150 calculators

Every tool for every money decision

Free, fast, and precise. Each calculator explains its math, shows its assumptions, and gives you a shareable link to your results.

Mortgages23

Mortgage Calculator

Estimate your monthly mortgage payment with taxes, insurance, PMI and HOA — plus total interest and a full amortization breakdown. Free, fast, no signup.

Home Affordability Calculator

How much house can you afford? Get a realistic max price from your income, debts, and down payment using the 28/36 rules lenders actually apply.

Debt-to-Income Ratio Calculator

Calculate the debt-to-income (DTI) ratio mortgage lenders use to size your approval — front-end and back-end — and see how much room you have before 36%.

Property Tax Calculator

Estimate your annual and monthly property tax from your home's value and effective tax rate — the escrow line that quietly shapes your mortgage payment.

Home Equity Calculator

Calculate your home equity and how much you could borrow with a HELOC or home equity loan, based on your lender's combined loan-to-value limit.

Income Required for a Mortgage Calculator

How much income do you need to buy a house? Enter the monthly housing payment and your debts to see the salary lenders would want under the 28/36 rule.

Home Sale Proceeds Calculator

How much will you actually walk away with when you sell your home? Subtract agent commission, closing costs, and your mortgage payoff to see your net cash.

Down Payment Calculator

See the cash you need upfront to buy a home — down payment plus closing costs — and how many months of saving it takes to get there.

Rent vs. Buy Calculator

Should you rent or buy? Compare the two on a net-worth basis over the years you'll stay — including appreciation, closing and selling costs, and the return on money you'd invest instead.

Amortization Calculator

Build a complete amortization schedule for any loan: payment, year-by-year principal vs interest split, and the effect of extra payments.

Mortgage Refinance Calculator

Should you refinance? Compare payments, find your break-even month on closing costs, and see the honest lifetime cost — including the term-reset trap.

Biweekly Mortgage Calculator

See how paying half your mortgage every two weeks pays the loan off years early and saves thousands in interest — the biweekly payment trick, quantified.

Mortgage Payoff Calculator

See how much faster you'd pay off your mortgage — and how much interest you'd save — by adding a little extra to your payment each month.

Mortgage Points Calculator

Should you buy discount points? Compare the upfront cost against the lower payment and see the month your buydown starts paying for itself.

Mortgage Recast Calculator

See what a lump sum does to your mortgage payment when the loan is recast — the balance and payment drop, but the payoff date stays exactly where it was.

PMI Removal Calculator

Find out when private mortgage insurance drops off your loan, how much PMI you still have to pay, and what you'd save by reaching 80% LTV sooner.

Home Renovation ROI Calculator

How much of a renovation comes back as home value? Compare project cost against value added to see what you recoup and what the improvement really costs you.

Pay Off Mortgage Early or Invest Calculator

Put an extra payment against the mortgage or into the market? Compare the guaranteed interest saved against the after-tax value of investing the same money.

ARM vs Fixed Mortgage Calculator

Compare an adjustable-rate mortgage against a fixed one under the ARM's own worst case — every adjustment hitting its cap — and see how long you would need to sell before it stops paying.

HELOC Payment Calculator

Calculate home equity line payments across both phases — interest-only during the draw period, then fully amortising — and see the payment jump when repayment begins.

Closing Cost Calculator

Estimate the full cheque a homebuyer brings to closing — lender charges, title and settlement, and prepaid escrows — on top of the down payment.

Cash-Out Refinance Calculator

See what a cash-out refinance does to your payment and your total interest — replacing your mortgage with a larger one and taking the difference in cash.

Home Equity Buildup Calculator

Project how your home equity grows over time from two forces — the home appreciating and the mortgage amortising down — and see how much comes from each.

Loans15

Loan Calculator

Calculate the monthly payment, total interest, and payoff date for any personal, auto, or fixed-rate loan — and see how extra payments shorten it.

Auto Loan Calculator

Car payment with the real numbers: sales tax, fees, trade-in credit — even negative equity. See the monthly payment and the true total cost.

Car Affordability Calculator

How much car can you afford? Enter the monthly payment you're comfortable with, your down payment, rate, and term to see the car price it supports.

Car Depreciation Calculator

See what a car will be worth in a few years. Project its value as it depreciates and how much of your money the drop in value quietly costs.

