Financial Calculators
Mortgages, loans, interest, investing, retirement, and everyday money math — browse by topic or search below.
73 calculators in this category
Showing all 73 calculators
Mortgages & Home Buying
Estimate payments, affordability, and the cost of buying, refinancing, or renting a home.
- Mortgage CalculatorEstimate your total monthly mortgage payment — principal & interest, property tax, and home insurance — from home price, down payment, interest rate, and loan term.
- Mortgage Payoff CalculatorSee exactly how much time and interest you'd save by paying extra toward your mortgage principal every month — an exact schedule comparison, not an estimate.
- House Affordability CalculatorEstimate a maximum home purchase price under standard 28%/36% debt-ratio assumptions, from your income, existing debt, down payment, and mortgage rate.
- Down Payment CalculatorCalculate the required down payment dollar amount and remaining loan amount for a target purchase price and down payment percentage.
- Refinance CalculatorCalculate your monthly payment savings and break-even point when refinancing a loan to a new rate or term.
- FHA Loan CalculatorEstimate your total monthly FHA loan payment — principal & interest plus upfront and annual mortgage insurance premium (MIP) — from home price, down payment, interest rate, and term.
- VA Mortgage CalculatorCalculate monthly payments for a VA loan with 0% down payment, no monthly PMI, and official VA funding fee tier schedules.
- Canadian Mortgage CalculatorCalculate monthly and bi-weekly Canadian mortgage payments using mandatory semi-annual compounding and CMHC mortgage insurance premium rules.
- Mortgage Calculator UKCalculate monthly mortgage repayments in GBP (£) and Stamp Duty Land Tax (SDLT) liability under HMRC residential rates for England & Northern Ireland.
- Home Equity Loan CalculatorCalculate your Combined Loan-to-Value (CLTV) ratio and fixed monthly payment for a home equity loan.
- HELOC CalculatorCalculate interest-only draw period payments and amortizing repayment phase payments for a Home Equity Line of Credit (HELOC).
- Rent vs. Buy CalculatorCompare the net wealth outcome of renting vs. buying a home over your expected stay, using the invest-the-difference method — see the numeric differential and break-even year, not an opinion.
- Rent CalculatorCalculate a recommended maximum monthly rent from your gross income and existing debt, using the 30% rule and a 36% debt-adjusted cap.
- Real Estate CalculatorCalculate cap rate, cash-on-cash return, and gross rental multiplier (GRM) for a rental property investment.
Loans & Borrowing
Work out payments, rates, and total cost for personal, auto, student, and business loans.
- Loan CalculatorCalculate your fixed loan payment, total payments, and total interest for monthly, biweekly, or weekly payment schedules.
- Personal Loan CalculatorCalculate your fixed monthly payment, total interest, and total repayment for an unsecured personal loan with a 1 to 7 year term.
- Auto Loan CalculatorEstimate your monthly auto loan payment, total interest, and total sales tax — factoring in a trade-in, down payment, and your local sales tax rate.
- Boat Loan CalculatorCalculate your monthly boat loan payment and total interest from the vessel price, down payment percentage, marine loan APR, and term. Taxes, fees, and insurance are excluded.
- Student Loan CalculatorEstimate your fixed-rate student loan monthly payment, total interest, and total repayment. A simple repayment estimate only — not a federal repayment-plan (IBR, PAYE, SAVE) calculator.
- Business Loan CalculatorCalculate monthly commercial debt service, upfront origination fees, total interest, total repayment, and true APR for business loans.
- Payment CalculatorCalculate the fixed periodic payment for any financed amount, interest rate, and exact number of payments — for monthly, biweekly, or weekly schedules.
- Repayment CalculatorCalculate the periodic repayment installment for a fixed-rate balance, given the principal, annual interest rate, repayment term, and frequency.
- Amortization CalculatorCalculate your fixed monthly loan payment, total interest, total of all payments, and payoff date from a loan amount, interest rate, and term.
- APR CalculatorCalculate the true Annual Percentage Rate (APR) on a loan factoring in interest rate, discount points, and upfront fees under Regulation Z rules.
