Finance Calculators
Loans, interest, pay and everyday money math.
Almost every money decision comes down to one question: what does this actually cost — or earn — over time? A monthly loan payment hides the total interest. A savings rate hides what it compounds into in twenty years. The calculators below turn those vague numbers into concrete ones, so you can compare options side by side before you commit — whether you are taking on a mortgage, paying down a card, or deciding how much to set aside each month.
Each tool runs entirely in your browser — nothing you type is sent anywhere — and shows the formula and a breakdown, not just a single figure. Below the tools you will find a short guide to picking the right one for your situation, plain-English explanations of the ideas they use (APR, APY, amortization, compounding), and answers to the questions people ask most.
Mortgage & home
Buy, refinance and tap the equity in a home — monthly payments, affordability, down payment and loan-to-value.
Estimate your full monthly mortgage payment — principal, interest, property tax, home insurance, PMI and HOA — with total interest and an amortization schedule.
Open →See if refinancing saves money and how fast you break even on closing costs.
Open →See how much interest and time you save by paying your mortgage every two weeks instead of monthly — the biweekly payment, years shaved off and interest saved.
Open →Estimate how much house you can afford from income, debts and down payment.
Open →Compare the long-run net worth of renting vs buying a home — with the break-even year, using the opportunity-cost (invest-the-difference) method.
Open →See whether buying discount points is worth it — the cost of points, monthly savings, the break-even month and your net result over the years you keep the loan.
Open →Find how much you can borrow against your home — your equity, available credit at a given CLTV, and the monthly payment on a home equity loan or HELOC.
Open →Work out your down payment amount and loan amount from a home price and percentage.
Open →Estimate your monthly private mortgage insurance, when it drops off, and the total PMI you'll pay before reaching 20% equity.
Open →See how much rent you can afford based on your income and the 30% rule, with a comfortable monthly range so you don't overstretch your budget.
Open →Calculate your loan-to-value ratio from a property value and down payment, and see if PMI applies.
Open →Loans & debt
Personal loans, credit cards and debt payoff — monthly payments, interest, APR and how fast you can be debt-free.
Work out the monthly payment, total interest and total cost of any loan, with a full amortization schedule.
Open →Work out your student loan payment, payoff date and total interest — including interest capitalized during school and grace, plus what paying extra saves.
Open →Find the true APR of a loan including fees, convert a monthly interest rate to APR, and see APR vs APY — free, with worked examples.
Open →Find how long it takes to clear credit card debt and the total interest you'll pay.
Open →Find out if moving a credit-card balance to a 0% promo card saves money after the transfer fee — interest both ways, payoff time and the payment that clears it within the promo.
Open →Compare snowball and avalanche strategies to pay off multiple debts faster.
Open →See if rolling your debts into one loan lowers your monthly payment and interest — enter each balance and rate, then a new loan rate and term to compare.
Open →Calculate your debt-to-income ratio to see how lenders view your finances.
Open →Retirement & investing
Grow and project your money — retirement accounts, compound growth, investment returns and capital-gains tax.
Project your retirement nest egg from savings, monthly contributions and returns.
Open →Estimate your 401(k) balance at retirement including employer matching and growth.
Open →Calculate this year's Required Minimum Distribution from your IRA or 401(k) using the IRS Uniform Lifetime Table.
Open →Project your tax-free Roth IRA balance at retirement and see how much tax you save versus a taxable account.
Open →See your 2026 HSA contribution limit, the federal, state and FICA tax you save each year, and how your health savings account grows when invested.
Open →Estimate federal and state tax on your investment profit, with 2025 long-term and short-term rates by filing status.
Open →See how savings or investments grow over time with compound interest and regular contributions.
Open →Find the present and future value of an annuity — regular payments at a fixed rate, ordinary or annuity due, with total interest and a growth chart.
Open →Calculate return on investment, net profit and annualized ROI for any investment.
Open →Analyze a rental property's monthly cash flow, cash-on-cash return, cap rate and DSCR from the price, financing and rent.
Open →Estimate how long it takes to double your money at a given return — or the rate needed to double in a set time.
Open →Calculate the maturity value and APY of a certificate of deposit from your deposit, term length and interest rate — see exactly what it grows to.
Open →See how inflation changes the buying power of money over a number of years.
Open →Savings & budgeting
Plan and track your money — savings goals, an emergency fund, net worth and a monthly budget.
Find the monthly deposit needed to reach a savings goal by your target date.
Open →Project your 529 plan's value by the time your child starts college and see how much of the four-year cost it covers.
Open →Work out how much to save for an emergency fund based on your monthly expenses.
Open →Split your monthly income into needs, wants and savings with the 50/30/20 rule.
Open →Add up your assets and liabilities to see your total net worth, and understand your financial position at a glance with a clear breakdown.
Open →Estimate how much life insurance your family needs with the DIME method — income replacement, debts, mortgage, education and final expenses, minus what you already have.
Open →Calculate simple interest and the total owed or earned on a principal over time.
