and recommended designation for your situation. Runs the IRS “lesser of three” test with optimization findings and audit defense checklist.
Open CalculatorSelf-Employment Tax Calculator for Clergy
Calculate the self-employment tax (SECA) you owe on your full ministerial compensation — including housing allowance and parsonage value. Quarterly payment breakdown plus the half-deduction most pastors miss.
Open CalculatorParsonage Fair Rental Value
Document defensible fair rental value for IRS-compliant housing allowance support. Three methodologies side-by-side with documentation summary you can save.
Open CalculatorPastor Take-Home Pay Calculator
What actually hits your bank account: salary plus housing allowance, minus federal income tax, state tax, and SECA. The only paycheck calculator that handles clergy correctly.
Open CalculatorBivocational Pastor Tax Calculator
Combined FICA + SECA when you have both W-2 employment and ministerial income. Handles the Social Security wage base interaction across both income sources.
Open CalculatorChurch Compensation Calculator
Build a fair total compensation package: salary, housing allowance, retirement contributions, benefits, and SECA reimbursement. Defensible against denominational benchmarks.
Open CalculatorTools churches and clergy can actually trust.
Most ministry finance resources are PDFs, blog posts, or generic tools that don’t understand clergy tax law. We built calculators that meet the bar.
IRS-sourced math
Every formula traces directly to IRS Topic 417, Publication 517, IRC §107, or Schedule SE. Cited inline.
Ministry-specific
Built specifically for clergy tax law — not retrofitted from generic finance tools that don’t understand the dual-status rules.
CFO-level depth
Beyond the number: optimization findings, multi-year considerations, action items, and audit defense.
No dark patterns
No fake urgency. No misleading defaults. No spam. No emails you didn’t ask for.
Plus our original personal finance calculators.
The general-purpose tools that started Calcovi — for mortgages, debt payoff, retirement planning, paychecks, and more.
Mortgage Payment Calculator
Full PITI breakdown with state-by-state property tax and insurance averages.
Calculate →Refinance Calculator
Break-even analysis with monthly and lifetime savings comparison.
Calculate →How Much House Can I Afford?
The 28/36 rule with real numbers — based on your income, not the bank’s.
Calculate →Down Payment Calculator
Plan your savings target with PMI thresholds and timeline projections.
Calculate →Debt Snowball Calculator
See exactly when you’ll be debt-free and how much interest you’ll skip.
Calculate →Take-Home Paycheck Calculator
Federal, state, and FICA — the actual amount that hits your account.
Calculate →401(k) Calculator
Project your retirement balance with employer match and inflation.
Calculate →Budget Builder (50/30/20)
Build a realistic monthly budget with category breakdowns and savings goals.
Calculate →Ready to run the numbers?
Whether you’re a pastor figuring out housing allowance or a homebuyer running affordability — pick a calculator and get the answer your situation actually deserves.