Financial Calculators
Explore calculators for borrowing, saving, investing, taxes, retirement, property, and everyday money decisions. Enter the amounts, rates, dates, and assumptions that match your scenario to compare payments, balances, returns, costs, and timelines. Each calculator documents its method and links to the authorities used for definitions or rules.
What can you calculate here?
Choose a focused tool below for a transparent, shareable result backed by the method and sources shown on its page.
Mortgage Calculator
Work out your monthly mortgage payment with taxes, insurance, PMI and HOA, then see the full amortization schedule and what the loan really costs.
FHA Loan Calculator
Estimate your FHA loan payment with upfront and annual MIP, taxes, insurance and HOA, using HUD’s own mortgage insurance rate table and cancellation rules.
VA Mortgage Calculator
Calculate your VA loan monthly payment with accurate funding fees, interest costs, and amortization based on current rates and loan terms.
APR Calculator
Calculate the APR on a loan including fees, and see how far the annual percentage rate sits above the note rate you were quoted.
Personal Loan Calculator
Work out the monthly payment, total interest and payoff timeline on a fixed-rate personal loan, and see what paying a little extra each month would save you.
Compound Interest Calculator
See what regular saving really becomes: future value, total interest and the true APY for any rate, term and compounding frequency, year by year.
Interest Calculator
Work out the interest a lump sum earns, compare simple against compound, and see the APY that any quoted rate and compounding schedule really pays.
Interest Rate Calculator
Know the loan amount, the monthly payment and the term but not the rate? Solve for the interest rate you are really paying, using the Regulation Z method.
Finance Calculator
Solve any one of the five time-value-of-money variables — periods, rate, present value, payment or future value — from the other four, with signed cash flows.
Annuity Calculator
Calculate the present value, payment amount, term, or interest rate of an ordinary annuity. Solve for any variable given the others in this annuity calculator.
Annuity Payout Calculator
Find the fixed payout a lump sum can pay over a set number of years, or how long a fixed payout will last, with a year-by-year balance depletion schedule.
CD Calculator
Estimate CD maturity value, total interest, APY, and the early-withdrawal penalty before you cash out before the term ends, using your deposit terms.
Savings Calculator
See how regular saving grows over time with a starting balance, recurring deposits, compound interest, and the account’s effective APY for planning.
IRA Calculator
Work out how much of your traditional IRA contribution is deductible, then compare traditional against Roth on what each actually leaves you after tax.
RMD Calculator
Work out your required minimum distribution from the IRS Uniform Lifetime Table, and project what you must withdraw from an IRA year by year from age 73.
Income Tax Calculator
Work out your 2026 federal income tax from the official IRS brackets, see your marginal and effective rate, and exactly what each tax bracket cost you.
Salary Calculator
Convert pay between hourly, daily, weekly, biweekly, semimonthly, monthly and annual using the FLSA conversion, and see what an hour actually worked is worth.
Retirement Calculator
See what your savings reach by retirement, the nest egg your income goal really needs, and the monthly contribution that closes the gap. Inflation-adjusted.
Auto Loan Calculator
Work out a car payment the way a dealer does — sales tax, title and fees financed, trade-in and negative equity included, with the total interest shown.
Amortization Calculator
Build a dated amortization schedule for any fixed-rate loan, split every payment into principal and interest, and see how extra payments change payoff.
401(k) Calculator
Project your 401(k) balance with salary growth, employee deferrals, employer matching, monthly compounding, and the official 2026 IRS limits.
Roth IRA Calculator
Estimate your 2025 or 2026 Roth IRA contribution limit from IRS income rules, then project the balance, contributions and tax-free growth over time.
Student Loan Calculator
Estimate a fixed student loan payment, total interest and payoff time, then see how extra monthly principal could reduce the cost.
Investment Calculator
Project an investment with monthly contributions, annual fees, and inflation. See growth, fee drag, and the ending value in today’s dollars.
Rent vs Buy Calculator
Compare renting with buying by net worth, including mortgage equity, closing and selling costs, upkeep, rent growth, and invested cash differences.
Social Security Calculator
Compare Social Security retirement benefits from age 62 to 70 using official SSA reductions, delayed credits, full retirement age, and rounding rules.
Capital Gains Calculator
Estimate 2026 federal tax on a short- or long-term capital gain using sale proceeds, adjusted basis, filing status, and taxable income.
Mortgage Payoff Calculator
Compare your current mortgage payoff with extra monthly principal or an immediate lump sum, and see the payoff date, interest, and time saved.
Refinance Calculator
Compare a fixed-rate mortgage refinance with your current payment, including closing costs, break-even timing, five-year cost, and lifetime savings.
House Affordability Calculator
See how much house you can afford from your income, debts and down payment using the 28/36 front-end and back-end ratios, with a full monthly breakdown.
HELOC Calculator
Size your home equity line of credit, then see the interest-only draw payment, the amortizing repayment payment, and the payment shock between them.
Home Equity Loan Calculator
Work out your home equity loan payment, how much you can borrow at your lender’s combined loan-to-value cap, total interest, and both loans together.
Budget Calculator
Build a monthly budget from take-home income, pay frequency, and custom needs, wants, savings, and debt-allocation percentages for planning.
