Ninety-plus finance calculators — mortgage, retirement, loan, tax, investment — that run entirely in your browser. Every formula is cited to a primary source (IRS, CFPB, Federal Reserve); the limitations of each model are spelled out on the page itself.
These are engineering tools, not financial advice. Take the numbers to a certified financial planner, CPA, or your bank before making a decision that materially affects your money. See the editorial policy for how these calculators are written and reviewed.
With over 70 calculators available, the best way to find what you need is to start with your situation, not a specific tool. Here are the most common financial scenarios and which calculators will help you the most.
Purchasing a home is the largest financial decision most people make. Start with the house affordability calculator to understand your price range based on income and debts. Then use the mortgage calculator to estimate monthly payments, and the down payment calculator to plan your savings timeline. Not sure if buying makes sense? The rent vs. buy calculator compares the true long-term costs of each option.
If you are carrying balances across multiple accounts, the first step is knowing where you stand. The debt ratio calculator shows your debt-to-income ratio, a key number lenders use and you should track. From there, the debt payoff calculator lets you compare snowball vs. avalanche strategies to find your fastest path out. For credit card debt specifically, try the credit card payoff calculator. Considering combining debts? The debt consolidation calculator shows whether consolidating actually saves you money.
Retirement planning depends heavily on your age and how much you have saved so far. The retirement calculator gives you a big-picture view of whether you are on track. If you have an employer plan, the 401k calculator shows how matching and contributions compound over decades. Compare tax strategies with the Roth IRA calculator. Already have a pension? The pension calculator and annuity calculator help you model guaranteed income. For the FIRE-minded, the Coast FIRE calculator shows when your existing savings can grow on their own.
Before launching, you need to understand your numbers. Use the margin calculator to set pricing that covers costs and delivers profit. The ROI calculator helps evaluate whether an investment of time or money is worth it. For larger projects, the NPV calculator accounts for the time value of money across multiple years of cash flows. These tools help you move from gut feelings to data-driven decisions.
Everyday financial literacy starts with knowing what you earn and where it goes. The salary calculator converts between hourly, weekly, and annual pay so you can compare job offers accurately. The take-home pay calculator shows your actual paycheck after taxes and deductions, which is the number your budget should be built around. Use the budget calculator to allocate your income across needs, wants, and savings.
Whether it is a car, a degree, or a home, most major purchases involve borrowing. The loan calculator handles the basics for any loan type. For vehicle financing, the auto loan calculator factors in trade-ins and down payments. The student loan calculator covers income-driven repayment plans. Once you have a loan, the amortization calculator shows exactly how each payment splits between principal and interest. The refinance calculator tells you if switching to a lower rate is worth the closing costs.
Online calculators are accurate for the math they perform, but they are only as good as the assumptions you provide. A mortgage calculator will correctly compute your monthly payment given a rate and term, but it cannot predict future interest rate changes, property tax reassessments, or insurance cost increases. Use calculators to build a realistic range of scenarios rather than relying on a single number. Run optimistic, realistic, and pessimistic cases to understand your true exposure.
Calculators are excellent for building intuition and narrowing your options, but they should be one input among several for big decisions. A retirement calculator can tell you whether your savings rate is roughly on track, but it cannot account for your specific tax situation, health considerations, or family obligations. For decisions involving six figures or more, such as buying a home, choosing between pension options, or planning an estate, pair your calculator results with advice from a qualified financial professional.
The interest rate is the cost of borrowing the principal amount. The APR (annual percentage rate) includes the interest rate plus additional costs like origination fees, closing costs, and mortgage insurance, expressed as a yearly rate. The APR is always equal to or higher than the interest rate. When comparing loan offers, APR gives you a more complete picture of the total cost. For example, a loan at 6.5% interest with high fees might have a 6.9% APR, making it more expensive than a 6.7% loan with lower fees and a 6.8% APR. Our APR calculator helps you compare these numbers side by side.
Compound interest means you earn interest on your interest, not just on your original deposit. If you invest $1,000 at 7% annually, you earn $70 in year one. In year two, you earn 7% on $1,070, giving you $74.90 instead of another flat $70. This difference seems small early on, but it accelerates dramatically over time. After 30 years, that $1,000 grows to about $7,612 with compounding, versus just $3,100 with simple interest. This is why starting to invest early matters so much. Even small amounts benefit enormously from decades of compounding. Try our compound interest calculator to see the effect with your own numbers.
Five calculations form the foundation of personal finance literacy. First, your debt-to-income ratio: divide your total monthly debt payments by your gross monthly income. Lenders want this below 36%, and below 28% for housing alone. Second, your savings rate: the percentage of take-home pay you save each month. Financial planners typically recommend 20% or more. Third, your emergency fund target: three to six months of essential expenses. Fourth, your net worth: total assets minus total liabilities. Track this quarterly to see your real financial progress. Fifth, the Rule of 72: divide 72 by your annual return rate to estimate how many years it takes to double your money. At 8% returns, your money doubles roughly every 9 years.
