The math under your money
Free financial calculators with instant results, interactive charts and shareable links. Pick a category to get started — everything runs privately in your browser.
All calculators
Browse all & search →Mortgage & Home17 live
Mortgage CalculatorFull monthly payment with taxes, insurance, PMI and HOA — plus payoff date and amortization schedule.Amortization CalculatorMonth-by-month principal and interest breakdown with a crossover chart and optional extra payments.Mortgage Payoff CalculatorSee how extra payments cut years off your loan and how much interest they save.House Affordability CalculatorHow much house you can afford from your income and debts, with the limiting factor explained.Refinance CalculatorBreak-even month, monthly savings and lifetime interest difference for a refinance.FHA Loan CalculatorFHA payment with upfront and annual mortgage insurance premiums from current HUD schedules.VA Mortgage CalculatorVA loan payment with the funding fee by down payment and first-time vs repeat use.Home Equity Loan CalculatorHow much equity you can borrow, your payment and total interest under CLTV limits.HELOC CalculatorInterest-only draw payments and fully amortizing repayment-phase payments for a credit line.Down Payment CalculatorDown payment, loan amount, LTV and closing-cost range — with the 20% PMI threshold flagged.Rent vs. Buy CalculatorSide-by-side wealth trajectories for renting vs buying, with the break-even year.Rent CalculatorHow much rent fits your income, with comfortable and stretch budget bands.Real Estate CalculatorTotal and annualized return on an investment property over your holding period.Rental Property CalculatorNOI, cap rate, cash flow, cash-on-cash return and DSCR for a rental at a glance.Mortgage Recast CalculatorYour new payment after a lump-sum recast — and whether it beats the recast fee.Points & 2-1 Buydown CalculatorDiscount-point break-even and year-by-year payments for a 2-1 rate buydown.ARM CalculatorExpected, best and worst-case payment paths for an adjustable-rate mortgage from its caps.
Auto & Vehicle5 live
Auto Loan CalculatorYour true car payment — sales tax on the taxable base, trade-in, negative equity, fees and rebates rolled into the amount financed.Auto Lease CalculatorEvery lease payment split into depreciation, rent charge and tax — with a live money-factor ↔ APR converter and the residual buyout.Cash Back or Low Interest CalculatorCompare a manufacturer rebate at market APR against 0%/low promotional financing on the same term — with the winner and the exact dollar gap.Boat Loan CalculatorMonthly payment, total interest and payoff for a boat loan — long marine terms keep the payment low but pile on interest.Lease CalculatorA general lease calculator for cars and equipment — depreciation vs finance charge, money-factor ↔ APR, and the end-of-lease buyout decision.
Loans & Debt12 live
Loan CalculatorCalculate your loan payment, total interest and payoff date across amortized, deferred and interest-only modes, then export the amortization schedule.Personal Loan CalculatorYour personal-loan monthly payment, true fee-adjusted APR and the net cash you actually receive, with extra-payment payoff and a full schedule.Payment CalculatorA dual-mode calculator that finds your monthly payment from a term, or how long to pay off a loan at a fixed monthly payment.Student Loan CalculatorFind your monthly payment, payoff date and total interest, model extra-payment savings, and project how interest capitalizes while you're still in school.Business Loan CalculatorHeadlines the fee-inclusive true APR, handles interest-only and balloon structures, and converts a merchant-cash-advance factor rate into an equivalent APR.APR CalculatorA transparent solver that folds fees and points into a loan's true APR, exposes the APR-vs-rate gap, and compares two offers to name the cheaper one.Credit Card CalculatorTime to payoff, total interest, and the minimum-payment trap shown side by side with a fixed or target payment.Credit Cards Payoff CalculatorModel every card together for one combined debt-free date and total interest, with an avalanche-vs-snowball comparison and extra payments.Debt Payoff CalculatorRun both the avalanche and snowball methods on your real debts to see your debt-free date and exactly what one method saves over the other.Debt Consolidation CalculatorCompare your current debts against a single consolidation loan — new payment, total savings, fee-adjusted true APR, and whether a longer term costs more.Debt-to-Income Ratio CalculatorFront-end and back-end debt-to-income ratios on a color-coded lender-threshold gauge, with a target-DTI solver.BNPL vs. Pay-in-Full CalculatorCompare total paid under a buy-now-pay-later plan against paying in full, exposing the per-installment cost, premium, and the effective APR that fees create.
Savings & Planning11 live
Compound Interest CalculatorWatch interest earn interest — with monthly contributions, nine compounding frequencies and a growth chart.Simple Interest CalculatorInterest earned and end balance from principal, rate and time — with a side-by-side compound comparison and solve-for-any-variable mode.Interest Rate CalculatorBack-solve the hidden interest rate on a loan from its payment, or the rate you need to reach a savings goal — with a full amortization schedule.Interest CalculatorA guided picker that routes you to the right interest tool — compound, simple, rate, savings or CD — plus a clear simple-vs-compound and APR-vs-APY primer.Savings CalculatorProject your future balance, or flip to goal-seek mode to solve the monthly saving — or the years — needed to reach a target amount.CD CalculatorMaturity value, total interest and APY for a certificate of deposit — plus an early-withdrawal penalty mode showing net proceeds and the break-even vs holding on.CD Early Withdrawal Penalty CalculatorWhat breaking a CD early actually costs — the early-withdrawal penalty, your net proceeds, and the value lost versus holding to maturity, with all four ways banks charge it.Budget CalculatorSplit your income into needs, wants and savings with the 50/30/20 rule and a detailed line-item view, then see your monthly surplus and savings rate.College Cost CalculatorProject the future cost of college with an editable, dated tuition-inflation assumption, then see your savings shortfall and the monthly contribution to close it.529 Savings CalculatorProject your 529 balance at enrollment and quantify the tax-free-growth advantage over a taxable account, side by side — a generic, no-tax-tables comparison.Emergency Fund CalculatorYour 3–6 month emergency-fund target, the gap remaining, coverage in months, and an APY-aware timeline showing when you will be fully funded.