Lease vs. Buy Car Calculator

Compare leasing a car against buying one over the same period — total out-of-pocket cost, the resale value you keep when buying, and which is cheaper.

Car Lease Payment Calculator

Work out a car lease payment from the numbers on the contract — capitalised cost, residual value, and money factor — and see the depreciation and finance halves separately.

True Cost of Car Ownership Calculator

Add up what a car really costs over the years you keep it: depreciation, loan interest, fuel, insurance and maintenance, expressed per year, per month and per mile.

Auto Loan Refinance Calculator

See whether refinancing your car loan actually saves money — separating the lower monthly payment from the total interest, which can rise if you extend the term.

Income-Driven Repayment Calculator

Estimate a federal income-driven student loan payment as a share of discretionary income, and see whether it covers the interest or lets the balance grow.

Car Lease Buyout Calculator

At lease end, buy the car or hand it back? Compare the buyout price against the car's market value to see if you would be buying at a discount.

Student Loan Calculator

Monthly student loan payment, total interest, and payoff date under standard repayment — plus how much extra payments accelerate your debt-free day.

APR Calculator

See a loan's true cost. Enter the rate, term, and upfront fees to get the real APR — the number that folds points and closing costs into one annual figure you can compare across offers.

Loan Comparison Calculator

Compare two loans side by side — monthly payment, total interest, and lifetime cost — to see which is genuinely cheaper, not just the lower payment.

Debt Consolidation Calculator

See whether consolidating your debts into one loan lowers your payment and total interest — compared against finishing your current debts as they are.

Debt Payoff Calculator — Snowball vs Avalanche

Enter up to three debts and compare the snowball and avalanche strategies head-to-head: payoff dates, total interest, and what the difference costs.

Credit Cards4

Credit Card Payoff Calculator

How long to pay off your credit card at your current payment — and the exact monthly amount to be debt-free in 12, 24, or 36 months.

Credit Utilization Calculator

Work out your credit utilization ratio, see which band it falls in, and find exactly how much to pay down to reach a target before your statement closes.

Balance Transfer Calculator

Work out whether a 0% balance transfer beats staying on your current card once the transfer fee, the length of the promotional window, and the rate after it are all counted.

Buy Now, Pay Later Calculator

Break down what a Buy Now, Pay Later plan really costs — free if paid on time, but with late fees that annualise into eye-watering rates and interest on longer plans.

Savings & Banking15

Compound Interest Calculator

See how your savings grow with compound interest and monthly contributions — final balance, interest earned, and a year-by-year growth table.

Simple Interest Calculator

Calculate simple interest on a loan or deposit — interest on the principal only — and see how it compares to compound interest over the same period.

Savings Calculator

Watch your savings account grow: enter your balance, monthly deposit, and APY to see the future value and every dollar of interest along the way.

Savings Goal Calculator

Two answers for any savings goal: the monthly deposit that hits your target on time, and when you'd get there at your current saving pace.

Emergency Fund Calculator

Size your emergency fund from your real monthly expenses, see the gap, and get the date you'll be fully funded at your current saving rate.

CD Calculator

Calculate a certificate of deposit's value at maturity, the interest earned, and the true APY from any rate and compounding frequency.

CD Ladder Calculator

Build a CD ladder: split a deposit across staggered maturities so a rung frees up each year while the rest keeps earning. See per-rung and total returns.

College Savings Calculator

Work out what a degree will cost by the time your child starts, what your current savings will grow to, and the monthly contribution that closes the gap.

HSA Calculator

Project a health savings account over time and see what the triple tax advantage is actually worth against saving the same money in a taxable account.

I Bond Calculator

Work out the composite rate and value of a US Series I savings bond, including the three-month interest penalty for redeeming before five years.

CD vs High-Yield Savings Calculator

Compare locking money in a CD against keeping it in high-yield savings, including what happens to each if rates change and the penalty for breaking the CD early.

CD Early Withdrawal Penalty Calculator

Cashing out a CD before it matures? See the early-withdrawal penalty, what you'd actually walk away with, and whether the penalty eats into your principal.

APY Calculator

Convert a nominal interest rate and compounding frequency into APY — the real annual yield — so you can compare savings accounts and CDs on equal footing.

Emergency Fund Runway Calculator

How long would your savings last if you lost your income? See your emergency fund runway in months — and how partial income during the gap extends it.

Rent Affordability Calculator

How much rent can you afford? See the monthly rent that fits your income at the classic 30% guideline — plus a comfortable and a stretch figure.