Open →Income & tax
Pay, hours and taxes — take-home pay, salary vs hourly, income tax, sales tax and VAT.
Estimate your US federal income tax, effective rate and take-home pay by filing status.
Open →Work out your US self-employment (SECA) tax from net profit — the Social Security and Medicare split, the deductible half and your effective rate.
Open →Estimate your take-home pay per paycheck after taxes, FICA and retirement contributions.
Open →See how much of a bonus you take home after US withholding — the 22% flat federal rate, Social Security, Medicare and state — using 2026 IRS Publication 15 rates.
Open →Convert an annual salary to an hourly, weekly or monthly rate — and back again.
Open →Convert an hourly wage to a yearly, monthly and weekly salary based on your hours and weeks worked.
Open →Calculate your overtime pay and total weekly earnings from your hourly rate.
Open →Add up your weekly work hours from clock-in and clock-out times, with breaks, overtime and gross pay.
Open →Add or remove US sales tax from a price and see the tax amount and total.
Open →Add or remove VAT at any rate to find net price, VAT amount and gross total.
Open →Calculate the tip and split the bill evenly between any number of people.
Open →More finance tools
Estimate your annual and monthly property tax from a home's value and your local rate, with assessment ratio, exemptions and your effective tax rate.
Open →Project your Traditional IRA at retirement and its after-tax value, with tax-deferred growth, your contributions and the up-front tax your pre-tax contributions save.
Open →Find the compound annual growth rate between a beginning and ending value over a number of years, plus the total return and total gain.
Open →Convert a nominal interest rate into its annual percentage yield (APY) for any compounding frequency, and see the interest earned on a balance over time.
Open →Project dividend income from a yield and optional annual growth, with monthly and annual payouts and a DRIP reinvestment option that compounds your balance.
Open →Find your FIRE number and how many years to financial independence from your expenses, savings, contributions, return and safe withdrawal rate.
Open →Which finance calculator should you use?
Buying a home. Start with home affordability to find a sensible price, then mortgage payment for the monthly cost including taxes and insurance. Down payment and PMI show how your upfront cash changes the deal, and refinance or biweekly payments show how to pay less interest later.
Paying off debt. Use debt payoff to build a timeline, credit-card payoff to see the cost of minimum payments, and debt consolidation to check whether one combined loan would really save money. Your debt-to-income ratio tells you where you stand with lenders.
Saving and investing. Compound interest is the core tool; pair it with a savings goal, an emergency fund target, and longer-term retirement or financial-independence planning. Inflation shows what those future dollars are really worth.
Pay and taxes. Convert between salary and hourly pay, estimate take-home with the paycheck and income-tax calculators, and handle self-employment or capital-gains tax when it applies.
Money concepts worth knowing
Amortization. On a fixed loan your payment stays the same, but early on most of it is interest and only a little goes to principal; the balance tips over time. That is why extra payments early save the most — see it on the loan and mortgage calculators.
Compounding frequency. Interest that compounds monthly grows a little faster than the same rate compounded yearly. It is the gap between a stated rate and the APY you actually earn — small on a savings account, large over decades of investing.
Good payoff order. Mathematically, paying the highest-interest balance first (the avalanche) costs the least; paying the smallest balance first (the snowball) keeps you motivated. Both beat paying minimums — the credit-card payoff calculator shows how much minimums really cost.
The 28/36 rule. Lenders look at how much of your income goes to housing (around 28%) and to all debt (around 36%). Staying under those lines keeps borrowing affordable and approval likely — your debt-to-income ratio is how it is measured.
Frequently asked questions
What is the difference between APR and APY?+
APR (annual percentage rate) is the yearly cost of borrowing, including fees, without counting compounding — it is what you compare on loans and credit cards. APY (annual percentage yield) does count compounding, so it reflects what savings or investments actually grow by in a year. For the same stated rate, APY is always a little higher than APR.
How much house or rent can I afford?+
A common guideline is to keep housing costs near 28% of your gross monthly income and total debt payments under about 36%. The home-affordability and rent-affordability calculators apply those ratios to your income, debts and down payment to give a realistic price or rent ceiling, rather than the maximum a lender will approve.
Should I pay off debt or invest first?+
Compare the numbers. If a debt charges more interest than you could reasonably expect to earn investing — most credit cards do — paying it off is a guaranteed return at that rate. Lower-rate debt (like many mortgages) can run alongside investing. The debt-payoff and compound-interest calculators let you see both sides in real figures.
What does compound interest actually do to savings?+
Compounding means you earn returns on your past returns, so growth accelerates over time — the last decade of a long savings plan usually adds far more than the first. Small differences in rate or in how early you start compound into large gaps at the end. The compound-interest and retirement-savings calculators show the full curve, not just the total.
Are these finance calculators free and accurate?+
Yes — every calculator here is free, needs no sign-up, and computes locally in your browser using standard financial formulas (amortization, compound growth, standard tax brackets where applicable). They are built for planning and comparison; for a binding quote or filing, confirm the final figures with your lender, bank or a licensed professional.