# FlareLodge

> FlareLodge (flarelodge.com) offers free, private calculators that run in the browser with no sign-up, and original data pages built from U.S. government data (EIA, Census Bureau, Federal Reserve, Freddie Mac, CDC). Every data page states its source, release date and method, offers a CSV download, and is free to cite with a link; data pages are licensed CC BY 4.0. Calculators show their formula and cite the published equations they use. Figures are estimates for planning, not financial, tax or medical advice.

## Topic guides

- [Mortgage calculators: payoff options compared](https://flarelodge.com/mortgage/): one $300,000 30-year loan at 7.11% (Freddie Mac PMMS, week of 2026-11-12) run through every mortgage calculator: payment $2,018.12, $100 extra a month saves $71,271, biweekly saves $105,980, a 15-year at 6.45% saves $257,607; plus which calculator to use first.
- [Healthy weight calculators: BMI, ideal weight, calories](https://flarelodge.com/health/): a 40-year-old woman at 5'4" and 171.8 lb and a man at 5'9" and 199 lb (CDC average weights) run through every health calculator: healthy range 108–145 lb and 125–169 lb, BMI 29.5 and 29.4, 1,472 and 1,979 kcal a day to lose about 1 lb a week; plus which calculator to use first.
- [Everyday math: percent and average per day](https://flarelodge.com/everyday/): how to calculate an average per day with a fixed example ($1,500 over November 2026 is $50.00 per calendar day across 30 inclusive days, $51.72 if only the 29-day gap is counted, $78.95 per business day across 19); five worked percentage questions (80 to 92 is +15%, 92 to 80 is −13.04%, a 20% drop needs +25% to recover); 2026 has 250 federal business days.

## Data pages

- [Residential electricity rates by state](https://flarelodge.com/data/electricity-rates-by-state/): The U.S. residential average was 18.16 cents per kWh in August 2026 (preliminary, EIA Electric Power Monthly Table 5.6.A, released 2026-10-23); Hawaii was highest at 47.18 cents and Nevada lowest at 12.72 cents.
- [Residential natural gas prices by state](https://flarelodge.com/data/natural-gas-prices-by-state/): The U.S. residential natural gas price was $15.34 per Mcf (about $1.48 per therm) in 2025 (EIA, released 2026-10-30); Hawaii was highest at $52.38 per Mcf and Idaho lowest at $7.69.
- [Mortgage payment by state](https://flarelodge.com/data/mortgage-payment-by-state/): The median U.S. home ($360,600, Census ACS 2024) costs about $2,208 a month with 20% down at 7.11% (Freddie Mac, week of November 12, 2026), 32.5% of median household income; Hawaii is highest at $4,913 and West Virginia lowest at $993.
- [Mortgage payment by home price and loan amount](https://flarelodge.com/data/mortgage-payment-by-loan-amount/): A $300,000 house with 20% down costs about $1,837 a month ($1,614 principal and interest plus $223 property tax) at the Freddie Mac average 30-year rate of 7.11%; tables cover $100k to $1M and rates from 5.5% to 8%.
- [How much house you can afford by salary](https://flarelodge.com/data/house-affordability-by-salary/): On a $100,000 salary the 28% rule allows $2,333 a month, enough for a home of about $380,000 with 20% down at the Freddie Mac average 30-year rate of 7.11%, including property tax; salaries from $40k to $300k are covered.
- [Ideal weight chart by height](https://flarelodge.com/data/ideal-weight-chart/): The four ideal body weight formulas (Devine, Robinson, Miller, Hamwi) give 120–129 lb for a 5'4" woman and 155–165 lb for a 5'10" man; the CDC healthy BMI range at those heights is 108–145 lb and 129–174 lb.
- [Average weight by height for women and men](https://flarelodge.com/data/average-weight-by-height/): The average 5'4" American woman weighs 171 lb (median 163 lb) and the average 5'10" man 206 lb (median 199 lb), from weights measured by the CDC in NHANES August 2021–August 2023; across all heights women average 171.8 lb and men 199.0 lb.
- [Retirement savings by age](https://flarelodge.com/data/retirement-savings-by-age/): 54.9% of U.S. families had a retirement account in the Federal Reserve's 2025 Survey of Consumer Finances; the median balance for those who have one is $21,000 under 35 and $239,000 at 55–64.

