Finance Calculators
Calculators for everyday money decisions — loans, mortgages, retirement, and debt.
Number of Calculators: 99
What to Know
With nearly 100 calculators spanning loans, retirement, taxes, and business finance, this is the site's deepest category — and the one where a single number rarely tells the whole story. A mortgage payment looks different once you've run Debt-to-Income and Mortgage Affordability against your actual paycheck; a 401(k) contribution decision changes once you've compared it against a Roth IRA's tax treatment. That's exactly what the Home Buying and Personal Finance guided Journeys do — they carry your numbers from one calculator to the next so you're not re-typing the same income or debt figures three times.
Newer additions cover small-business and freelance finance specifically (SaaS Metrics, Customer Acquisition Cost, Freelance Rate, Startup Runway), alongside household-budget calculators (Grocery Budget, Wedding Budget, Baby's First Year Cost) that don't fit neatly into "investing" or "debt" but are just as real. If you're not sure where to start, Paycheck and Budget are the two most people begin with.
- MortgageCalculate your full monthly mortgage payment including taxes and insurance (PITI), total interest paid, and how much an extra payment could save you.
- InflationSee what an amount of money from one year is worth in another year's dollars, using real historical U.S. inflation data.
- CurrencyConvert between currencies using live, daily-updated exchange rates — no login, no fees, just today's real rate.
- Compound InterestSee how a savings or investment balance grows over time with compounding interest, optional monthly contributions, and inflation-adjusted purchasing power.
- Certificate of Deposit (CD)Calculate the maturity value of a Certificate of Deposit, plus what an early withdrawal penalty would cost.
- APYConvert a nominal interest rate and compounding frequency into the actual effective annual yield (APY) an account earns, and compare it across every common compounding schedule.
- LoanCalculate the fixed monthly payment (EMI), total cost, and total interest for a personal, auto, or other fixed-rate installment loan.
- Personal LoanEstimate the fixed monthly payment, total cost, and total interest for an unsecured personal loan, and see how your rate compares to typical ranges.
- Savings GoalFind the monthly contribution needed to reach any dollar savings goal by a target date, accounting for growth on both new contributions and what you already have saved.
- Auto LoanEstimate your monthly car payment from the vehicle price, down payment, trade-in (including any amount still owed), incentives, fees, sales tax, and loan term.
- Paycheck / SalaryEstimate your take-home pay per paycheck from your annual salary, using current federal tax brackets and FICA payroll taxes.
- Hourly to SalaryConvert between an hourly wage and an annual salary using hours worked per week and weeks worked per year.
- Cost of Living ComparisonFind the salary you would need in a different city or region to maintain the same standard of living, using a cost-of-living index you look up for each place.
- Income TaxEstimate your federal income tax liability, effective tax rate, and after-tax income for the year.
- Bonus TaxEstimate federal withholding on a bonus using the IRS percentage method -- a flat 22% (37% above $1 million) plus FICA payroll taxes.
- Self-Employment TaxEstimate your Social Security and Medicare (self-employment) tax from your net self-employment earnings.
- Quarterly Estimated TaxCombine your self-employment tax and federal income tax into the four equal quarterly payments the IRS expects from a self-employed filer.
- W-4 / Paycheck WithholdingCompare what's actually being withheld from your paychecks against your estimated tax liability, and project whether you're on track for a refund or a balance due.
- Capital Gains TaxEstimate the tax owed on an investment gain, using short-term or long-term capital gains rates based on how long you held the asset.
- 401(k) ContributionFind your per-paycheck 401(k) contribution, whether you're capturing the full employer match, and whether you're hitting the annual IRS contribution limit.
- FIREFind your FIRE number (using the 4% rule) and how many years of saving it will take to reach financial independence.
- Coast FIREFind your Coast FIRE number -- the balance needed today that, left untouched, would grow to a full FIRE number by your retirement age with no further contributions.
- Savings RateFind what percentage of your monthly income you are actually saving, plus your monthly spending and annual savings totals.