Retirement20

Retirement Calculator

Project your retirement savings: what your balance could reach by retirement age and the monthly income it could sustainably provide.

401(k) Paycheck Impact Calculator

See what raising your 401(k) contribution actually costs your take-home pay once the tax break and the employer match are counted.

Roth Conversion Calculator

Pay tax now to make an IRA tax-free later? Compare converting to a Roth against leaving the money traditional, including where the tax bill comes from.

RMD Calculator

Calculate your required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table, with the tax due and a projection of future years.

Roth vs Traditional 401(k) Calculator

Compare a Roth and a traditional 401(k) on equal terms — same contribution, with the traditional tax savings invested — to see which leaves more after tax.

Pension Lump Sum vs Annuity Calculator

Take the pension buyout or the monthly payments for life? Compare the lump sum against the present value of the annuity and the return the pension implies.

72(t) SEPP Calculator

Estimate penalty-free early retirement withdrawals under IRS Rule 72(t) using the RMD and fixed-amortization methods, before age 59½.

Social Security Spousal Benefit Calculator

Estimate a Social Security spousal benefit — up to half the higher earner's benefit, reduced for claiming early — and whether it beats claiming on your own record.

Roth IRA Contribution Limit Calculator

Find out how much you can contribute to a Roth IRA this year after the income phase-out — and whether you are shut out and need the backdoor route.

Backdoor Roth Calculator

Earn too much for a Roth IRA? See what the backdoor route costs — a non-deductible contribution converted to Roth — and how the pro-rata rule taxes it.

FIRE Calculator

Find your FIRE number — the nest egg for financial independence — using the 4% rule, and see how many years of saving stand between you and early retirement.

Coast FIRE Calculator

Find your Coast FIRE number — the amount you need invested now so growth alone carries you to retirement, no more contributions required.

Annuity Payout Calculator

See what a lump sum pays out each month if drawn down evenly over a fixed period, and how much of the total comes from interest rather than principal.

Social Security Break-Even Calculator

Claim early for smaller cheques sooner, or wait for larger ones later? Find the age at which waiting overtakes claiming early, using your own benefit estimates.

Cost of Waiting to Invest Calculator

See what delaying investing really costs. Waiting a few years to start forfeits the most valuable compounding years — this shows the price of the delay.

How Long Will My Savings Last?

See how long your savings last when you withdraw a fixed amount each month while the balance keeps earning a return — and whether it ever runs out.

401(k) Calculator

Project your 401(k) balance at retirement — including the employer match — and check your contributions against the 2026 IRS limit of $24,500.

401(k) Early Withdrawal Calculator

Cashing out a 401(k) or IRA before 59½? See the 10% penalty plus income tax, and how little of the money you'd actually keep.

Traditional IRA Calculator

Project your traditional IRA at retirement, see this year's tax deduction, and estimate the tax you'll owe on withdrawals. Uses the 2026 limit of $7,500.

Roth IRA Calculator

Project your Roth IRA's tax-free value at retirement and see how much of it is earnings you'll never pay tax on. Uses the 2026 limit of $7,500.

Investing26

Investment Calculator

Project an investment portfolio's growth with monthly contributions — final value, your money vs market growth, and the year-by-year path.

Investment Fee Impact Calculator

See what fund fees really cost over decades. A 1% fee sounds small, but compounding turns it into a huge share of your final balance — this shows your number.

Rental Property ROI Calculator

Analyze a rental property: monthly cash flow, cap rate, and cash-on-cash return. See whether the numbers work before you buy.

Dividend Calculator

Calculate the dividend income from a stock or fund holding — annual and monthly payout, the amount invested, and the dividend yield.

Real Rate of Return Calculator

Find your real, inflation-adjusted return — what your investment actually gained in purchasing power — using the exact Fisher equation, not just subtraction.

Present Value Calculator

What is a future sum of money worth today? Discount a future amount back to its present value at a given rate — the core of every finance decision.

IRR Calculator

Calculate the internal rate of return on an investment with level annual cash flows — the annual return implied by what you put in and what comes back.

Bond Yield Calculator

Calculate a bond's current yield and approximate yield to maturity from its face value, market price, coupon rate, and years remaining.

Dollar-Cost Averaging Calculator

Compare investing a windfall all at once against spreading it over several months, and see what the caution costs at a steady rate of return.

