80 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.
Mortgages13
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.
Loans10
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.
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 Cards1
Savings & Banking11
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.
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.
Retirement9
Retirement Calculator
Project your retirement savings: what your balance could reach by retirement age and the monthly income it could sustainably provide.
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.
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.
Investing14
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.
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.
Taxes3
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.
Budgeting & Income19
Salary to Hourly Calculator
Convert an annual salary to hourly, weekly, biweekly, and monthly pay — adjusted for your real hours and weeks worked.
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.