- Mileage DeductionEstimate a tax deduction or reimbursement from miles driven, using the IRS standard mileage rate method.
- Retirement / 401(k) SavingsProject your retirement balance, solve for how much to save, find a sustainable withdrawal rate, or see how long your money will last.
- Debt-to-Income (DTI)Calculate your front-end and back-end debt-to-income (DTI) ratio and see how it compares to common mortgage-lending guidelines.
- RefinanceCompare your current loan against a refinance offer — monthly savings, break-even on closing costs, and lifetime interest.
- Debt PayoffCompare the debt avalanche and debt snowball payoff strategies across multiple debts — months to debt-free and total interest, side by side.
- Credit Card PayoffFind out how long it will take to pay off a credit card at your current payment, or what payment you need to hit a payoff goal.
- Credit Card Minimum PaymentSee how long it really takes to pay off a card paying only the issuer's minimum payment — a required amount that shrinks as the balance does — versus paying a fixed amount instead.
- Return on Investment (ROI)Calculate the return on an investment as a percentage, net profit, and (given a holding period) its annualized rate of return.
- Dollar-Cost Averaging (DCA)See what a fixed recurring investment actually bought given real, uneven prices across periods -- your average cost per share, total shares, and gain or loss at a current price.
- Stock Average (Cost Basis)Find the quantity-weighted average cost per share across separate purchases of the same stock made at different amounts and prices, plus your gain or loss at a current price.
- MarginFind profit margin, markup, and profit from cost and selling price — or solve for whichever one you don't already know.
- Gross RevenueTotal your gross revenue across multiple products or services, and see how it compares to a prior period.
- Break-Even PointFind how many units you need to sell — and how much revenue that takes — before your fixed costs are fully covered.
- DepreciationBuild a straight-line or double-declining-balance depreciation schedule for a business asset, from its cost, salvage value, and useful life.
- Payback PeriodFind how long it takes an investment's cash flows to pay back its initial cost, from a uniform or year-by-year cash flow.
- PMIEstimate your monthly private mortgage insurance (PMI) cost, and how long you'll owe it before your loan balance reaches 78% of the home's value.
- Mortgage PointsFind out whether paying discount points to buy down your mortgage rate is worth it, and how many months it takes to break even on the upfront cost.
- Loan-to-Value (LTV)Calculate your current loan-to-value ratio and equity position from a property value and loan balance, and see how it compares to common PMI and refinance thresholds.
- Debt ConsolidationSee whether rolling your existing debt into one new consolidation loan actually saves money, comparing monthly payment and total interest against your current payoff pace.
- Credit Card Balance TransferSee whether moving a credit card balance onto a promotional low/0% APR card actually saves money once the transfer fee and post-promo interest are factored in.
- BudgetSplit your monthly take-home income into needs, wants, and savings using the 50/30/20 budgeting rule, and compare it against what you actually spend.
- Net WorthCalculate your net worth by adding up your assets and subtracting your liabilities.
- Net Worth ProjectionProject your net worth forward over time based on your monthly savings and expected investment growth, and see how many years it would take to hit a target.
- Cash FlowAdd up your monthly income and expenses to find your net cash flow -- how much money is actually left over (or short) each month, and over a year.
- EBITDA & EBITDA MarginCalculate EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) and EBITDA margin by building up from net income.
- Rule of 40Calculate the Rule of 40 score (revenue growth rate plus profit margin) used to gauge SaaS and subscription business health.
- HSA ContributionFind out how much you can still contribute to your Health Savings Account this year, based on the IRS annual limit for your coverage type.
- Reverse MortgageEstimate how much cash you could access through a reverse mortgage (HECM), based on your home's value, your age, and any existing mortgage balance.
- Simple InterestCalculate simple (non-compounding) interest on a principal amount over a given time period.
- CommissionCalculate commission earned from a sale, plus total pay if you also have a base salary.
- Present ValueFind what a future amount of money is worth today, discounted at a given annual rate.
- AnnuityFind the ending balance of a growing annuity, or the lump sum needed today to fund a fixed annual payout for a set number of years.
