Finance Calculators
Plan your money with free finance calculators — mortgages, auto and personal loans, interest, investments, retirement, taxes, and debt payoff. Each tool shows a full breakdown so you can see exactly where the numbers come from.
Mortgage & Real Estate
Mortgage Calculator
Estimate your total monthly housing cost including principal, interest, property taxes, and insurance from the home price, down payment, rate, and term.
Amortization Calculator
See the full amortization schedule for any loan — how each year's payment splits between principal and interest, and how quickly your balance drops.
Mortgage Payoff Calculator
See how extra payments, biweekly payments, or a lump sum can pay off your mortgage faster and save on interest.
House Affordability Calculator
Find out how much house you can afford based on your income, debts, down payment, and current mortgage rates using the standard 28/36 rule.
Rent Calculator
Find how much rent you can afford based on income and expenses, or calculate fair rent to charge as a landlord based on property value and desired yield.
Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income ratios to understand how lenders evaluate your borrowing capacity.
Real Estate Calculator
Analyze a rental property's cash flow, cap rate, cash-on-cash return, and 30-year wealth projection from purchase details, income, and operating expenses.
Refinance Calculator
Compare your current mortgage with a refinanced loan to see monthly savings, total interest difference, break-even point, and whether it's worth the closing costs.
Rental Property Calculator
Analyze a rental property's cash flow, cap rate, and 30-year projection with optional financing, repairs, and expense growth assumptions.
APR Calculator
Calculate the true Annual Percentage Rate (APR) of any loan or mortgage by factoring in fees, points, and PMI alongside the stated interest rate.
FHA Loan Calculator
Calculate your FHA loan monthly payment including upfront and annual MIP, property taxes, insurance, and other costs.
VA Mortgage Calculator
Calculate your VA loan total monthly cost including principal, interest, property taxes, and insurance — with no PMI and the VA funding fee based on usage type and down payment.
Home Equity Loan Calculator
Calculate the monthly payment and total interest on a fixed-rate home equity loan, see how much equity you can borrow against, and check your combined LTV.
HELOC Calculator
Calculate your HELOC interest-only payment during the draw period and the full amortizing payment during repayment, based on your home equity and draw amount.
Down Payment Calculator
Calculate how much you need for a down payment on a home and how long it will take to save based on your current savings and monthly contribution.
Rent vs Buy Calculator
Compare the total net cost of renting versus buying a home over time, factoring in appreciation, rent increases, maintenance, and the opportunity cost of your down payment.
Auto
Auto Loan Calculator
Calculate your monthly car payment, or the vehicle price you can afford, factoring in down payment, trade-in, sales tax, and fees.
Cash Back or Low Interest Calculator
Compare a dealer cash-back rebate against a low-interest financing offer to see which saves you more over the life of your auto loan.
Auto Lease Calculator
Estimate your monthly car lease payment from the negotiated price, residual value, and money factor, with a full breakdown of depreciation and finance charges.
Investment
Compound Interest Calculator
Project how your savings grow with compound interest. Set a starting amount, regular contribution, rate, and time frame to see your future balance and the interest it earns.
Interest Calculator
Calculate the interest earned on any principal amount over time, with simple or compound interest and adjustable compounding frequency.
Investment Calculator
See how a one-time lump-sum investment grows with compound interest. Enter the amount, expected return, and time frame to project its future value.
Finance Calculator
A general-purpose Time Value of Money solver. Enter any four of present value, future value, rate, periods, and payment to solve for the fifth.
Interest Rate Calculator
Find the implied annual interest rate from a known starting amount, ending amount, and time period. Useful for reverse-engineering the return on any investment.
Savings Calculator
Project how your savings grow over time with an initial deposit, regular monthly contributions, and compound interest.
Simple Interest Calculator
Calculate simple interest on a principal over any period, then see the interest earned, the total, and how it compares to compound interest.
SIP Calculator
See how recurring investments grow over time. Enter your contribution, expected return, and time frame to project your total with a year-by-year growth chart.
CAGR Calculator
Find the compound annual growth rate (CAGR) between a starting and ending value, or project a value forward at a given growth rate.
CD Calculator
Calculate the maturity value and interest earned on a Certificate of Deposit given the deposit amount, APY, term, and compounding frequency.
Bond Calculator
Calculate a bond's fair price from its face value, coupon rate, time to maturity, and the prevailing market rate (YTM). See the current yield and total return.
Mutual Fund Calculator
Estimate mutual fund returns for a lump sum or SIP investment, factoring in the expected return rate and the fund's expense ratio.
Average Return Calculator
Calculate the arithmetic and geometric (compound) average annual return from a beginning and ending value, or from a series of yearly returns.
IRR Calculator
Calculate the Internal Rate of Return for an investment from its cash flows. Enter uniform annual returns or custom period-by-period amounts.
ROI Calculator
Calculate your Return on Investment as a percentage from the amount invested and the final value or net gain. Optionally annualize the ROI over a time period.