## Numbers Behind the News

Explainers on news stories that touch personal finance, each worked through with a FlareLodge calculator. Index: https://flarelodge.com/news/

- [El Niño winter 2026–27: EIA heating bill outlook and space heater math](https://flarelodge.com/news/el-nino-winter-heating-bill-space-heater-math/) (published 2026-11-12, facts checked 2026-11-12): NOAA expects a strong-to-very strong El Niño through early 2027 and EIA expects electric heating bills up 4% this winter; one 1,500 W space heater run 8 hours a day for 30 days uses 360 kWh, $65.38 at the U.S. average 18.16¢/kWh ($45.79 in Nevada, $169.85 in Hawaii).
- [October 2026 CPI: why there is no yearly rate, and your savings math](https://flarelodge.com/news/cpi-inflation-report-savings-math/) (published 2026-11-10, facts checked 2026-11-10): BLS published October 2026 CPI on November 10: all items up 0.4% for the month, but no 12-month change for most indexes (October 2025 prices were never collected); at the latest official rate, 3.7% for September 2026, $10,000 in a 0.38% savings account buys $9,679.91 of today's goods after a year, $320.09 less.
- [Meta Muse, the AI agent that negotiates: the car loan math to check](https://flarelodge.com/news/meta-muse-ai-agent-car-loan-math/) (published 2026-11-09, facts checked 2026-11-09): Meta's Muse agent (launched September 8, 2026) can negotiate and pay on a user's behalf; on a $35,000, 72-month car loan at 7.17% the payment is $599.58, and $2,000 off the price saves $2,467 in total (payment $565.31) while one point off the APR saves $1,203 (payment $582.86).

## Calculators

### Mortgage & Housing

- [Mortgage Payment Calculator](https://flarelodge.com/mortgage/mortgage-payment-calculator/): Estimate your monthly mortgage payment, including principal, interest, property tax, insurance, PMI and HOA. Free, no sign-up, runs in your browser.
- [Amortization Schedule Calculator](https://flarelodge.com/mortgage/amortization-schedule/): Build a year-by-year amortization schedule for any fixed-rate loan: principal paid, interest paid and remaining balance. Free and instant.
- [Extra Payment Calculator](https://flarelodge.com/mortgage/extra-payment-calculator/): See how much interest and time you save by adding extra principal to your mortgage each month, with a side-by-side balance comparison.
- [Biweekly Mortgage Payment Calculator](https://flarelodge.com/mortgage/biweekly-mortgage-calculator/): Find out how paying half your mortgage every two weeks shortens the loan and how much interest it saves versus monthly payments.
- [Refinance Break-Even Calculator](https://flarelodge.com/mortgage/refinance-calculator/): Refinance break-even calculator: closing costs ÷ monthly savings. See break-even months by rate drop and typical fees ($1,900–$3,650 before points).
- [Home Affordability Calculator](https://flarelodge.com/mortgage/home-affordability-calculator/): Estimate the home price you can afford from income, debts, down payment and rate, using the common 28/36 debt-to-income guideline.

### Loans, Savings & Retirement

- [Compound Interest Calculator](https://flarelodge.com/finance/compound-interest-calculator/): Compound interest with monthly deposits: $10,000 plus $300 a month at 5% grows to $63,055 in 10 years. Formula, growth table and interest per month.
- [Savings Goal Calculator](https://flarelodge.com/finance/savings-goal-calculator/): How much to save each month for a goal: $10,000 in 2 years at 4% takes $400.92 a month. Tables for goals, timelines and a house down payment.
- [Retirement Savings Calculator](https://flarelodge.com/finance/retirement-savings-calculator/): Project your retirement balance from age, savings, monthly contributions and return, in today’s dollars, plus the income it could support.
- [Credit Card Payoff Calculator](https://flarelodge.com/finance/credit-card-payoff-calculator/): How long to pay off a credit card: at the 22.36% average APR, $6,000 at $250 a month takes 33 months and $2,027 interest. Avalanche vs. snowball compared.
- [Federal Income Tax Calculator](https://flarelodge.com/finance/federal-income-tax-calculator/): Estimate 2026 or 2027 federal income tax from the IRS brackets and standard deduction. Single on $75,000 in 2026: $7,670 tax, a 10.23% effective rate.
- [Paycheck Calculator](https://flarelodge.com/finance/paycheck-calculator/): 2026 federal tax withheld per paycheck from the IRS Pub. 15-T tables, plus Social Security and Medicare. $2,000 biweekly, single: $1,690.85 take-home.
- [Car Loan Calculator](https://flarelodge.com/finance/car-loan-calculator/): Estimate your monthly car payment including sales tax, fees, down payment and trade-in, plus total interest and total cost of the vehicle.
- [Car Affordability Calculator](https://flarelodge.com/finance/car-affordability-calculator/): Turn a monthly payment into the car price you can afford, after down payment, trade-in, sales tax and fees. See how much car loan $400 a month buys.
- [Loan Payment Calculator](https://flarelodge.com/finance/loan-payment-calculator/): Monthly payment and total interest on any fixed-rate loan. $30,000 at 11.9% (Fed personal-loan average, Aug 2026) is $665.82 a month over 5 years.

