Financial Calculators
Free financial calculators for mortgages, loans, interest, investments, retirement, and taxes. Estimate payments and returns in seconds.
82 tools in 8 groups
Most popular
- Mortgage CalculatorEstimate total monthly housing cost and cash needed at purchase, compare two mortgage offers, and test recurring costs and multiple dated extra payments.
- Loan CalculatorFind payment, amount, rate or term, include fees and extra payments, and compare two fixed-rate offers by payment, total cost and fee breakeven.
- Auto Loan CalculatorCalculate your monthly car payment with sales tax, fees, any rebate, your trade-in and whatever you still owe on it — financed or paid at signing — so the number you plan around matches what you will actually borrow, and see the total cost of the car.
- Interest CalculatorCalculate simple or compound interest on a deposit or loan — with time in years, months or days, any compounding frequency, the APY, and the formula worked with your numbers so you can check the result.
Mortgage & Real Estate
- Mortgage CalculatorEstimate total monthly housing cost and cash needed at purchase, compare two mortgage offers, and test recurring costs and multiple dated extra payments.
- Mortgage Payoff CalculatorWork from your current balance and remaining term to see what paying extra does — years cut from the loan, interest saved, and the exact extra payment that clears the mortgage by a year you choose.
- Biweekly Mortgage CalculatorSee what paying half your mortgage payment every two weeks does to the loan. Because there are 26 two-week periods in a year, the biweekly plan makes the equivalent of thirteen monthly payments instead of twelve, and the extra one goes straight to principal. The calculator compares payoff time, total interest and the balance over time for both plans.
- PMI CalculatorEstimate what private mortgage insurance adds to a mortgage with less than 20% down, and how long you will pay it. Enter the price, down payment, rate, term and credit score to get the monthly PMI from an illustrative rate card (or enter your lender's quote), the month it can be cancelled, the total paid until then, and the extra down payment that would avoid it altogether.
- Rent vs Buy CalculatorCompare renting and buying year by year, including closing and selling costs, maintenance, appreciation, rent growth and invested monthly savings.
- Conventional Mortgage CalculatorPlan a conventional mortgage with conventional PMI behavior, financing costs and recurring housing costs.
- House Affordability CalculatorEstimate a home-price budget from income, existing debt, carrying costs and an available down payment.
- Down Payment CalculatorCalculate a purchase cash target, including an editable closing-cost allowance and savings already set aside.
- Refinance CalculatorCompare refinancing over the same holding period, including upfront costs and the principal still owed.
- HELOC CalculatorEstimate equity for a credit line and compare interest-only with amortizing draws, or price a fixed home equity loan with points, closing costs and APR.
- Rental Property CalculatorEstimate rental cash flow, capitalization rate and cash-on-cash return before income taxes.
- Rent Budget CalculatorWork out the rent left in a take-home budget after living costs, debt, savings and utilities.
- FHA Loan CalculatorEstimate an FHA payment and purchase cash with separately visible upfront and annual mortgage insurance assumptions.
- VA Mortgage CalculatorEstimate a VA-backed mortgage payment and see how the funding fee, exemption status and down payment affect the financed amount.
- Interest-Only Mortgage CalculatorEstimate an interest-only mortgage payment, the payment once principal repayment starts, and the total interest, compared with a loan that amortizes from the first month.
Auto
- Auto Loan CalculatorCalculate your monthly car payment with sales tax, fees, any rebate, your trade-in and whatever you still owe on it — financed or paid at signing — so the number you plan around matches what you will actually borrow, and see the total cost of the car.
- Auto Lease CalculatorSeparate monthly lease depreciation, the rent charge and a tax-on-payment allowance.
- Cash Back or Low Interest CalculatorCompare a rebate with a low-interest financing offer on the same vehicle. See which costs less over the full term and how the monthly payments differ.
Loans & Debt
- Loan CalculatorFind payment, amount, rate or term, include fees and extra payments, and compare two fixed-rate offers by payment, total cost and fee breakeven.
- Amortization CalculatorSee exactly how a fixed-rate loan is paid down: the monthly payment, how each payment splits between interest and principal, and the full schedule from the first payment to the last — with optional extra payments and a downloadable table.
- Payment CalculatorTwo questions about the same loan: what is the monthly payment for a set term, and how long does a monthly payment you can afford take to pay the balance off — each with total interest and a principal-versus-interest breakdown.
- Student Loan CalculatorEstimate what a student loan costs to repay — including the interest that builds up while you are still in school and during the grace period — and compare repayment terms side by side.
- Personal Loan CalculatorSee the monthly payment and true cost of a personal loan, including how an origination fee — deducted from your money or added to the balance — pushes the APR above the advertised rate.
- Debt Consolidation CalculatorCompare one balance or a list of debts with a new consolidation loan: payments, payoff time, interest and an upfront fee entered as an amount or percent.