Payback Period Calculator
Calculate how long it takes to recoup an investment from its regular cash flows. See both simple and discounted payback periods.
Present Value Calculator
Discount a future amount to today's value using a given rate and time period. Understand what a future sum is really worth in current terms.
Future Value Calculator
Project what a current amount will be worth in the future with compound interest and optional periodic additions.
Retirement
Retirement Calculator
Project your retirement savings and see if your contributions will support the retirement income you need, accounting for investment growth and inflation.
401k Calculator
Project the growth of your 401(k) or employer-sponsored retirement account with employee contributions, employer matching, and investment returns over time.
Pension Calculator
Estimate your defined-benefit pension using years of service, your final average salary, and the plan's benefit multiplier to see your annual and monthly income in retirement.
Social Security Calculator
Estimate your US Social Security benefit based on when you claim. See how claiming earlier or later than your full retirement age reduces or increases your monthly payment.
Annuity Calculator
Calculate the future value of regular payments invested over time. See how periodic contributions grow with compound interest in an ordinary annuity or annuity due.
Annuity Payout Calculator
Calculate how much periodic income a lump sum can provide over a fixed period. Enter your savings, an interest rate, and a payout duration to see each payment amount.
Roth IRA Calculator
Project the tax-free growth of a Roth IRA and compare it to a taxable account. See how much you save by never paying tax on investment gains.
IRA Calculator
Project the growth of a Traditional IRA with tax-deferred compounding. See your projected balance, the tax benefit of deductible contributions, and the after-tax value at withdrawal.
RMD Calculator
Calculate your Required Minimum Distribution from a Traditional IRA or 401(k). Enter your account balance and age to see the minimum withdrawal the IRS requires.
Tax & Salary
Income Tax Calculator
Estimate your income tax using simplified progressive brackets, see your effective and marginal rates, and find your after-tax income.
Salary Calculator
Convert your pay between hourly, weekly, biweekly, semi-monthly, monthly, and annual amounts instantly.
Marriage Tax Calculator
Compare the total income tax you'd pay filing as two single individuals versus married filing jointly, and see whether marriage creates a tax penalty or bonus.
Estate Tax Calculator
Estimate potential estate tax by entering the total estate value, exemption threshold, deductions, and applicable rate to see the taxable amount and effective rate.
Take-Home Paycheck Calculator
Estimate your net pay after federal and state taxes, payroll taxes, retirement contributions, and other deductions from your gross paycheck.
Other
Loan Calculator
Calculate your monthly loan payment, total interest, and full amortization schedule, or find the maximum loan you can afford on a set monthly budget.
Payment Calculator
Work out your monthly loan payment, total interest, and total amount paid from the loan amount, interest rate, and term.
Inflation Calculator
See how inflation erodes purchasing power over time, or find out what past money is worth in today's terms.
Sales Tax Calculator
Calculate the sales tax on a purchase and the total price, or reverse-calculate the pre-tax price from a tax-included amount.
Credit Card Calculator
Find out how long it takes to pay off your credit card balance and how much total interest you will pay at your current payment rate.
Credit Cards Payoff Calculator
Compare the avalanche and snowball strategies for paying off multiple credit cards, and see which method saves more interest and time.
Debt Payoff Calculator
Calculate how long it takes to pay off your debt and the total interest cost based on your balance, rate, and monthly payment.
Debt Consolidation Calculator
Compare your current debt payments against a consolidated loan to see if consolidation saves you interest and reduces your monthly burden.
Repayment Calculator
See how extra payments shorten your loan and reduce total interest — compare payoff time with and without additional monthly contributions.
Student Loan Calculator
Calculate your monthly student loan payment, total interest, and total cost — accounting for the grace period during which interest accrues.
College Cost Calculator
Project the future cost of college accounting for education inflation, and see whether your savings plan closes the funding gap.
VAT Calculator
Add VAT to a net price or remove VAT from a gross price — see the net amount, VAT amount, and gross total instantly.
Depreciation Calculator
Calculate annual depreciation and book value over time using straight-line, declining balance, or double declining balance methods.
Margin Calculator
Calculate profit margin and markup from cost and revenue, or find the selling price needed to hit a target margin.
Discount Calculator
Calculate the sale price after a percentage discount, or reverse-calculate the original price from a discounted amount.
Business Loan Calculator
Calculate your business loan payment, total interest, and effective APR after origination fees to compare loan offers accurately.
Personal Loan Calculator
Calculate your personal loan monthly payment, total interest, and total cost including any origination fee.
Boat Loan Calculator
Calculate your monthly boat loan payment including sales tax, and see the total interest and overall cost of financing.
Lease Calculator
Calculate your monthly lease payment for a vehicle or equipment from the asset value, residual value, money factor, and term.
Budget Calculator
Break down your monthly income into needs, wants, and savings, and compare your allocation against the 50/30/20 guideline.
Commission Calculator
Calculate sales commission from a sales amount and rate, or find the sales volume needed to reach a target commission.