House Flipping Calculator

Run the numbers on a flip: purchase, rehab, holding and financing costs against the after-repair value, plus the 70% rule ceiling on what you should pay.

ESPP Calculator

Calculate what an employee stock purchase plan actually returns — the discount, the lookback provision, and the annualised return if you sell at purchase.

Tax-Loss Harvesting Calculator

See how selling investments at a loss can offset gains and up to $3,000 of ordinary income, with the tax saved this year and any loss carried forward.

1031 Exchange Calculator

Estimate the tax a 1031 like-kind exchange defers when you roll an investment property into another — depreciation recapture, capital gains, NIIT and state tax.

Margin Loan Calculator

See the interest cost of borrowing against a portfolio, the price that triggers a margin call, and how leverage magnifies your return in both directions.

Short-Term Rental Calculator

Model an Airbnb or short-term rental against a long-term tenant — nightly rate, occupancy, platform and management fees, and the expenses a long lease avoids.

Portfolio Rebalancing Calculator

See exactly what to buy and sell to bring a portfolio back to its target allocation — and how far a new contribution alone can do the job without selling.

Tax-Gain Harvesting Calculator

In a low-income year, see how much long-term gain you can realize inside the 0% capital-gains bracket — locking in a higher cost basis completely tax-free.

Dividend Reinvestment (DRIP) Calculator

Project a dividend-paying holding with dividends reinvested to buy more shares, and see how much that compounding adds over taking the dividends as cash.

Tax-Equivalent Yield Calculator

Compare a tax-free municipal bond to a taxable one. See the pre-tax yield a taxable investment must beat to match a tax-free yield at your tax bracket.

Stock Average Calculator

Averaging down on a stock? Enter two purchases to see your new average cost per share, total shares, and total invested — your blended cost basis.

Investment Loss Recovery Calculator

After a loss, how much gain do you need to break even? See why a 50% loss requires a 100% gain — the math that makes big losses so hard to recover.

CAGR Calculator

Calculate the compound annual growth rate (CAGR) between a starting and ending value — the smoothed yearly return that makes any investment comparable.

NPV Calculator

Calculate the net present value of an investment with level annual cash flows — whether the future returns, discounted to today, justify the upfront cost.

Payback Period Calculator

Find how long it takes to recoup an upfront investment from its annual cash flow — the simple payback period, in years and months.

ROI Calculator

Measure the return on any investment: total gain, total return (ROI), and the annualized return (CAGR) that lets you compare deals held for different lengths of time.

Rule of 72 Calculator

How long until your money doubles? The Rule of 72 gives a fast mental estimate — this shows it alongside the exact math, plus when your money triples and quadruples.

Taxes10

Federal Income Tax Calculator

Estimate your 2026 federal income tax: total tax, effective and marginal rates, and a bracket-by-bracket breakdown using official IRS figures.

Take-Home Pay Calculator

See your actual paycheck after federal tax, Social Security, Medicare, 401(k), health premiums, and state tax — per paycheck and per year (2026 figures).

Sales Tax Calculator

Add sales tax to any price in seconds. Enter the amount and your combined state + local rate to see the tax and the final total.

Self-Employment Tax Calculator

Freelancers pay both halves of Social Security and Medicare. Calculate your 2026 self-employment tax, the deductible half, and what to set aside each quarter.

Capital Gains Tax Calculator

Estimate the tax on an investment sale and what you keep — and compare the long-term rate against the far higher one that applies if you sell too soon.

Estimated Quarterly Tax Calculator

Work out what to send the IRS each quarter to stay penalty-free, using both the current-year and prior-year safe harbours and taking whichever is lower.

Bonus and RSU Tax Calculator

See what you actually keep from a bonus or a vesting RSU grant, and whether the flat 22% supplemental withholding leaves you owing more in April.

Social Security Tax Calculator

Find out how much of your Social Security benefit is taxable, using the provisional income formula and the thresholds that have not moved since 1984.

Standard vs Itemized Deduction Calculator

Add up your itemized deductions — mortgage interest, SALT up to the cap, charity — and see whether they beat the standard deduction and what itemizing actually saves.

Estate Tax Calculator

Estimate federal and state estate tax on an estate — the amount above the exemption taxed at 40% federally, plus state estate tax at much lower thresholds.