Pension Calculator
Estimate a level monthly pension payout from a starting balance, assumed annual return, chosen payment period, and clear retirement planning assumptions.
Debt Payoff Calculator
See how extra monthly payments change your debt payoff time, total interest, and balance using a cent-rounded repayment schedule you can compare.
Debt Consolidation Calculator
Estimate the payment, interest, and fee-inclusive cost of replacing several balances with one fixed-rate consolidation loan before accepting terms.
Credit Card Payoff Calculator
Estimate how long a credit-card balance takes to repay, total interest, and how extra monthly payments change the payoff plan under fixed terms.
Business Loan Calculator
Estimate a business loan payment, total interest, and fee-inclusive borrowing cost for a fixed-rate financing scenario before lender terms are finalized.
Auto Lease Calculator
Estimate a vehicle lease payment, depreciation, and total scheduled cost from negotiated price, residual value, rate, term, and upfront reduction.
Depreciation Calculator
Calculate straight-line depreciation, monthly expense, and ending book value for an asset across its estimated useful life with clear assumptions.
Inflation Calculator
Estimate how inflation changes the future purchasing-power cost of an amount over time using a transparent annual scenario rate and horizon.
Take-Home Pay Calculator
Estimate annual and monthly take-home pay from gross pay, pre-tax deductions, and effective federal, state, and payroll rates for budgeting.
Debt-to-Income Calculator
Calculate debt-to-income ratio from gross monthly income and recurring monthly debt payments to screen borrowing capacity with clear assumptions.
Rental Property Calculator
Estimate rental property cash flow after rent, operating expenses, and a modeled fixed-rate mortgage payment for a simple planning scenario.
Real Estate Calculator
Screen a real-estate scenario with price, financing, rent, operating costs, mortgage payment, and a transparent monthly cash-flow estimate.
IRR Calculator
Estimate the internal rate of return for an initial investment with equal annual cash flows and a terminal value using transparent assumptions.
ROI Calculator
Calculate return on investment after additional costs, showing net value, gain or loss, and the exact percentage formula used.
Estate Tax Calculator
Estimate a simplified taxable estate and scenario tax after deductions and an entered exemption, with IRS references and clear limitations.
Marriage Tax Calculator
Compare a simplified joint and separate tax scenario from two incomes, a combined deduction, and an entered marginal rate.
Sales Tax Calculator
Calculate sales tax, discounted subtotal, and final purchase total from price, quantity, discount, and an entered tax rate.
VAT Calculator
Add value-added tax to a net price and show the VAT amount and gross price using a clear rate and jurisdiction-neutral formula.
Discount Calculator
Find the savings, discounted sale price, and optional after-tax total from an original price and percentage discount.
Tip Calculator
Calculate a tip, total bill, and equal per-person share from the bill amount, gratuity rate, group size, and clear rounding assumptions.
Down Payment Calculator
Estimate the cash down payment, resulting mortgage amount, and principal-and-interest payment from home price and financing assumptions.
Simple Interest Calculator
Simple Interest Calculator projects balance from principal, annual rate, and elapsed years.
Future Value Calculator
Future Value Calculator returns a projected future value from principal, contribution, rate, years, and frequency.
Present Value Calculator
Present Value Calculator computes the present value of a future amount from future value, rate, and years.
Margin Calculator
Margin Calculator returns gross margin percentage from entered revenue and cost amounts.
Commission Calculator
Commission Calculator returns earned commission from an entered sales total and percentage rate.
Payback Period Calculator
Payback Period Calculator estimates years to recover an initial investment from annual cash flow.
Currency Calculator
Currency Calculator returns a converted amount from the entered amount and exchange rate.
GDP Calculator
GDP Calculator returns economic output from consumption, investment, government spending, and net exports.
Crypto Profit Calculator
Crypto Profit Calculator derives profit from sell price, buy price, and units.
Freelance Rate Calculator
Freelance Rate Calculator derives hourly rate from target income, expenses, and billable hours.
Hourly to Salary Calculator
Hourly to Salary Calculator finds annual salary from hourly, hours per week, and weeks.
Cost of Living Calculator
Cost of Living Calculator returns adjusted cost from current cost and index.
HSA/FSA Calculator
HSA/FSA Calculator returns remaining account balance from entered contributions and eligible expenses.
Child Tax Credit Calculator
Child Tax Credit Calculator estimates scenario credit from children and credit per child.
Solar Payback Calculator
Solar Payback Calculator returns payback period from system cost and annual savings.
Mortgage Recast Calculator
Mortgage Recast Calculator returns a simplified monthly payment from remaining balance and months left.
RSU Vesting Calculator
RSU Vesting Calculator computes after-tax proceeds from shares, share price, and tax per share.
Break Even Calculator
Break Even Calculator determines break-even units from fixed costs, price, and variable cost.
Burn Rate Calculator
Burn Rate Calculator determines burn rate from starting cash, ending cash, and months.
Subscription Audit Calculator
Subscription Audit Calculator returns monthly subscription cost from monthly cost and subscriptions.
Tuition ROI Calculator
Tuition ROI Calculator compares tuition with projected salary gains across entered years.