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.
Inputs
- Loan amount
- Rate
- Term
Auto Loan
Compare payments across price, down payment, term, and interest rate.
Inputs
- Vehicle price
- Down payment
- Tax
Car Lease vs. Buy
Compare the estimated net cost of leasing versus buying a vehicle over a chosen comparison period.
Inputs
- Vehicle price
- Lease payment
- Buy rate
- Horizon
Car Affordability Calculator
Estimate how much car you can afford using the 15% take-home rule and 20/4/10 guideline.
Inputs
- Income
- Down payment
- APR
- Term
Refinance Break-Even
Compare current and new mortgage payments, closing costs, break-even timing, and whether refinancing is worth it.
Inputs
- Balance
- Rate
- Closing costs
- Stay period
Personal Loan
Estimate personal loan payments, total interest, fees, and payoff timing.
Inputs
- Amount
- APR
- Term
Student Loan
Estimate student loan payments, grace-period impact, payoff date, and interest from extra payments.
Inputs
- Balance
- Rate
- Term
HELOC
Estimate home equity line of credit draw-period and repayment-period payments.
Inputs
- Credit line
- Borrowed
- Rate
Home Affordability
Estimate an affordable home price using income, debts, housing costs, and target DTI.
Inputs
- Income
- Debts
- Down Payment
PITI Calculator
Estimate monthly principal, interest, taxes, insurance, PMI, HOA, and total PITI payment.
Inputs
- Home price
- Down payment
- Rate
- Tax
Debt-to-Income (DTI)
Calculate front-end and back-end debt-to-income ratios from income, housing payment, and monthly debts.
Inputs
- Income
- Housing
- Debts
Rent vs. Buy
Compare the estimated net cost of renting versus buying a home over a chosen time horizon.
Inputs
- Rent
- Home price
- Rate
- Horizon
Extra Mortgage Payment
See how extra monthly, annual, or one-time payments reduce interest and shorten your mortgage payoff timeline.
Inputs
- Balance
- Rate
- Term
- Extra payment
Mortgage Closing Costs
Estimate buyer closing costs, credits, prepaids, and total cash needed at closing.
Inputs
- Home price
- Down payment
- Fees
- Credits
PMI
Estimate monthly private mortgage insurance and when scheduled payments may reach 80% LTV.
Inputs
- Home price
- Down payment
- PMI rate
Mortgage Points
Compare mortgage payments with discount points and estimate the break-even month.
Inputs
- Loan amount
- Rates
- Points
Loan Comparison
Compare two loan offers using payment, interest, fees, and total cost.
Inputs
- Amount
- APR
- Term
- Fees
Savings & Investing
Compound Interest
Project how recurring deposits and compounding can change future value.
Inputs
- Principal
- Frequency
- Contribution
Dollar Cost Averaging Calculator
Project portfolio growth from regular investments and compare lump sum vs. DCA scenarios.
Inputs
- Contribution
- Frequency
- Return
- Years
Savings Goal
Solve for the monthly contribution needed to reach a target amount.
Inputs
- Target
- Time
- Rate
Investment / Retirement Projection
Project long-term balance with contributions, returns, and inflation view.
Inputs
- Balance
- Contribution
- Return
RMD Calculator
Estimate your required minimum distribution from tax-deferred retirement accounts using IRS life expectancy factors.
Inputs
- Account balance
- Age
Emergency Fund
Estimate your emergency fund target and how long it may take to reach it with monthly savings.
Inputs
- Expenses
- Months
- Savings
- Contribution
401(k) Contribution & Match
Project 401(k) growth from employee contributions and employer match, and see whether you capture the full match.
Inputs
- Salary
- Contribution %
- Match
- Years
Investment Fee
Estimate how annual investment fees may reduce long-term portfolio growth.
Inputs
- Balance
- Contributions
- Return
- Fee
CD
Estimate certificate of deposit interest, maturity value, and an early-withdrawal penalty scenario.
Inputs
- Deposit
- APY
- Term
- Penalty
High-Yield Savings (HYSA)
Project HYSA growth and compare the dollar difference versus a standard savings account rate.
Inputs
- Starting balance
- Monthly contribution
- APY
- Time horizon
FIRE
Estimate a financial-independence target and a contribution-based timeline to reach it.
Inputs
- Spending
- Withdrawal rate
- Investments
- Return
Coast FIRE
Estimate the portfolio needed today to grow toward a retirement target without new contributions.
Inputs
- Age
- Retirement age
- Spending
- Return
Retirement Withdrawal
Project inflation-adjusted retirement withdrawals, portfolio longevity, and ending balance.
Inputs
- Portfolio
- Withdrawal
- Return
- Inflation
Lump Sum vs. Pension
Compare taking a pension as a one-time lump sum vs. monthly lifetime payments. See break-even age and present value of the pension stream.
Inputs
- Lump sum offer
- Monthly pension
- Current age
- Life expectancy
- Investment return
Roth vs. Traditional IRA
Compare Roth and traditional IRA after-tax values based on current and expected retirement tax rates.
Inputs
- Contribution
- Current tax rate
- Retirement tax rate
- Return
Social Security Estimator
Estimate monthly Social Security benefits at different claiming ages using your earnings history.
Inputs
- Annual earnings
- Years worked
- Current age
- Claiming age
529 / College Savings
Project 529 balance versus estimated college costs and find the monthly savings needed to close the gap.