Financial decisions rarely exist in isolation, so combining calculators gives you a more complete picture. For example, when buying a home, start with the house affordability calculator, then run the mortgage calculator for payment estimates, and finally check the amortization schedule to understand how equity builds over time. When planning for retirement, combine the 401k calculator with the Roth IRA calculator to optimize your tax strategy across accounts. For debt payoff, run the debt ratio calculator first to understand your overall position, then use the debt payoff calculator to build a specific elimination plan. The goal is to connect the dots between related decisions rather than optimizing each one in isolation.
Calculate payments, amortization, and payoff schedules for all types of loans
Calculate monthly loan payments and total interest for any type of loan.
Calculate car loan payments with trade-in value and down payment options.
Calculate unsecured personal loan payments and total cost.
Calculate student loan repayment options and income-driven plans.
Calculate business loan payments and ROI for commercial financing.
Calculate marine financing payments and total loan cost.
Calculate monthly mortgage payments including taxes and insurance.
View detailed payment schedule with principal and interest breakdown.
Calculate FHA mortgage payments with required insurance premiums.
Calculate VA loan benefits and payments for veterans.
Compare refinancing options and calculate break-even point.
Calculate how extra payments accelerate mortgage payoff.
Calculate monthly car lease payments and total lease cost.
Calculate general lease payments for equipment or property.
Calculate monthly payments for any type of loan or financing.
Plan and optimize your loan repayment strategy.
Calculate interest growth, savings goals, and investment returns
Calculate compound growth with regular contributions over time.
Calculate simple interest for loans or investments.
Estimate time to double or required rate using the Rule of 72.
Calculate interest amounts for various financial scenarios.
Calculate and compare annual percentage rates.
Find the interest rate needed to reach your financial goals.
Calculate certificate of deposit returns and maturity value.
Plan your savings growth and reach your financial goals.
Analyze investment returns, valuations, and financial metrics
Calculate investment growth with regular contributions and withdrawals.
Compute compound annual growth rate and total return.
Calculate net present value and profitability index.
Calculate return on investment for any type of investment.
Calculate internal rate of return for cash flow analysis.
Calculate bond yields, prices, and duration.
Calculate average investment returns over time.
Calculate present value of future cash flows.
Calculate future value of investments and savings.
Calculate how long it takes to recover an investment.
Plan your retirement with 401k, IRA, and pension calculators
Plan your retirement savings and estimate required nest egg.
Calculate 401k growth with employer matching and contributions.
Calculate Roth IRA growth and tax-free retirement income.
Calculate traditional IRA growth and tax deductions.
Calculate required minimum distributions from retirement accounts.
Calculate pension benefits and retirement income.
Calculate annuity payments and retirement income streams.
Estimate your Social Security benefits based on your earnings history and retirement age.
Calculate your Coast FIRE number and see when you can stop saving for retirement while your investments grow to your target.
Manage and eliminate debt with payoff strategies and calculators
Plan your debt payoff strategy with snowball or avalanche methods and see your debt-free date.
Calculate credit card payments and interest costs.
Plan your credit card debt elimination strategy.
Compare debt consolidation options and potential savings.
Calculate your debt-to-income ratio for loan qualification.
Calculate how much you need in your emergency fund based on your expenses and risk factors.
Calculate taxes, deductions, and take-home pay
Estimate federal and state income taxes.
Calculate your self-employment taxes, quarterly estimates, and see how much to set aside from your 1099 income.
Calculate sales tax on purchases.
Calculate value-added tax for international transactions.
Calculate estate taxes and inheritance tax liability.
Calculate your net pay after taxes and deductions.
Convert between hourly, weekly, monthly, and annual salary.
Analyze home affordability, mortgages, and rental properties
Calculate how much house you can afford based on income and debts.
Calculate down payment requirements and savings timeline.
Compare the costs of renting versus buying a home.
Calculate rental costs and affordability.
Analyze real estate investment returns and cash flow.
Analyze rental property investments with cash flow, cap rate, and ROI calculations.
Analyze the financials of house hacking - living in one unit while renting others to offset your mortgage.
Calculate asset depreciation for real estate and business assets.
Business finance calculators for margins, budgets, and metrics
Calculate profit margins and markup percentages.
Calculate discounts, sale prices, and savings.
Calculate sales commission and earnings.
Plan your monthly budget and track expenses.
Calculate customer lifetime value, CAC payback, and other key SaaS metrics to optimize your unit economics.
Analyze investment fees and see how they impact your long-term returns.
Currency conversion, inflation, and rewards calculators
Convert between different currencies with live exchange rates.
Calculate inflation impact on purchasing power over time.
Calculate cash back rewards and credit card benefits.
Calculate potential impermanent loss when providing liquidity to AMM pools and compare to holding tokens.
All calculations happen in your browser. Your financial data never leaves your device.
No signup required. No premium tiers. Just powerful calculators for everyone.
Save scenarios and share calculations with unique URLs. Export to PDF or CSV.