- BondCalculate a bond's fair price from its face value, coupon rate, market yield, and years to maturity.
- Annual Percentage Rate (APR)Find a loan's true effective annual rate once fees and closing costs are folded in, not just its stated interest rate.
- Internal Rate of Return (IRR)Find an investment's internal rate of return — the annual return implied by its own cash flows.
- Net Present Value (NPV)Find what a series of future cash flows is worth today at a discount rate you choose — and whether the investment is worth pursuing.
- Roth vs. Traditional IRACompare a Traditional IRA (taxed on withdrawal) against a Roth IRA (taxed upfront, tax-free withdrawal) to see which nets more money in retirement.
- Roth IRA Contribution LimitFind out how much you can actually contribute to a Roth IRA this year based on your income -- the phase-out that eventually eliminates eligibility for higher earners.
- IRA ContributionFind out how much of your Traditional IRA contribution is actually tax-deductible -- a deduction that phases out above IRS-published income thresholds only if you or your spouse are covered by a workplace retirement plan.
- Backdoor RothFind out how much of a backdoor Roth conversion is actually taxable -- the IRS pro-rata rule can tax most of it if you have any other pre-tax Traditional IRA money.
- Roth ConversionSee whether converting an existing Traditional IRA/401(k) balance to a Roth account now is worth the tax you would pay today.
- Required Minimum Distribution (RMD)Find the IRS Required Minimum Distribution you must withdraw each year from a Traditional IRA or 401(k).
- PensionEstimate a defined-benefit pension payout from your years of service, benefit multiplier, and final average salary.
- Social Security Claiming AgeSee how claiming Social Security earlier or later than your Full Retirement Age changes your monthly benefit.
- Social Security Break-Even AgeCompare two Social Security claiming ages and find the exact age at which the later, larger benefit catches up to the earlier, smaller one in total lifetime payments.
- Estate TaxEstimate federal estate tax liability on the portion of an estate above the current exemption amount.
- Student LoanEstimate your student loan payment including deferment interest that capitalizes into your principal once repayment begins.
- College CostProject a college's future cost using a tuition inflation rate, and find the monthly savings needed to cover it.
- 529 College Savings PlanProject your 529 plan balance from a real contribution plan, and estimate the state income tax deduction many 529 plans offer.
- Hiring CostFind the true cost of a new hire beyond their salary — employer payroll taxes, benefits, onboarding, and overhead included.
- SaaS MetricsTurn your revenue per customer, churn, gross margin, and acquisition cost into LTV, CAC payback period, and the LTV:CAC ratio.
- Accounts Receivable Days (DSO)Find your Days Sales Outstanding (DSO) -- on average, how many days it takes to collect payment after a credit sale -- from your receivables and credit sales.
- Operating LeverageFind your Degree of Operating Leverage (DOL) -- how sensitive your operating income is to a change in sales, given your fixed and variable costs.
- Equity DilutionFind your new ownership percentage after a startup funding round, given your current stake and the round's pre-money valuation and raise amount.
- SaaS ChurnFind your customer churn rate and retention rate from raw customer counts -- how many you started with, and how many you lost.
- Inventory TurnoverFind your inventory turnover ratio and Days Inventory Outstanding (DIO) -- how many times you sell through inventory, and how long it sits before selling.
- Customer Acquisition Cost (CAC)Calculate your Customer Acquisition Cost (CAC) -- total sales and marketing spend divided by the number of new customers acquired.
- Startup RunwayFind how many months of cash your business has left at its current burn rate, and the projected date it runs out.
- Emergency FundFind how many months of expenses your current savings covers, your target fund size, and how long it takes to close the gap.
- Rule of 72Use the classic Rule of 72 mental-math shortcut to estimate how long an investment takes to double — or what rate it takes to double in N years.
- Credit Utilization RatioFind your credit utilization ratio and where it falls against commonly-cited credit-score guidance.
- Dividend YieldFind a stock's dividend yield from its annual dividend per share and current price, plus your total annual income from shares owned.