- Debt Payoff CalculatorCompare highest-interest-first and smallest-balance-first payoff plans for up to six debts while rolling freed payments into remaining balances.
- Debt-to-Income CalculatorAdd housing and other required monthly debt payments, then compare them with gross income.
- APR CalculatorCompare the true cost of equal-payment loans after including financing fees, whether they are paid upfront or rolled into the loan, with every step shown.
- Credit Card Payoff CalculatorEstimate how long a fixed payment takes to clear a card balance without new purchases.
- Credit Card CalculatorEstimate how long a card balance will take to repay and see how promotional rates or continued purchases change the cost.
Investment & Savings
- Compound Interest CalculatorSee how an investment grows when interest compounds — with regular contributions at the start or end of each period, any compounding frequency up to continuous, the effective annual rate and its equivalent at other frequencies, the rule of 72 against the exact doubling time, and a year-by-year breakdown.
- Interest CalculatorCalculate simple or compound interest on a deposit or loan — with time in years, months or days, any compounding frequency, the APY, and the formula worked with your numbers so you can check the result.
- Investment CalculatorPlan an investment from any angle, include annual fees and an estimated tax on gains, and compare two contribution and return scenarios in future and today's dollars.
- Savings CalculatorTurn a savings goal into a monthly number. Enter the goal, what you already have and your account's APY to get the deposit that reaches it in time — or find out how long a deposit you can afford will take, or what a deposit grows to. Interest is compounded from the APY exactly as a bank would.
- Simple Interest CalculatorCalculate simple interest — interest charged on the original principal only — and solve the formula for whichever value you are missing. Time can be entered in years, months, weeks or days. The result shows the interest, the total, the interest per day and per month, and what the same rate would earn if compounded instead.
- CD CalculatorWork out what a certificate of deposit pays at maturity from its APY or its interest rate and compounding, see how much an early withdrawal would cost after the penalty, and compare the same deposit across terms. Useful for choosing a term and for building a CD ladder.
- Inflation CalculatorSee what inflation does to money over time. Enter an amount and an annual rate to get its future cost or past equivalent, or enter two prices and the years between them to find the inflation rate that connects them. The result shows cumulative price change, remaining purchasing power and how long until prices double.
- ROI CalculatorMeasure an investment by what went in and what came out. Enter the amount invested, the amount returned and how long it was held — as years or as two dates — to get the total return on investment, the gain or loss, the investment multiple and the annualised return that lets you compare it with anything else.
- Present Value CalculatorFind what money due in the future is worth today. Enter a future lump sum, a series of periodic payments, or both, with the number of years and the discount rate — the return you could earn elsewhere — to get the present value. The result shows the discount factor, the value at other rates and the arithmetic behind it.
- Future Value CalculatorProject what money grows to. Enter a present amount, optional payments each period, the years, the interest rate and how often it compounds to get the future value, split into what you deposited and what interest added. The schedule shows every period and downloads as CSV.
- APY CalculatorConvert between a quoted interest rate and the yield it actually produces. Enter a nominal rate and how often it compounds to get the APY — the effective annual yield — or enter an APY to recover the nominal rate. With a deposit amount, the result shows the year's interest in dollars and how much of it came from compounding.
- Net Worth CalculatorAdd current assets and subtract outstanding liabilities to estimate net worth using a consistent currency and valuation date.
- Emergency Fund CalculatorSet a cash-reserve target from essential monthly spending, chosen coverage and existing savings, then estimate the time to reach it.
- CAGR CalculatorFind the constant annual growth rate connecting a positive beginning value to an ending value across a chosen number of years.
- Net Present Value CalculatorDiscount equally spaced cash flows to time zero and inspect the present value of every inflow and outflow.
- Bond Price CalculatorPrice a fixed-coupon bond on a coupon date or between coupons, with accrued interest, clean and dirty price, and a 30/360 or actual day count.
- Bond Yield CalculatorSolve a fixed-coupon bond’s nominal yield to maturity from its coupon-date price and compare it with current yield.
- IRR CalculatorFind the IRR of equally spaced cash flows, the arithmetic and geometric average of period returns, or a money-weighted return from dated deposits and withdrawals.
- Annuity Savings CalculatorValue a regular contribution stream with beginning- or end-of-period deposits and an existing balance, then model a deferral period and a payout phase.
- Rule of 72 CalculatorEstimate the years needed to double an investment with the Rule of 72, or the rate needed to double in a set time, and see how far the shortcut is from the exact compound-interest result.
- TVM CalculatorEnter four of the five time-value-of-money values and solve for the fifth, the way a financial calculator does, with separate payment and compounding frequencies and a period-by-period balance.
- Bid-Ask Spread CalculatorEnter a bid and an ask quote to get the spread, the midpoint, the spread as a percentage of the ask and of the midpoint, and what the spread costs on a trade.
