Financial Calculators
Use free mortgage, loan, debt, tax, investment, and retirement calculators with clear formulas, detailed schedules, and instant results.
Buying, financing, or renting a home
Start with affordability and a down payment, then compare monthly costs, refinancing, or paying off a mortgage early.
- Price Per Square Foot CalculatorFind property price per square foot or square meter, total price, or affordable floor area. Compare purchase prices and monthly or annual rents using consistent units.
- House Affordability CalculatorEstimate how much house you can afford from household income and DTI, or from a fixed monthly housing budget — including tax, insurance, HOA, PMI, and closing costs.
- Down Payment CalculatorEstimate an affordable home price from cash on hand, the cash needed for a given price, or the down-payment percent — including closing costs, loan amount, and monthly payment.
- Mortgage CalculatorEstimate your full monthly mortgage payment — principal, interest, property tax, home insurance, PMI, HOA, and other costs — plus total interest, total cost, and the amortization schedule.
- FHA Loan CalculatorEstimate an FHA mortgage payment with upfront and annual MIP, down payment, taxes and insurance, extra payments, and a full amortization schedule.
- Refinance CalculatorCompare your current loan with a refinance: new payment, APR, monthly and lifetime savings, closing costs, cash-out, and the break-even month.
- Mortgage Payoff CalculatorSee how extra payments, biweekly payments, or paying the remaining balance in full shorten your mortgage and cut interest — with a side-by-side schedule.
- HELOC CalculatorEstimate HELOC payments during the draw and repayment periods, total interest, APR after closing costs and annual fees, and how much home equity you may be able to borrow.
- Home Equity Loan CalculatorEstimate a home equity loan's monthly payment, total interest, APR after closing costs, and how much you may be able to borrow against your home.
- Rent vs Buy CalculatorCompare the average annual cost of renting versus buying a home, including mortgage interest, taxes, maintenance, rent increases, and the opportunity cost of your down payment.
- Rent CalculatorCompare monthly rent planning scenarios from pre-tax income and entered monthly debt payments.
- Rental Property CalculatorEstimate IRR, cap rate, cash-on-cash return, and cash flow for a rental property, including loan payments, vacancy, expenses, appreciation, and the sale at the end of the hold.
Loan payments and getting out of debt
Estimate a payment or payoff date, compare borrowing fees, and see how extra payments affect outstanding debt.
- Loan CalculatorCalculate loan payments three ways: an amortized loan's periodic payment and total interest, a deferred loan's lump sum due at maturity, or a bond's present value — with adjustable compounding.
- Payment CalculatorFind a fixed-rate loan's monthly payment from its term, or how long it takes to pay off at a fixed monthly payment — with total interest and a full amortization schedule.
- Amortization CalculatorBuild a loan amortization schedule with the monthly payment, total interest, and payoff date — and see how optional extra payments shorten the term and cut total interest.
- APR CalculatorEstimate a fee-inclusive APR from a loan payment schedule, fees, points, and optional PMI for a general loan or US mortgage.
- Personal Loan CalculatorFind a personal loan's monthly payment, total interest, payoff date, and real APR after origination fees and optional credit insurance.
- Student Loan CalculatorEstimate a student loan payment from the remaining term, see how extra payments cut interest, or project the balance through school and the grace period.
- Auto Loan CalculatorCalculate your car loan's monthly payment, amount financed, sales tax, total interest, and total cost — or find the auto price you can afford from a target payment.
- Boat Loan CalculatorCalculate a boat loan's monthly payment, amount financed, sales tax, fees, and total cost — or find the boat price you can afford from a target payment.
- Credit Card CalculatorFind how long a credit card balance takes to pay off at a fixed monthly payment, or the payment needed to clear it in a chosen timeframe — with total interest, a principal-vs-interest split, and a payoff schedule.
- Credit Card Payoff CalculatorPlan a payoff schedule for multiple credit cards using the debt avalanche method — highest APR first — with total interest, a principal-vs-interest breakdown, and per-card payment phases.
- Debt Payoff CalculatorEstimate how long it takes to pay off one or more debts with the debt avalanche method — highest APR first — plus extra payments, total interest, and a per-debt schedule.
- Debt Consolidation CalculatorSee whether a consolidation loan is worth it by comparing its fee-adjusted APR with the combined APR of your current debts — plus monthly payment, payoff time, and total interest.
- Repayment CalculatorFind the installment needed to repay a debt within a fixed term, or the payoff length for a fixed installment.