Inputs
- Child's age
- Current balance
- Monthly contribution
- Annual cost
401(k) Early Withdrawal Penalty Calculator
Estimate the tax and 10% penalty on an early 401(k) withdrawal before age 59½ and your net proceeds.
Inputs
- Withdrawal amount
- Age
- Other income
- Filing status
I Bond & T-Bill Yield Calculator
Calculate T-bill investment yield and I Bond composite rates with projected value and early redemption penalties.
Inputs
- Instrument
- Purchase price
- Fixed rate
- Inflation rate
Interest
Simple Interest
Calculate interest earned or owed without compounding over a fixed period.
Inputs
- Principal
- Rate
- Time
Rule of 72
Estimate how long it takes money to double at a given annual return using the rule of 72 and exact compounding math.
Inputs
- Annual return
APR ↔ APY Converter
Translate annual percentage yield and compounding frequency into APR.
Inputs
- APR
- APY
- Frequency
Planning
ROI
Calculate total return and annualized return on investment.
Inputs
- Initial
- Final
- Time
Capital Gains Tax
Estimate federal and state capital gains tax on an asset sale from cost basis, sale price, and tax rates.
Inputs
- Cost basis
- Sale price
- Federal rate
- State rate
Income Tax Estimator
Estimate federal and state income tax, effective and marginal rates, and after-tax income using 2026 IRS brackets.
Inputs
- Filing status
- Gross income
- Deductions
- State
HSA Calculator
Project HSA balance growth, estimate triple tax advantage savings, and model medical spending through retirement.
Inputs
- Contribution
- Employer match
- Medical costs
- Return
Roth Conversion Calculator
Estimate tax on converting a traditional IRA to Roth, compare retirement outcomes, and see break-even timing.
Inputs
- IRA balance
- Income
- Filing status
- Tax bracket
IRMAA Calculator
Estimate 2026 Medicare Part B and Part D IRMAA from 2024 MAGI and filing status — monthly surcharges, household cost if both spouses enroll, and distance to the next cliff.
Inputs
- MAGI
- Filing status
- Both on Medicare
Rental Property Calculator
Analyze rental cash flow, cap rate, cash-on-cash return, and a five-year projection from purchase and expense inputs.
Inputs
- Purchase price
- Rent
- Down payment
- Expenses
Pay Off Debt vs. Invest
Compare paying off debt early versus investing extra money using your loan rate, expected return, and time horizon.
Inputs
- Extra payment
- Debt balance
- Interest rate
- Return
Tip Calculator
Calculate tip, tax, grand total, and split amounts for a shared bill.
Inputs
- Bill
- Tip
- People
Credit Card Payoff
Estimate when a single credit card balance could be paid off and how much interest you may pay.
Inputs
- Balance
- APR
- Payment
Credit Utilization
Calculate credit utilization from balance and limit, plus a target paydown amount.
Inputs
- Balance
- Limit
- Target
Debt Snowball
Create a payoff plan that targets the smallest balances first.
Inputs
- Debts
- Minimums
- Extra Payment
Debt Payoff
Preview payoff timelines using balance, APR, and monthly payment.
Inputs
- Debts
- Rates
- Extra Payment
Inflation
Adjust dollar amounts for inflation using official U.S. CPI-U annual averages from the Bureau of Labor Statistics.
Inputs
- Amount
- Start Year
- End Year
Balance Transfer Payoff
Compare paying off a credit card at your current APR versus transferring the balance with a promotional rate.
Inputs
- Balance
- Current APR
- Promo APR
- Payment
Debt Consolidation
Compare current debt payoff with a consolidation loan including interest, term, and fees.
Inputs
- Balance
- Current APR
- New APR
- Term
Paycheck / Take-Home Pay
Estimate your net take-home pay after federal income tax, FICA, state tax, and pre-tax deductions.
Inputs
- Gross pay
- Filing status
- State tax rate
- Deductions
Raise Calculator
See exactly how much more take-home pay your salary increase produces after federal income tax, FICA, and state taxes.
Inputs
- Current salary
- New salary
- Pay frequency
- Filing status
- State tax rate
Home Sale Proceeds
Estimate net proceeds after agent commission, closing costs, mortgage payoff, and capital gains tax, including the primary residence exclusion.
Inputs
- Sale price
- Purchase price
- Mortgage balance
- Commission
- Closing costs
- Filing status
Net Worth
Calculate net worth from assets and liabilities across savings, investments, real estate, and debts.
Inputs
- Assets
- Liabilities
Budget (50/30/20)
Divide take-home income into needs, wants, and savings using the 50/30/20 rule with adjustable splits.
Inputs
- Monthly income
- Needs %
- Wants %
- Savings %
W-4 Withholding Calculator
Estimate federal income tax withholding and how much extra to withhold on your W-4 after life events or side income.
Inputs
- Gross pay
- Filing status
- Dependents
- Extra withholding
Self-Employed Tax Calculator
Estimate self-employment tax, federal income tax, and quarterly estimated tax payments for freelancers and contractors.
Inputs
- Net SE income
- Filing status
- W-2 wages
- State
Side Income Tax Calculator
Estimate extra tax owed on 1099 or gig income alongside a W-2 salary, including self-employment tax and quarterly estimated payment amounts.
Inputs
- W-2 salary
- Side income
- Business expenses
- Filing status
- State
Life Insurance Needs Calculator
Estimate how much life insurance coverage you need based on income replacement, debts, mortgage, and education goals.
Inputs
- Annual income
- Years to replace
- Debts
- Existing coverage