Financial calculators
Explore transparent, no-signup tools with visible assumptions, plain-English results, and documented formulas.
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Loans
Loan / Mortgage Payment
Estimate payment, total interest, total cost, and amortization schedule.
Open →Auto Loan
Compare payments across price, down payment, term, and interest rate.
Open →Refinance Break-Even
Compare current and new mortgage payments, closing costs, break-even timing, and whether refinancing is worth it.
Open →Personal Loan
Estimate personal loan payments, total interest, fees, and payoff timing.
Open →Student Loan
Estimate student loan payments, grace-period impact, payoff date, and interest from extra payments.
Open →HELOC
Estimate home equity line of credit draw-period and repayment-period payments.
Open →Home Affordability
Estimate an affordable home price using income, debts, housing costs, and target DTI.
Open →Debt-to-Income (DTI)
Calculate front-end and back-end debt-to-income ratios from income, housing payment, and monthly debts.
Open →Rent vs. Buy
Compare the estimated net cost of renting versus buying a home over a chosen time horizon.
Open →Extra Mortgage Payment
See how extra monthly, annual, or one-time payments reduce interest and shorten your mortgage payoff timeline.
Open →Mortgage Closing Costs
Estimate buyer closing costs, credits, prepaids, and total cash needed at closing.
Open →PMI
Estimate monthly private mortgage insurance and when scheduled payments may reach 80% LTV.
Open →Mortgage Points
Compare mortgage payments with discount points and estimate the break-even month.
Open →Loan Comparison
Compare two loan offers using payment, interest, fees, and total cost.
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Savings & Investing
Compound Interest
Project how recurring deposits and compounding can change future value.
Open →Savings Goal
Solve for the monthly contribution needed to reach a target amount.
Open →Investment / Retirement Projection
Project long-term balance with contributions, returns, and inflation view.
Open →Emergency Fund
Estimate your emergency fund target and how long it may take to reach it with monthly savings.
Open →401(k) Contribution & Match
Project 401(k) growth from employee contributions and employer match, and see whether you capture the full match.
Open →Investment Fee
Estimate how annual investment fees may reduce long-term portfolio growth.
Open →CD
Estimate certificate of deposit interest, maturity value, and an early-withdrawal penalty scenario.
Open →FIRE
Estimate a financial-independence target and a contribution-based timeline to reach it.
Open →Coast FIRE
Estimate the portfolio needed today to grow toward a retirement target without new contributions.
Open →Retirement Withdrawal
Project inflation-adjusted retirement withdrawals, portfolio longevity, and ending balance.
Open →Roth vs. Traditional IRA
Compare Roth and traditional IRA after-tax values based on current and expected retirement tax rates.
Open →Social Security Estimator
Estimate monthly Social Security benefits at different claiming ages using your earnings history.
Open →529 / College Savings
Project 529 balance versus estimated college costs and find the monthly savings needed to close the gap.
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Interest
Simple Interest
Calculate interest earned or owed without compounding over a fixed period.
Open →APR ↔ APY Converter
Translate annual percentage yield and compounding frequency into APR.
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Planning
ROI
Calculate total return and annualized return on investment.
Open →Tip Calculator
Calculate tip, tax, grand total, and split amounts for a shared bill.
Open →Credit Card Payoff
Estimate when a single credit card balance could be paid off and how much interest you may pay.
Open →Credit Utilization
Calculate credit utilization from balance and limit, plus a target paydown amount.
Open →Debt Snowball
Create a payoff plan that targets the smallest balances first.
Open →Debt Payoff
Preview payoff timelines using balance, APR, and monthly payment.
Open →Inflation
Adjust dollar amounts for inflation using official U.S. CPI-U annual averages from the Bureau of Labor Statistics.
Open →Balance Transfer Payoff
Compare paying off a credit card at your current APR versus transferring the balance with a promotional rate.
Open →Debt Consolidation
Compare current debt payoff with a consolidation loan including interest, term, and fees.
Open →Paycheck / Take-Home Pay
Estimate your net take-home pay after federal income tax, FICA, state tax, and pre-tax deductions.
Open →Net Worth
Calculate net worth from assets and liabilities across savings, investments, real estate, and debts.
Open →Budget (50/30/20)
Divide take-home income into needs, wants, and savings using the 50/30/20 rule with adjustable splits.
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