Financial & money calculators
Loans, mortgages, savings, retirement, taxes and investing.
- 1099 Penalty EstimatorEstimate IRS penalties for late 1099 filing.
- 401(k) CalculatorProject your 401(k) at retirement with your contribution, employer match, raises and 2026 IRS limits including catch-up contributions. Shows the balance in today's dollars.
- Amortization CalculatorFull loan amortization schedule by year: principal, interest and balance. Add an extra monthly payment to see how much sooner you finish and how much interest you save.
- Annuity CalculatorAnnuity present value and payments.
- Annuity Payout CalculatorAnnuity payout amount over time.
- APR CalculatorAnnual percentage rate from fees and rate.
- APY CalculatorTurn an interest rate (APR) into the annual percentage yield (APY) you actually earn, and see a year of interest on your deposit for daily, monthly or quarterly compounding.
- Auto Lease CalculatorMonthly lease payment estimate.
- Average Return CalculatorAverage investment return over periods.
- Balloon Loan CalculatorCalculate the monthly payment on a balloon loan and the lump sum due when the balloon term ends.
- Biweekly Mortgage CalculatorSee how paying half your mortgage every two weeks, 26 half-payments a year, pays the loan off years sooner and cuts the interest you pay.
- Boat Loan CalculatorBoat loan monthly payment.
- Bond CalculatorBond price and yield (simplified).
- Bonus Tax CalculatorEstimate the tax withheld from a bonus using the IRS flat 22% supplemental rate, plus Social Security, Medicare and state tax, and what lands in your account.
- Break-Even CalculatorBreak-even point for fixed and variable costs.
- Budget Calculator50/30/20 or custom budget split.
- Business Loan CalculatorBusiness loan payment and term.
- CAGR CalculatorCompound annual growth rate from start and end value.
- Canadian Mortgage CalculatorCanadian mortgage payments with semi-annual compounding, CMHC insurance, minimum down payment rules and accelerated bi-weekly or weekly payments.
- Cap Rate CalculatorCalculate the capitalization rate of a rental property from its price, rent, vacancy and operating expenses, along with its net operating income.
- Capital Gains Tax CalculatorEstimate the federal tax on selling stock, crypto or property at 2026 rates: 0%, 15% or 20% for long-term gains, ordinary rates for short-term, plus the 3.8% NIIT.
- Cash Back or Low Interest CalculatorCompare cash back vs low APR.
- Cash on Cash Return CalculatorMeasure a rental property’s yearly cash flow against the cash you put in, after the mortgage, so you can compare it with other investments.
- CD CalculatorCertificate of deposit growth.
- Closing Cost CalculatorEstimate the closing costs on a home purchase and the total cash you’ll need at closing, including your down payment.
- College Cost CalculatorSavings needed for college.
- Commission CalculatorSales commission amount.
- Compound Interest CalculatorFuture value and interest earned when a sum grows at a given rate. Choose compounding frequency: annual, monthly, daily, or continuous.
- Cost of Smoking CalculatorAnnual and long-term cost of smoking.
- Credit Card Interest CalculatorEstimate interest and payoff time for credit card debt. Enter balance, APR, and monthly payment to see total interest and months to pay off.
- Credit Utilization CalculatorCalculate your credit card utilization ratio, which affects your credit score, and how much to pay down to get under 30% or 10%.
- Currency CalculatorConvert between currencies (manual rate).
- Debt Consolidation CalculatorCompare consolidating debts into one loan.
- Debt Payoff CalculatorTimeline and total interest to pay off debt. Compare avalanche vs snowball and see how extra payments shorten payoff.
- Debt-to-Income Ratio CalculatorDTI ratio for loan qualification.
- Depreciation CalculatorAsset depreciation (straight-line).
- Discount CalculatorPercent off and sale price.
- Dividend CalculatorProject dividend income and portfolio growth from the dividend yield, with dividends reinvested (DRIP) or taken as cash, year by year.
- Down Payment CalculatorDown payment amount and percent.
- DSCR CalculatorWork out the debt service coverage ratio lenders use for rental and business loans: how many times your net operating income covers the loan payments.
- Emergency Fund CalculatorFind how big your emergency fund should be, how much more you need, and how long it will take to get there at your saving rate.