- Currency Appreciation CalculatorEnter an exchange rate at two dates to see the percentage appreciation of one currency and the matching depreciation of the other, which is not simply the same number with a minus sign.
Retirement
- Retirement CalculatorProject retirement savings, compare retiring three years earlier or later, and stress-test withdrawal rates and post-retirement returns against your target income.
- 401(k) CalculatorProject a workplace retirement balance with employer matching, age-based catch-up contributions and clearly dated 2026 contribution caps.
- Roth IRA CalculatorEstimate Roth IRA growth while checking 2026 compensation limits, age-based contributions and income phaseouts for your filing category.
- Required Minimum Distribution CalculatorEstimate an owner RMD using the IRS Uniform Lifetime table and see the applicable divisor and remaining withdrawal.
- Social Security CalculatorUse the benefit shown on your Social Security Statement to compare the effect of claiming from age 62 through 70.
- Pension CalculatorEstimate the present value of a monthly pension from your own numbers and compare it with a lump-sum offer, a joint-and-survivor option, or a larger pension if you keep working.
- IRA CalculatorProject how a traditional IRA grows tax-deferred, what is left after tax at withdrawal, and how that compares with investing the same pre-tax money in a taxable account.
Tax & Salary
- Sales Tax CalculatorAdd sales tax to a price, or reverse the calculation to find the pre-tax price from a total that already includes tax — with editable US general-rate presets and the arithmetic shown.
- Salary CalculatorConvert a salary or wage between every common pay frequency at once. Enter an amount and how often it is paid, plus your working hours and days, and see the hourly, daily, weekly, bi-weekly, semi-monthly, monthly, quarterly and annual equivalents — both the simple conversion and one adjusted for holidays and vacation, which is what an hourly rate really has to cover.
- 2026 Federal Income Tax CalculatorEstimate 2026 US federal ordinary income tax with eligible pre-tax contributions, standard or entered itemized deductions, credits and a bracket breakdown.
- 2026 Take-Home Pay CalculatorEstimate regular employee take-home pay after federal ordinary income tax, payroll taxes, retirement deferrals and your state/local allowances.
- Property Tax CalculatorEstimate a property tax bill from the home's value, your local assessment ratio and exemptions, and the tax rate from your bill, in percent, mills or per 100 of value.
- Estate Tax CalculatorEstimate US federal estate tax the way Form 706 computes it: taxable estate plus lifetime gifts, the unified rate schedule, and the credit for the basic exclusion and any spousal unused exclusion.
- Marriage Tax CalculatorCompare the 2026 federal income tax two partners pay on separate unmarried returns with the tax on one married-filing-jointly return, and see the marriage penalty or bonus.
Budgeting & Planning
- Monthly Budget CalculatorTurn take-home income and real spending into a monthly plan that includes debt, savings and irregular expenses.
- College Cost CalculatorEstimate future college bills and the monthly saving needed to fund your chosen share, with an annual cost breakdown and a comparison to your current plan.
- Checkbook CalculatorType deposits and checks one per line to get a running balance, or reconcile your register with a bank statement using deposits in transit, outstanding checks, fees and interest.
- Layaway CalculatorFind the payment for a layaway plan from the price, sales tax, layaway fee and down payment, and see a payment-by-payment schedule with the balance left after each one.
- Making Change CalculatorEnter the amount due and the amount paid to get the change and exactly which bills and coins to hand back, using US denominations or any currency you set up.
- Money CounterCount a cash drawer, a coin jar or a till: enter how many of each bill and coin you have and get the value of each row and the grand total, exact to the cent.
Business
- Profit Margin CalculatorFind profit margin from revenue and cost, or solve price, cost, profit or markup from any two of the five values, with each step shown.
- Markup CalculatorSet a selling price from cost and markup, solve cost or markup, price to a target margin, or find a list price that covers marketplace fees.
- Break-Even CalculatorFind the whole units and revenue needed to cover fixed costs, or the units for a target profit, from selling price and variable cost per unit.
- Business Loan CalculatorEstimate level monthly business-loan payments, upfront-fee APR and coverage by available cash.
- Payback Period CalculatorCompare simple and discounted recovery time for an investment, with equal annual inflows or a different cash flow each year, and see each step with your numbers.
- Depreciation CalculatorBuild a depreciation schedule by straight line, declining balance, sum-of-years' digits, units of production or MACRS real property, with a salvage floor.
- VAT CalculatorEnter a price and the applicable VAT rate to add VAT to a net price or recover the net price from a VAT-inclusive amount.
- Commission CalculatorFind commission earned, the sales needed for a commission goal, or an effective commission rate, then see your share and base pay together.
- Financial Ratios CalculatorEnter figures from a balance sheet and income statement to calculate liquidity, solvency, profitability, efficiency and per-share market ratios, with every formula shown.
- GDP CalculatorAdd up gross domestic product from spending or from incomes using BEA's national-accounts components, then convert nominal GDP to real GDP with a price deflator.