- Dividend Reinvestment (DRIP)Project a dividend-paying stock forward and see how much reinvesting every dividend into more shares grows your position compared to receiving the dividends as cash.
- Freelance Hourly RateFind the hourly rate you need to charge to hit a target income, based on realistic billable hours and business expenses.
- Overtime PayCalculate gross pay from regular and overtime hours worked, at time-and-a-half or any other overtime multiplier.
- Pay RaiseFind your new pay from a raise percentage or a flat raise amount -- works for hourly, weekly, monthly, or annual pay.
- Severance PayEstimate total severance pay from years of service, your employer's weeks-per-year policy, and your weekly pay.
- Startup CostEstimate the total one-time capital you need to launch a small business.
- Wedding BudgetSplit your total wedding budget into a suggested breakdown by category, and see your cost per guest.
- Baby's First Year CostEstimate a baby's total cost for the first year -- one-time gear, monthly recurring costs, and medical expenses -- from whichever fields apply to you.
- Grocery BudgetEstimate a monthly grocery budget for your household size, based on the USDA's own published Food Plans spending tiers.
- Job Offer ComparisonCompare two job offers on total compensation -- first-year (including any signing bonus) and ongoing annual pay.
- Employee Turnover CostEstimate the total cost of an employee leaving -- lost productivity while the role sits vacant, plus recruiting and training costs for their replacement.
- Moving Cost & BoxEstimate your moving cost by home size and move type (local hourly labor or long-distance mileage), plus how many boxes you'll likely need.
- Household ProfileCombine every income and monthly debt in your household into one total -- the starting point for the Major Purchase Decision Journey.
- Decision ExplorerCompare buying a house, buying a car, doing both, or saving instead against your household's real combined income and debt -- the second step of the Major Purchase Decision Journey.
Guided Journeys
Some of these calculators are also part of a guided journey — a connected chain that carries your numbers forward automatically. A journey may include steps from other categories too.
Home Buying Journey
Start Journey →Buying a home means juggling several numbers at once: your take-home pay, how much house that actually affords, what the monthly mortgage payment will really cost, and whether your other debts leave enough room for a lender to approve you. This journey walks through all four in order, carrying each answer into the next calculator so you never have to look up or retype a figure you've already given us.
- Estimate Your Take-Home Pay
- See How Much Home You Can Afford
- Calculate Your Monthly Payment
- Check Your Debt-to-Income Ratio
Personal Finance Journey
Start Journey →Your paycheck is the starting point for almost every other financial decision: how much tax you'll actually owe for the year, and how much you can realistically set aside for retirement. This journey carries your income (and what's left after tax) forward through each step, ending with a suggested retirement contribution based on what you actually take home, not just your gross salary.
- See Your Take-Home Pay
- Estimate Your Full-Year Tax Liability
- Project Your Retirement Savings
Car Buying Journey
Start Journey →Buying a car involves more than just the sticker price: you need a realistic monthly payment, a clear answer on whether a cash rebate or a low promotional rate actually saves you more, and a sense of what the vehicle will cost to fuel once it's yours. This journey starts with the loan payment, carries the same vehicle price into the rebate-vs-low-rate comparison so you don't have to look it up twice, then estimates what a typical trip or commute will cost in fuel using the vehicle's known fuel economy -- its window-sticker MPG rating, or your own real-world figure if you already have one.
- Estimate Your Car Loan Payment
- Compare Rebate vs. Low-Interest Financing
- See What It Will Cost You in Fuel
Major Purchase Decision Journey
Start Journey →A house and a car are the two biggest purchases most households make, and deciding between them (or both, or neither) needs your REAL combined numbers, not a guess. This journey starts by adding up every income and monthly debt in your household into one total, then carries that total into a comparison of four options — House, Car, Both, or Neither — checking each one (and the combined Both payment specifically) against your household's actual debt-to-income capacity, so you find out up front if you can genuinely afford both at once rather than assuming two individually-affordable payments simply add up.
- Build Your Household Profile
- Compare House vs. Car vs. Both vs. Neither