- EMI CalculatorEquated monthly installment for a loan (principal, rate, term).
- Estate Tax CalculatorFederal estate tax estimate (simplified).
- FHA Loan CalculatorFHA mortgage payment with the 1.75% upfront and current annual mortgage insurance premium (MIP), property tax and insurance. Shows how long MIP lasts.
- FIRE CalculatorFind your financial independence (FIRE) number from your spending and safe withdrawal rate, and how many years until you can retire early.
- Freelance Hourly Rate CalculatorWork out what to charge per hour as a freelancer or contractor to reach your take-home income after taxes, expenses and time off.
- Future Value CalculatorFV of lump sum or annuity.
- Gross Rent Multiplier CalculatorCalculate a rental property’s gross rent multiplier (GRM), the price divided by a year’s rent, to compare properties quickly.
- GST CalculatorGST/VAT inclusive or exclusive calculation from amount and rate.
- HELOC CalculatorHELOC draw and payment estimate.
- Home Equity Loan CalculatorHow much you can borrow against your home at a lender's combined LTV limit, and the monthly payment and interest on a fixed-rate home equity loan.
- House Affordability CalculatorHow much house you can afford.
- House Flipping CalculatorEstimate the profit and return on a fix-and-flip from the purchase price, repairs, holding and selling costs, plus the 70% rule maximum offer.
- Income Tax CalculatorEstimate federal income tax (simplified).
- Inflation CalculatorPurchasing power over time with inflation.
- Interest Rate CalculatorSolve for interest rate from payment and term.
- Interest-Only Loan CalculatorCompare the low payment during an interest-only period with the higher payment once principal kicks in, and the extra interest it costs.
- Investment CalculatorHow a starting amount plus monthly contributions grows over time. Shows total contributed, earnings, a year-by-year table and the value in today's dollars.
- IRR CalculatorInternal rate of return.
- Lease CalculatorGeneric lease payment (e.g. equipment).
- Loan CalculatorCompute monthly payment, total interest, and payoff for a fixed-rate loan. Enter principal, rate, term, and payment frequency (monthly, bi-weekly, weekly) for personal, auto, or other loans.
- Loan Comparison CalculatorCompare two loan offers side by side, with different rates, terms and fees, to see which one costs less in total and per month.
- Loan-to-Value (LTV) CalculatorFind your loan-to-value ratio and home equity, and how much you’d need to pay down to reach 80% LTV and drop PMI.
- Markup CalculatorCalculate selling price from cost and markup percentage.
- Marriage Tax CalculatorMarried vs single tax comparison (simplified).
- Mortgage Amortization CalculatorYear-by-year mortgage amortization schedule showing principal, interest and remaining balance, and how extra payments shorten the loan.
- Mortgage CalculatorEstimate monthly housing payment: principal, interest, property tax, and insurance. Add optional extra payment to see payoff time and interest saved.
- Mortgage Calculator UKUK mortgage monthly repayments in pounds for repayment or interest-only mortgages, with loan-to-value and stamp duty for England and Northern Ireland.
- Mortgage Payoff CalculatorPay off mortgage faster with extra payments.
- Mortgage Points CalculatorFind out whether buying discount points to lower your mortgage rate pays off: the cost, the monthly saving and how many months until you break even.
- Mortgage Recast CalculatorSee how much a lump-sum payment and a mortgage recast lower your monthly payment, and the interest you save, while keeping your rate and term.
- Mutual Fund CalculatorMutual fund growth after the expense ratio and any sales load, with the dollar cost of fees compared with the same fund at no cost.
- Net Pay CalculatorTake-home pay after tax and deductions (simplified).
- Net Worth CalculatorCalculate net worth: assets minus liabilities.
- NPV CalculatorCalculate the net present value of an investment from its upfront cost, yearly cash flows and discount rate, to see whether it’s worth doing.
- Overtime CalculatorWork out overtime pay at time and a half (or double time) and your total pay for the week.
- P/E Ratio CalculatorCalculate a stock’s price-to-earnings ratio and earnings yield from its share price and earnings per share.
- Pay Raise CalculatorSee your new salary after a raise, by percentage or dollar amount, and how much more you’ll earn per year, month, paycheck and hour.
- Payback Period CalculatorInvestment payback period.
- Payment CalculatorMonthly payment for any loan.