Budgeting & Income31

Salary to Hourly Calculator

Convert an annual salary to hourly, weekly, biweekly, and monthly pay — adjusted for your real hours and weeks worked.

Job Offer Comparison Calculator

Compare two job offers on total compensation rather than base salary — bonus, equity, employer match, health premiums and cost of living all included.

Cost of Living Calculator

Find the salary you would need in another city to keep the same standard of living, and whether the offer on the table is a real raise or a disguised pay cut.

Is the Second Income Worth It Calculator

Work out what a second household income is actually worth after tax, childcare, commuting and work costs — and what it comes to per hour actually worked.

Sinking Fund Calculator

Turn irregular expenses — insurance premiums, car registration, the holidays, a known repair — into a single monthly number so none of them ever arrives as a surprise.

College ROI Calculator

Weigh a degree's full cost — tuition plus the wages given up while studying — against the lifetime earnings premium, to see the payback period and return.

Subscription Audit Calculator

Total up your recurring subscriptions and see the yearly cost — plus what that same money would grow to if invested instead over the years.

Windfall Allocation Calculator

Got a bonus, inheritance, or tax refund? See how a windfall splits down the standard priority order — clear high-interest debt, fund emergencies, then invest.

Inflation Calculator

See what inflation does to your money: future cost of today's expenses and the shrinking purchasing power of cash over any horizon.

Net Worth Calculator

Calculate your net worth the way advisors do: everything you own minus everything you owe, with your debt-to-asset ratio as a health check.

50/30/20 Budget Calculator

Split your after-tax income the 50/30/20 way — needs, wants, savings — with monthly dollar targets and the yearly savings it produces.

Break-Even Calculator

Find your business break-even point: how many units you must sell to cover fixed costs, and the revenue that gets you there.

Pay Raise Calculator

See what a raise actually adds — new salary, the annual and monthly increase, and whether it beats inflation for a real raise in buying power.

Tip Calculator

Calculate the tip and total on any bill, and split it evenly across your group — with the exact amount each person owes.

Overtime Pay Calculator

Calculate weekly and annual pay with overtime — your time-and-a-half rate, regular vs overtime earnings, and what the extra hours add up to over a year.

Percentage Calculator

Work out any percentage three ways: what is X% of Y, X is what percent of Y, and the percent increase or decrease from one number to another.

Discount Calculator

Find the sale price after a discount — and what you save. Stack a second coupon to see how percentages combine (they multiply, not add).

Profit Margin Calculator

Turn a cost and a sale price into profit, profit margin, and markup — the three numbers small businesses need to price products and check their economics.

Commission Calculator

Calculate commission earnings from a sale amount and rate, plus any base salary — see the commission, total pay, and what share of your pay is commission.

Savings Rate Calculator

Find your savings rate — the share of your income you keep — and see what it means for financial independence. The single number that predicts how fast you build wealth.

Net Worth Projection Calculator

Project your net worth forward: see where consistent saving and investment growth take you over the years, with a year-by-year path.

Net to Gross Salary Calculator

Work backward from the take-home pay you want to the gross salary you need, given your effective tax rate. The 'gross-up' calculator for offers and negotiations.

Cost of a Habit Calculator

What is that daily coffee, takeout, or subscription really costing you? See the monthly and yearly total — and what the same money could grow to if invested.

Rent Increase Calculator

See your new rent after a percentage increase — the monthly and yearly hit, and how much it compounds over several years of renting.

Trip Fuel Cost Calculator

Estimate the fuel cost of a drive: enter the distance, your car's MPG, and the gas price to see the gallons used and what the trip will cost.

Rent Split Calculator

Split rent fairly between two people by income instead of 50/50 — so each person pays a share proportional to what they earn. See both splits side by side.

Freelance Hourly Rate Calculator

Work backward from the income you want to the hourly rate you must charge — after business expenses, self-employment tax, and the hours you can't bill.

EV vs Gas Car Cost Calculator

Compare what electricity costs against gasoline for the same miles, and find out how long a higher EV sticker price takes to pay back in fuel savings.

Solar Panel Payback Calculator

How long until solar panels pay for themselves? Net cost after incentives against electricity savings that grow as grid rates rise.

Cost Per Use Calculator

Divide what something costs by how often you'll actually use it — the number that decides whether the expensive version is the cheap one.

Asset Depreciation Calculator

Build a depreciation schedule for business equipment using straight-line or double-declining balance, with the annual expense and book value for every year.