Finance Calculators
Calculators for everyday money decisions — loans, mortgages, retirement, and debt.
Number of Calculators: 43
- 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.
- LoanCalculate the fixed monthly payment (EMI), total cost, and total interest for a personal, auto, or other fixed-rate installment loan.
- 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.
- Income TaxEstimate your federal income tax liability, effective tax rate, and after-tax income for the year.
- 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.
- 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.
- MarginFind profit margin, markup, and profit from cost and selling price — or solve for whichever one you don't already know.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- Freelance Hourly RateFind the hourly rate you need to charge to hit a target income, based on realistic billable hours and business expenses.
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 walks through the vehicle's real-world fuel economy and what a typical trip or commute will cost in gas.
- Estimate Your Car Loan Payment
- Compare Rebate vs. Low-Interest Financing
- Calculate Your Vehicle's MPG
- See What a Fill-Up Trip Will Cost in Fuel