### Health & Fitness

- [BMI Calculator](https://flarelodge.com/health/bmi-calculator/): Calculate adult body mass index in pounds and feet or kilograms and centimeters, see your CDC weight category and the healthy weight range for your height.
- [Calorie Calculator (TDEE)](https://flarelodge.com/health/calorie-calculator/): Estimate how many calories you burn per day (TDEE) from age, sex, height, weight and activity, with targets to maintain, lose or gain weight.
- [BMR Calculator](https://flarelodge.com/health/bmr-calculator/): Calculate BMR with the Mifflin-St Jeor equation step by step, and see average BMR by age: about 1,426 kcal for a 40-year-old U.S. woman, 1,801 for a man.
- [Protein Intake Calculator](https://flarelodge.com/health/protein-calculator/): Daily protein in grams from your weight: 0.8 g/kg minimum (46 g women, 56 g men), 1.4–2.0 g/kg if you exercise, with a by-weight table.
- [Body Fat Calculator](https://flarelodge.com/health/body-fat-calculator/): Estimate body fat percentage with the U.S. Navy / Department of Defense tape-measure method from height, neck, waist and hip measurements.
- [Ideal Weight Calculator](https://flarelodge.com/health/ideal-weight-calculator/): Compare ideal body weight from the Devine, Robinson, Miller and Hamwi formulas with the healthy BMI weight range for your height.

### Date & Time

- [Business Days Calculator](https://flarelodge.com/date/business-days-calculator/): Count U.S. business days between two dates or from today, and see 2026’s 250 business days by month. Skips weekends and OPM federal holidays to 2030.
- [Days Between Dates](https://flarelodge.com/date/days-between-dates/): Count the calendar days between two dates, in days and in years, months and days. Both the gap and the count that includes both ends are shown.

### Conversions

- [Electricity Cost Calculator](https://flarelodge.com/conversions/electricity-cost-calculator/): Turn kWh, or watts and hours, into dollars at your state’s EIA home rate. U.S. average: 18.16¢ per kWh (August 2026, preliminary), or enter your own.
- [Temperature Converter](https://flarelodge.com/conversions/temperature-converter/): Convert Celsius, Fahrenheit and kelvin with the exact scale definitions. 0 °C is 32 °F and 273.15 K. Nothing below absolute zero.

### Everyday Math

- [Age Calculator](https://flarelodge.com/everyday/age-calculator/): Calculate exact age in years, months and days from a date of birth, plus total days, weeks and the countdown to the next birthday.
- [Percentage Calculator](https://flarelodge.com/everyday/percentage-calculator/): Work out X% of a number, what percent one number is of another, or the percent increase or decrease between two values, with the steps shown.

### Outside the U.S.

- [UK Mortgage Repayment Calculator](https://flarelodge.com/uk/mortgage-calculator/) (GBP, rates checked 2026-11-14): A £225,000 repayment mortgage over 25 years at 5.39% (the Bank of England average 2-year fixed rate at 75% LTV for 31 October 2026) costs £1,366.96 a month. After two years you would still owe £215,991; left on the average revert-to rate of 6.58%, the payment would become £1,520.49. Stamp duty on a £300,000 home in England is £5,000 if you have owned before and £0 for a first-time buyer.
- [Canadian Mortgage Payment Calculator](https://flarelodge.com/ca/mortgage-calculator/) (CAD, rates checked 2026-11-14): A $480,000 mortgage amortized over 25 years at 6.19% (the posted 5-year rate for November 11, 2026), compounded semi-annually, costs $3,125.49 a month. Over a 5-year term you pay $139,891 in interest and still owe $432,362 at renewal. Paying accelerated biweekly instead ($1,562.74 every two weeks) clears the mortgage in about 21 years.
- [Australian Home Loan Repayment Calculator](https://flarelodge.com/au/mortgage-calculator/) (AUD, rates checked 2026-11-14): A $600,000 principal-and-interest loan over 30 years at 6.14% (the RBA average on new owner-occupier principal-and-interest loans for September 2026) costs $3,651.49 a month. If the rate rose by 0.50 percentage points to 6.64%, the repayment would be $3,847.82, which is $196.33 more.

## About

- [About FlareLodge](https://flarelodge.com/about/): who runs the site and how the tools are built.
- [Editorial policy](https://flarelodge.com/editorial-policy/): how figures are sourced, checked and updated.
- [All data pages](https://flarelodge.com/data/): index of original tables. To cite a data page, use the citation shown in its "Use this data" section and link to the page.
- [Embeddable calculators](https://flarelodge.com/embed/): free widgets for other sites.