Finance Calculators
Loans, interest, pay and everyday money math.
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 →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 →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 →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 →Calculate return on investment, net profit and annualized ROI for any investment.
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 →Estimate your take-home pay per paycheck after taxes, FICA and retirement contributions.
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.
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