Financial Calculators
Mortgage, loan, investing, and tax tools built around how lending and taxes actually work in the United States.
Mortgage Calculator
Free mortgage calculator estimates your monthly payment including principal, interest, property tax, homeowners insurance, PMI, and HOA fees.
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Loan Calculator
Calculate monthly payments and total interest for any personal, auto, or student loan.
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Compound Interest Calculator
See how compound interest grows your savings and investments.
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Sales Tax Calculator
Add sales tax to a pre-tax price or remove it from a tax-included receipt.
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Auto Loan Calculator
Estimate your monthly car payment including sales tax, fees, trade-in value, and down payment.
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Interest Calculator
Compare simple and compound interest side by side.
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Payment Calculator
Two calculators in one: find the payment needed to retire a loan in a fixed term, or find how long a fixed payment takes to pay off.
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Amortization Calculator
Generate a complete amortization schedule for any loan.
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Investment Calculator
Project the future value of investments with initial deposits and regular contributions at your expected rate of return.
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Currency Calculator
Convert between US dollars and 30 world currencies.
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Inflation Calculator
See what a US dollar amount from any year since 1970 is worth today, based on Consumer Price Index data.
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Retirement Calculator
Project your retirement savings balance at retirement and how long it will last.
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Finance Calculator
Solve any missing time-value-of-money variable: present value, future value, payment, interest rate, or number of periods.
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Mortgage Payoff Calculator
See how extra monthly or yearly payments shorten your mortgage and cut total interest.
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Income Tax Calculator
Estimate 2025 US federal income tax plus Social Security and Medicare.
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Salary Calculator
Convert between annual salary and hourly wage.
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401k Calculator
Project your 401k growth including employer match, salary increases, and compounding.
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Interest Rate Calculator
Back out the real interest rate from a loan's amount, term, and payment.
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House Affordability Calculator
Find the maximum home price that fits your income using lender debt-to-income rules, with room for taxes, insurance, and HOA costs.
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Savings Calculator
See how regular deposits grow with compound interest.
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Rent Calculator
Apply the 30% rule or 50/30/20 budgeting to find a comfortable monthly rent based on your income and debts.
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Marriage Tax Calculator
Compare US federal tax as married filing jointly vs separately on 2025 brackets and see whether marriage gives you a bonus or penalty.
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Estate Tax Calculator
Estimate federal estate tax on an estate above the 2025 exemption, accounting for deductions and charitable gifts.
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Social Security Calculator
Estimate monthly Social Security retirement benefits across claiming ages 62 through 70 using the PIA bend-point formula.
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Annuity Calculator
Project the accumulation balance of an annuity contract from initial premium plus periodic contributions at a fixed rate.
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Annuity Payout Calculator
Calculate fixed annuity payouts over a chosen period, or how long your balance lasts at a chosen withdrawal amount.
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Credit Card Calculator
See how long a credit card balance takes to clear at your payment level, and what paying more saves in interest.
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Credit Cards Payoff Calculator
Enter balances and APRs across cards plus a monthly budget to see payoff order (avalanche), timeline, and total interest.
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Debt Payoff Calculator
Combine debts into one payoff plan: weighted APR, payoff timeline at your payment level, and interest saved by paying more.
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Debt Consolidation Calculator
Compare keeping current debt payments against consolidating into one fixed loan: totals, timelines, and monthly change.
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Repayment Calculator
Compare standard, extended, and graduated student loan repayment plans: monthly payment and lifetime cost of each.
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Student Loan Calculator
Calculate student loan payments including grace-period capitalization, total interest, and payoff date.
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College Cost Calculator
Project future college costs with tuition inflation and see whether planned savings cover the bill.
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Simple Interest Calculator
Compute simple interest instantly: principal × rate × time, with days-or-years inputs.
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CD Calculator
Calculate CD maturity value from deposit, term, and APY — including interest earned at renewal.
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Bond Calculator
Price a bond from its yield or solve yield to maturity from price.
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Mutual Fund Calculator
Project mutual fund growth net of expense ratios and see exactly what fees cost over your horizon.
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Roth IRA Calculator
Project Roth IRA growth toward retirement and compare against a taxable account given contribution limits.
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Traditional IRA Calculator
Project a traditional IRA including the upfront deduction value and future withdrawal taxes.
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RMD Calculator
Compute your required minimum distribution using the IRS Uniform Lifetime Table factors by age.