- Debt-to-Income (DTI) Ratio CalculatorCalculate front-end and back-end debt-to-income ratios from income, housing costs, and monthly liabilities.
Saving, investing, and future costs
Compare contributions, compounding, inflation, and investment returns. Use college cost planning for a dated education goal.
- Money Market Account CalculatorEstimate money market account growth from APY and regular deposits. See monthly interest, account fees, fee-waiver assumptions, and your projected net earnings.
- Forex Compounding CalculatorModel forex account compounding with a fixed return or a sequence of gains and losses. Include contributions, profit withdrawals, and a period-by-period balance schedule.
- APY CalculatorConvert nominal APR to APY or APY to APR, estimate savings with regular deposits, or annualize interest earned over a stated number of days.
- CAGR CalculatorCalculate compound annual growth from starting and ending values, use exact dates, or project a future value from an annual growth rate.
- Stock Average CalculatorFind your weighted average share price across multiple purchases, including fees, and estimate profit or loss at a chosen sell price.
- Savings CalculatorEstimate the end balance of a savings plan from an initial deposit, annual and monthly contributions, compounding frequency, and tax.
- Daily Compound Interest CalculatorCalculate daily compound growth between dates or over a calendar term. Set earning weekdays, excluded dates, reinvestment, recurring cash flows and one-time deposits.
- Compound Interest CalculatorProject compound growth with recurring deposits, withdrawals, payment timing, and annual increases. Compare balances, interest earned, and monthly or yearly schedules.
- Interest CalculatorCalculate compound interest on an initial investment plus regular contributions. See the ending balance, total interest, the interest split, and an inflation-adjusted buying power.
- Simple Interest CalculatorCalculate simple interest and end balance from principal, rate, and term — or solve for the principal, term, or rate instead.
- Interest Rate CalculatorFind the nominal annual interest rate on a loan from the amount, term, and monthly payment. See total payments, interest, and an amortization schedule.
- CD CalculatorSee what a certificate of deposit is worth at maturity. Enter the deposit, rate, compounding frequency, term, and tax to get the end balance, interest, and accumulation schedule.
- Savings Goal CalculatorFind how much to save, how long it takes to reach a goal, or your future balance. Include starting savings, payment timing, annual step-ups and a detailed schedule.
- SIP CalculatorProject a systematic investment plan with regular contributions, annual step-ups, starting savings and beginning or end-period payments. See invested amounts and growth.
- Investment CalculatorSolve any one variable of an investment plan — end balance, required contribution, return rate, starting amount, or length — with a full accumulation schedule and balance breakdown.
- College Cost CalculatorEstimate future U.S. college costs from today's annual price, inflation, current savings, and after-tax returns — including how much to save each month.
- Inflation CalculatorConvert a dollar amount between years using U.S. CPI data, or project purchasing power forward and backward at a flat average inflation rate.
- Future Value CalculatorSee what a starting amount plus regular deposits will be worth. Enter the number of periods, rate per period, and optional periodic deposit to get the future value, present-value equivalent, and a full schedule.
- Present Value CalculatorFind what a future lump sum or a stream of deposits is worth today. Enter the number of periods and the rate per period to get the present value, interest split, and — for deposits — a full schedule.
- Finance CalculatorA five-key time value of money calculator: solve for future value, present value, periodic payment, number of periods, or interest rate, with a full period schedule.
- Bond CalculatorPrice a fixed-rate coupon bond, or solve for face, yield, coupon, or time to maturity. Between coupon dates, get the dirty price, clean price, and accrued interest.
- Mutual Fund CalculatorEstimate a mutual fund's ending value, net return, IRR, sales loads, and operating expenses.
- ROI CalculatorCalculate return on investment and annualized ROI from the amount invested, the amount returned, and either dates or a holding period in years.
- IRR CalculatorCalculate the internal rate of return from a fixed recurring cash flow or from irregular yearly cash flows, with total return, gross return, and a capital-vs-return breakdown.
- Average Return CalculatorCalculate a dated investment return from deposits and withdrawals, or cumulative and annualized returns across multiple holding periods.
Retirement savings and income
Explore a retirement goal, compare account types, or estimate withdrawals and income. Each tool states its tax and return assumptions.
- Savings Withdrawal CalculatorEstimate how long savings last with regular withdrawals, annual spending increases and investment growth, or solve the initial withdrawal for a chosen duration.