Investment16 live
Investment CalculatorProject your investment’s future value from a starting amount, monthly contribution, return and time — or solve for the contribution, rate or years to reach a target, with a real inflation-adjusted view.Finance CalculatorA browser time-value-of-money solver that finds any one of N, interest rate, present value, payment or future value from the other four, with a full period-by-period schedule.Present Value CalculatorFind what future money is worth today — a lump sum or an annuity stream — with an interactive discount-rate slider and the present-value formula shown in full.Future Value CalculatorProject a lump sum and regular deposits into a future balance, split into money in vs interest earned, with a real (inflation-adjusted) view and year-by-year schedule.Average Return CalculatorTurn a start-and-end value or a list of yearly returns into your CAGR (compound annual growth rate), and see why it sits below the misleading simple average.IRR CalculatorEnter a cash-flow series to get the internal rate of return, XIRR for irregular calendar dates, plus NPV at your discount rate and MIRR.ROI CalculatorTotal and annualized return on investment, with net profit, optional fee and cost itemization, and a CAGR cross-check so short and long holds compare fairly.Payback Period CalculatorHow fast an investment earns back its cost — simple and discounted payback from uneven cash flows, plus a cumulative cash-flow chart marking the break-even point.Bond CalculatorSolve a coupon bond’s price from its yield or its yield to maturity from price, plus current yield, Macaulay and modified duration and convexity.Mutual Fund CalculatorA mutual fund return calculator that projects growth after every fee and quantifies the lifetime fee drag in dollars, gross vs net side by side.Inflation CalculatorTranslate any dollar amount across time using real BLS CPI-U data (1913–2025), or project a future amount at a fixed rate, with a purchasing-power chart.ETF Fee Comparison CalculatorCompare two ETF or fund expense ratios under identical assumptions and see the wealth gap they open over decades, with break-even outperformance and a fee-drag chart.DRIP CalculatorCompare reinvesting dividends against taking cash — share-count growth, yield on cost, and a year-by-year dividend schedule.Options Profit CalculatorPlot a single call or put’s profit at expiry — break-even, max gain and max loss on one interactive payoff diagram. Educational, not trading advice.Position Size CalculatorSize trades by risk — the exact shares to buy from your account size, risk percentage and stop-loss, with risk-reward and dollars at risk.DCA CalculatorInvest a fixed amount each period and compare dollar-cost averaging against a lump sum side by side, with your blended average cost per share.
Retirement11 live
Retirement CalculatorProjects your retirement nest egg then draws it down year by year — how much you need, the monthly income it supports, and the exact age your savings would run out, all in today’s dollars.401(k) CalculatorProjects your 401(k) balance at retirement and prices, in dollars, the employer match you forfeit by contributing below your plan’s cap — with tiered match modeling and a today’s-dollars view.IRA CalculatorProject Traditional IRA growth and see the after-tax verdict against a Roth and a taxable account, driven only by your current and retirement tax rates.Roth IRA CalculatorProjects your tax-free Roth IRA balance at retirement, with a live Roth-vs-Traditional verdict and the dollars saved versus a taxable account — from just your tax rates.RMD CalculatorFind your required minimum distribution from the IRS Uniform Lifetime Table — this year’s RMD, the effective distribution rate, and a year-by-year projection to 100.Pension CalculatorDiscounts every future pension check to today’s dollars, compares it to the lump-sum offer, and returns a verdict, the gap and the break-even age — with COLA and joint-and-survivor support.Social Security CalculatorSee your Social Security benefit at every claiming age from 62 to 70 and the early-vs-delay break-even age, with a dated, SSA-cited estimate from your own PIA.Annuity CalculatorAccumulation-phase annuity growth — starting principal plus monthly and annual contributions compounded at a fixed rate, split into money in vs growth, with a fee-drag view and schedule.Annuity Payout CalculatorThe distribution phase: set a term to find the level payout that empties your principal, or set a payout to find how long the money lasts — with a drawdown chart and depletion schedule.FIRE CalculatorTurns your income, spending and portfolio into your FI number, savings rate and years to early retirement — plus a savings-rate sensitivity curve and a Coast FIRE milestone.HSA Growth CalculatorProjects your HSA balance at retirement, total tax saved, the invest-vs-spend gap, and the advantage over an equivalent taxable brokerage — with 2026 IRS limits shown as a dated note.
Money & Business7 live
Salary CalculatorA gross pay-period converter that turns any hourly, weekly, monthly or annual rate into equivalent pay at every period, with unadjusted vs holiday/PTO-adjusted columns.Commission CalculatorWork out flat or tiered sales commission, base-plus-commission total pay, the effective rate and a per-tier breakdown — instantly and shareable by link.Discount CalculatorOne unified tool for percent- or dollar-off deals — stack multiple discounts, add sales tax, or reverse-solve the discount from a sale price.Margin CalculatorEnter your cost and one figure — selling price, margin, markup or profit — to get gross margin, markup, profit and the selling price, with the margin-vs-markup conversion made explicit.Depreciation CalculatorBuild a full book-value depreciation schedule for any asset using straight-line, declining balance, double declining balance or sum-of-years’-digits — book methods only, no MACRS or tax depreciation.Currency CalculatorA private, offline currency exchange calculator that converts any amount at a rate you enter yourself and shows the inverse plus a 1/10/100/1000 reference table.Net Worth CalculatorAdd what you own and owe to see your net worth, liquid net worth and debt-to-asset ratio, with a donut breakdown and a shareable, exportable growth projection.
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