- Pension CalculatorPension benefit estimate.
- Percent Off CalculatorDiscount percentage and final price.
- Personal Loan CalculatorPersonal loan payment and interest.
- PMI CalculatorEstimate private mortgage insurance on a conventional loan with less than 20% down: the monthly cost, the total you’ll pay and when PMI drops off.
- Present Value CalculatorPV of future cash flows.
- Profit Margin CalculatorGross and net profit margin percentage.
- Property Tax CalculatorWork out your yearly and monthly property tax from your home’s value, your local tax rate and any homestead exemption.
- Real Estate CalculatorCap rate and basic real estate metrics.
- Refinance CalculatorShould you refinance? Break-even and savings.
- Rent CalculatorRent affordability (e.g. 30% of income).
- Rent Increase CalculatorCalculate a new rent from a percentage increase, or find the percentage between the old and new rent, with the extra cost per month and year.
- Rent vs. Buy CalculatorCompare renting vs buying a home.
- Rental Property CalculatorRental income and expenses.
- Repayment CalculatorLoan repayment schedule.
- Retirement Savings CalculatorProject how much you need to save for retirement. Enter current balance, contributions, rate of return, and years to see future value.
- RMD CalculatorRequired minimum distribution from IRA/401(k).
- ROI CalculatorReturn on investment: profit and ROI percent. Choose simple (total) or annualized ROI over a given number of years for comparison.
- Roth IRA CalculatorRoth IRA balance at retirement using 2026 contribution limits and income phase-outs, plus the tax you avoid because qualified withdrawals are tax-free.
- Rule of 72 CalculatorYears to double your money at a given interest rate.
- SaaS Runway CalculatorMonths of runway from cash and monthly burn.
- Salary vs Hourly ConverterConvert annual salary to hourly wage or hourly to salary. Enter hours per week to compare job offers or contract rates.
- Sales Tax CalculatorAdd or remove sales tax from a price. Enter amount and tax rate to get total with tax or pre-tax price.
- Savings CalculatorSee how a starting balance and regular monthly deposits grow with interest over time, with a year-by-year chart of your balance and how much came from interest.
- Savings Goal CalculatorHow much to save each month to reach a target. Enter goal amount, timeline, and interest rate for a monthly savings plan.
- Self-Employment Tax CalculatorEstimate 2026 self-employment tax (Social Security and Medicare) on your net business income, the half you can deduct, and a quarterly payment.
- Simple Interest CalculatorSimple interest (I = P × r × t).
- Social Security CalculatorSocial Security benefit estimate (simplified).
- Stock Average Cost CalculatorFind your average cost per share across several purchases, for dollar-cost averaging or averaging down on a stock or crypto position.
- Stock Profit CalculatorCalculate the profit or loss and percentage return on a stock (or crypto) trade, including commissions on the buy and sell.
- Student Loan CalculatorStudent loan payment and payoff.
- Subscription TotalizerTotal monthly and yearly cost of subscriptions.
- Tip CalculatorTip amount and split bill.
- Traditional IRA CalculatorTraditional IRA growth, this year's tax deduction (with the 2026 workplace-plan phase-out) and what the balance is worth after tax in retirement.
- Unit Price CalculatorCompare unit prices of two products (price per quantity).
- VA Mortgage CalculatorVA home loan payment with the 2026 VA funding fee by down payment and first or repeat use, no PMI, plus property tax and insurance.
- VAT CalculatorAdd or remove VAT from price.
- WACC CalculatorCalculate a company’s weighted average cost of capital from the value and cost of its equity and debt, with the tax shield on interest.
Use these tools to plan loans, investments, taxes, and everyday money decisions. Whether you're comparing a loan offer, projecting retirement savings, or figuring out sales tax, the calculators here give you quick estimates with clear inputs and results.
Who they're for: Borrowers, savers, small-business owners, and anyone who wants to understand payments, interest, or affordability without opening a spreadsheet. Many tools support multiple payment frequencies or compounding options so you can compare scenarios.
Common use cases: Estimating monthly loan or mortgage payments, seeing how much extra principal saves on interest, projecting investment growth with compound interest, converting salary to hourly (or vice versa), and calculating ROI or break-even. Results are for estimation only—confirm with your lender, accountant, or financial advisor for real decisions.