- Retirement CalculatorPlan retirement four ways: how much you need saved, the monthly savings to reach it, the sustainable withdrawal your savings support, and how long a pot of money will last.
- 401(k) CalculatorProject a 401(k) balance at retirement, estimate early-withdrawal taxes and the 10% penalty, and find the contribution window that captures the full employer match.
- IRA CalculatorCompare Traditional, SIMPLE, or SEP IRA growth with a Roth IRA and taxable savings, using before-tax contributions and current vs retirement tax rates.
- Roth IRA CalculatorEstimate a Roth IRA balance at retirement and compare it with a taxable account, including principal, interest, tax, and a year-by-year schedule.
- RMD CalculatorCalculate a required minimum distribution and project future RMDs from an IRA or retirement account.
- Pension CalculatorCompare a pension lump sum with lifetime income, single-life with survivor benefits, or retiring later for a larger pension.
- Social Security CalculatorCompare Social Security retirement claim ages from 62 through 70 and find the financial break-even age between two benefit options.
- Annuity CalculatorProject the accumulation phase of an annuity from a starting principal, optional annual and monthly additions, and an annual growth rate — annuity due or ordinary.
- Annuity Payout CalculatorEstimate the income an accumulated annuity can pay for a fixed number of years, or how long a chosen withdrawal will last, with totals and a year-by-year balance schedule.
Pay, taxes, and a household budget
Convert pay periods, estimate take-home income, and plan spending. Tax tools explain the jurisdiction and rules they cover.
- Overtime CalculatorCalculate overtime and time-and-a-half pay from entered hours or a weekly threshold. Compare regular pay, two overtime rates, premium pay and total gross earnings.
- Pay Raise CalculatorCalculate new pay from a percentage or fixed raise, or compare a new salary offer. See hourly, daily, weekly, monthly, and annual differences.
- Money CounterCount bills and coins in US dollars, euros, or British pounds. Enter the quantity of each denomination to total your cash.
- Cash Back CalculatorCalculate cash back on a purchase or spending period, apply a reward cap, and compare rewards with an optional fee.
- Million to Billion ConverterConvert millions to billions or billions to millions, with an exact full-number expansion using the modern short scale.
- Salary CalculatorConvert a salary between hourly, daily, weekly, bi-weekly, semi-monthly, monthly, quarterly, and annual pay — with a holidays-and-vacation-adjusted column.
- Paycheck CalculatorEstimate take-home pay from salary or hourly wages using the 2026 IRS W-4 withholding method, FICA, deductions, and a state/local rate.
- Income Tax CalculatorEstimate your U.S. federal income tax refund or amount owed for 2025 or 2026 — from wages, self-employment, and investment income through deductions, credits, FICA, and withholding.
- Budget CalculatorPlan a personal budget from before-tax income and monthly or yearly expenses — leftover or deficit, debt-to-income ratio, and an expense breakdown.
- Sales Tax CalculatorCalculate sales tax and the before- or after-tax price. Enter any two of the before-tax price, tax rate, and after-tax price to solve for the third.
- VAT CalculatorAdd or remove VAT from a price. Enter any two of the VAT rate, net (before-tax) price, gross (tax-inclusive) price, and tax amount to solve the rest.
- Currency CalculatorConvert between currencies with a live mid-market exchange rate, or enter a custom rate. See the reverse conversion and the rate date and source.
Business costs, commission, and leases
Calculate sales compensation and margins, compare lease payments, or evaluate financing and the recovery of an investment.
- Commission CalculatorCalculate a simple percentage commission, a base-plus-commission paycheck, or a tiered (marginal) commission from sales.
- Margin CalculatorCalculate profit margin and markup from any two of cost, revenue, margin, and profit — plus stock-trading and currency-exchange margin requirements.
- Business Loan CalculatorEstimate a business loan's payment, total interest, and fee-inclusive APR after entered origination, documentation, and other fees.
- Depreciation CalculatorBuild straight-line, declining-balance, or sum-of-the-years'-digits accounting depreciation schedules, including partial years.
- Payback Period CalculatorCalculate regular and discounted payback periods, cash-flow return rate, and a year-by-year investment schedule.
- Lease CalculatorFind the monthly payment on a lease from the interest rate, or the effective rate from a known payment — with residual value, totals, and a principal-vs-interest split.
- Auto Lease CalculatorEstimate a car lease monthly payment from the vehicle price, or the price that fits a target payment — plus depreciation, money factor, tax, and a buy-instead comparison.