- Interest Rate CalculatorCalculate the implied annual interest rate (APR), total payments, and total interest for any fixed amortizing loan from the loan amount, payment, and term.
- Cash Back or Low Interest CalculatorCompare a dealer cash rebate at standard APR against declining it for a lower promotional APR, and see which option costs less overall.
- Lease CalculatorCalculate your monthly lease payment and residual buy-out value for a property or equipment lease, based on asset value, term, interest rate, and residual percentage.
- Auto Lease CalculatorCalculate your monthly auto lease payment, including the depreciation charge and finance charge, from capitalized cost, money factor, and residual value.
Debt & Credit
Plan a payoff, compare consolidation, and check how debt fits your income.
- Debt Payoff CalculatorCalculate how many months it will take to pay off a debt balance and the total interest paid, given a fixed monthly payment and interest rate.
- Debt Consolidation CalculatorCalculate monthly savings and total lifetime interest reduction from consolidating multiple debts into one loan.
- Credit Card CalculatorFind out how many months it takes to pay off a credit card balance at a fixed monthly payment, and how much interest you'll pay.
- Credit Cards Payoff CalculatorCompare the debt avalanche and debt snowball strategies for paying off multiple credit cards with one shared monthly budget — see months to payoff and total interest for each.
- Debt-to-Income Ratio CalculatorCalculate your front-end and back-end debt-to-income (DTI) ratios from gross monthly income, housing payment, and other recurring debt.
Interest & Time Value of Money
See how interest, compounding, inflation, and timing change what money is worth.
- Interest CalculatorCalculate the final accumulated balance and total interest earned on a principal balance, with a choice of annual, semi-annual, quarterly, or monthly compounding.
- Simple Interest CalculatorCalculate simple interest on a principal sum using the linear I = P × r × t formula. Enter principal, annual rate, and time period in years to get total interest earned and the resulting end balance — no compounding.
- Compound Interest CalculatorCalculate how your savings or investment grows with compound interest, including optional recurring contributions, annual or monthly compounding, and total interest earned.
- Future Value CalculatorCalculate the future value of a lump-sum present amount given an annual interest rate and a number of years, with interest applied once per year.
- Present Value CalculatorCalculate the present value of a future cash amount by discounting it back to today at an annual discount rate, with the total amount discounted away.
- Annuity CalculatorEstimate how a deferred annuity's starting premium grows at a guaranteed interest rate, and the sustainable annual benefit it can guarantee once it pays out.
- Annuity Payout CalculatorCalculate the maximum sustainable periodic payout from a principal balance at a chosen distribution frequency and expected rate of return, without depleting principal.
- Finance CalculatorGeneric Time Value of Money (TVM) calculator. Solve for the number of periods, interest rate, present value, payment, or future value from the other four.
- Inflation CalculatorCalculate how much a dollar amount grows or shrinks in nominal terms between two years at a given annual inflation rate, plus the cumulative inflation percentage over that span.
Savings & Investing
Project savings growth and compare investment returns and payback.
- Savings CalculatorCalculate how long it will take to reach your savings goal, given a starting balance, monthly deposit, and annual interest rate — with a projected balance and growth breakdown.
- Investment CalculatorCalculate how an initial investment grows with fixed monthly contributions and a compound annual return, including total money invested and total compound growth earned.
- CD CalculatorCalculate the maturity balance and total interest earned on a certificate of deposit (CD) given the deposit amount, APY, and term in months.
- Mutual Fund CalculatorCalculate how a mutual fund's annual expense ratio reduces long-term returns, comparing the net balance after fee drag against a zero-fee baseline.
- Bond CalculatorCalculate a bond's clean price, dirty price, and yield to maturity from its face value, coupon rate, market yield, coupon frequency, and years to maturity.
- ROI CalculatorCalculate return on investment (ROI) from your capital invested and the final amount returned. Get both simple ROI (total return over the holding period) and annualized ROI (equivalent constant yearly rate) for any investment duration.
- IRR CalculatorCalculate the Internal Rate of Return (IRR) for capital budgeting and investment projects, with sign change analysis and Net Present Value convergence.