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VAT Calculator
Add VAT to a net price or extract it from a gross price at any rate, with country presets.
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Cash Back or Low Interest Calculator
Compare manufacturer cash-back rebates against subsidized low-APR financing and see which saves more over the loan.
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Auto Lease Calculator
Compute lease payments from cap cost, residual value, and money factor — plus the true interest rate you're paying.
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Depreciation Calculator
Generate yearly depreciation schedules using straight-line, double-declining balance, or sum-of-years-digits.
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Average Return Calculator
Enter yearly returns to compare simple average against true geometric average growth.
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Margin Calculator
Convert freely between revenue, cost, profit margin %, and markup %.
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Discount Calculator
Apply single or stacked percentage discounts, see savings, and the final price with tax.
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Business Loan Calculator
Amortize a business loan including origination fees to reveal the true APR beyond the headline rate.
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Debt-to-Income Ratio Calculator
Calculate front-end and back-end debt-to-income ratios and see how mortgage underwriters grade them.
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Real Estate Calculator
Analyze investment property: NOI, cap rate, monthly cash flow, and cash-on-cash return from income and expense inputs.
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Take-Home-Paycheck Calculator
See your net paycheck per period after federal tax, FICA, and pre-tax deductions for any pay frequency.
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Personal Loan Calculator
Amortize a personal loan with origination fees to see payment, total cost, and effective APR.
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Boat Loan Calculator
Estimate monthly boat loan payments up to 20-year terms, including down payment and trade-in.
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Lease Calculator
Compute operating or finance lease payments on equipment and property, comparing lease vs buy economics.
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Refinance Calculator
Compare your current mortgage against a refinance: payment change, break-even months, and lifetime savings.
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Budget Calculator
Split after-tax income into needs, wants, and savings using the 50/30/20 rule with your actual figures.
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Rental Property Calculator
Deep rental analysis: cash flow, cap rate, cash-on-cash, and long-term ROI including appreciation and selling costs.
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IRR Calculator
Solve internal rate of return for any cash flow series: investment first (negative), then returns.
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ROI Calculator
Compute return on investment and annualized ROI from cost, proceeds, and holding period.
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APR Calculator
Convert nominal rates to effective annual rate and see fee-inclusive APR on installment loans.
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FHA Loan Calculator
Estimate FHA mortgage payments including upfront and annual MIP at 3.
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VA Mortgage Calculator
Estimate VA loan payments including the VA funding fee by category, with zero-down support and no PMI.
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Home Equity Loan Calculator
Find your maximum home equity loan at your lender's CLTV limit and the fixed payment it implies.
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HELOC Calculator
Calculate your HELOC credit limit and compare interest-only draw payments vs repayment-phase amortization.
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Down Payment Calculator
Plan your down payment: time to goal at current savings rate, plus how 20% down eliminates PMI.
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Rent vs. Buy Calculator
Compare long-run wealth renting-and-investing versus buying a home, including appreciation, costs, and selling friction.
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Payback Period Calculator
How fast does an investment return its cost? Compute simple and discounted payback from annual cash flows.
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Present Value Calculator
Compute present value of a lump sum or annuity: what future money is worth in today's dollars.
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Future Value Calculator
Compute future value of a lump sum or annuity at any rate and horizon.
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Commission Calculator
Compute sales commission with tiered rates and agency splits, plus base salary totals.
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Mortgage Calculator UK
Calculate UK mortgage payments in repayment or interest-only mode with product fees.
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Canadian Mortgage Calculator
Canadian mortgage payments with the required semi-annual rate convention and accelerated biweekly options.
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Mortgage Amortization Calculator
Generate the complete mortgage amortization table with principal, interest, and remaining balance by year.
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Percent Off Calculator
Instantly see sale prices for common percent-off discounts, including stacked extra discounts.
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Pension Calculator
Estimate pension income from years of service, final average salary, and multiplier, plus personal-savings top-ups.
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About these calculators
Money decisions deserve real numbers. Our financial calculators model the way American lenders and institutions actually compute things: fully amortizing loans with monthly compounding, PMI that drops off at 80% LTV, escrowed property taxes and insurance, and state-specific sales tax rates.
Every calculator updates instantly as you type, shows a complete payment or growth schedule, and keeps all math on your device. Nothing you enter is transmitted or stored.