- Payback Period CalculatorCalculate the simple payback period for a project — how many years and months it takes to recover your initial investment from a constant annual cash inflow. No discounting, no time value of money.
- Average Return CalculatorCalculate the arithmetic mean and geometric mean (CAGR-style) of a series of annual percentage returns.
Retirement
Estimate retirement savings, account growth, required withdrawals, and benefits.
- Retirement CalculatorProject your retirement nest egg from current savings, annual contributions, and an expected return rate, plus an estimated monthly retirement income.
- 401K CalculatorProject your 401k balance at age 65 from your current salary, contribution rate, employer match, and expected annual return.
- IRA CalculatorCompare the tax deduction benefit of a traditional IRA contribution today against the tax you'll owe on that amount when distributed in retirement.
- Roth IRA CalculatorProject your Roth IRA balance at retirement from your current age, annual contribution, and expected annual growth rate, plus the tax-free growth advantage.
- RMD CalculatorCalculate your annual Required Minimum Distribution (RMD) from traditional IRAs and 401(k)s using the official IRS Uniform Lifetime Table.
- Pension CalculatorEstimate your annual and monthly defined-benefit pension payout from years of service, final average salary, and your plan's multiplier.
- Social Security CalculatorEstimate your monthly Social Security retirement benefit from your birth year, current salary, and claiming age. A rough 2026-policy estimate — not an official SSA calculation.
Income & Taxes
Convert salary to take-home pay and estimate income, sales, VAT, marriage, and estate taxes.
- Salary CalculatorConvert your pay between hourly, weekly, biweekly, monthly, and annual gross amounts. Enter any one pay figure and get all five equivalents — no tax or deductions included.
- Income Tax CalculatorEstimate 2026 U.S. federal income, Social Security, and Medicare tax on W-2 wages, plus state tax for Texas, Illinois, and New York only — other states not yet supported.
- Take-Home Paycheck CalculatorEstimate your 2026 U.S. take-home paycheck after federal income tax withholding, Social Security, Medicare, and (for Texas) state withholding — based on your actual Form W-4 elections.
- Marriage Tax CalculatorCalculate whether marriage creates a federal income tax bonus or tax penalty by comparing joint filing vs. two single filers under 2026 IRS tax brackets.
- Estate Tax CalculatorEstimate your 2026 U.S. federal estate tax liability from your gross estate value and available federal exclusion. Federal only — this is an estimate, not tax or legal advice.
- Sales Tax CalculatorCalculate sales tax and the final total on a purchase using your own combined sales-tax rate. Enter the pre-tax price and the applicable rate to get the tax amount and gross total — no automatic state or ZIP rate lookup.
- VAT CalculatorCalculate the exclusive price, VAT amount, and inclusive price from a net or gross amount and a VAT rate you enter.
Everyday Money & Business
Budgets, discounts, margins, commissions, depreciation, college costs, and currency conversion.
- Budget CalculatorSplit your net monthly income into the 50/30/20 budgeting rule: 50% needs, 30% wants, 20% savings and debt repayment.
- Discount CalculatorCalculate your real checkout total after a promotional discount and sales tax. Enter the original price, discount percentage, and sales tax rate to see the discount amount, discounted subtotal, tax owed, and final price you'll actually pay.
- Percent Off CalculatorCalculate the exact dollar discount and final checkout price for any percent-off sale or clearance markdown.
- Margin CalculatorCalculate the sale price needed to hit a target gross margin, plus the resulting dollar profit. Enter item cost and target margin percentage — margin (profit / sale price) is not the same as markup (profit / cost).
- Commission CalculatorCalculate gross commission payout and net sale earnings from total sales revenue and a flat commission rate.
- Depreciation CalculatorCalculate asset depreciation using straight-line, declining balance, or MACRS methods, with a full year-by-year schedule.
- College Cost CalculatorProject a 4-year college tuition total from today's annual cost and education inflation, and calculate the required monthly 529 savings contribution.
- Currency CalculatorConvert between 30 currencies using Frankfurter's daily reference exchange rate, with an optional illustrative spread to estimate a markup or cost against the reference rate.
Guides for this category
Plain-English explanations of the formulas behind these calculators.