Financial Calculators

Estimate monthly mortgage payments, total interest, and amortization.

Monthly payment, total interest, and full amortization, with an extra-payment simulator.

Real car payment with sales tax, trade-in credit, fees, and full amortization.

Simple vs compound interest, side-by-side, with year-by-year growth.

Fixed-rate monthly loan payment from amount, APR, and term, instantly.

Project your nest egg, real value after inflation, and 4%-rule monthly income.

Full month-by-month loan schedule with principal, interest, and balance for every payment.

Solve for any of future value, starting amount, monthly contribution, rate, or years.

Convert any U.S. dollar amount between any two years (1913–today) using BLS CPI-U data.

Five-way Time Value of Money solver: pin any four of PV, FV, PMT, Rate, N and get the fifth.

U.S. federal tax with 2026 brackets, all filing statuses, and bracket-by-bracket math.

See savings grow with compounding and recurring contributions.

Convert pay between hourly, weekly, biweekly, monthly, and annual.

Back-solve the APR of a loan from principal, monthly payment, and term, with a 1-point comparison card.

Add or back out U.S. sales tax: by state, rate, or receipt total.

Split bills, calculate the right gratuity, and see total per person instantly.

Real-time currency converter for 22 global currencies: USD, EUR, GBP, JPY, ILS and more.

See exactly how much time and interest an extra monthly payment saves on your mortgage.

Project your 401(k) balance at retirement with employer match, salary raises, and compound growth.

Maximum home price your income comfortably supports: 28/36 rule, DTI ratio, monthly payment.

Project long-term savings growth from an initial deposit, monthly contributions, and compound interest.

Determine an affordable monthly rent based on your income.

Compare U.S. federal tax filing married vs. single, the marriage penalty / bonus.

Estimate U.S. federal estate tax on a decedent's gross estate.

Project monthly pension payouts based on years of service and final salary.

Estimate Social Security retirement benefits at full, early, and delayed retirement age.

Calculate the future value of a fixed-rate annuity. See how regular payments and compound growth build your balance over time.

Fixed periodic income from a lump sum: monthly, quarterly, or annual, with a full year-by-year drawdown schedule.

Compare the minimum payment to a fixed monthly plan. See your payoff date and the interest you'll save.

Multi-card payoff strategy with snowball or avalanche methods.

Months to debt freedom with a fixed monthly payment.

Compare your current multiple debts against a single consolidation loan, showing monthly savings, total interest savings, and whether consolidation truly helps.

Calculate monthly repayments for a fixed loan over any term.

Monthly payment, total interest, and a year-by-year payoff plan with optional grace period.

Total cost of a college degree including tuition, room and board, and inflation.

Compute simple (non-compound) interest on a principal over time.

Project your Certificate of Deposit's maturity value, total interest, and APY vs. nominal rate.

Convert any nominal interest rate (APR) to its true Annual Percentage Yield (APY) across all compounding frequencies: daily, monthly, quarterly, and more.

Calculate bond price from yield to maturity, or find YTM from a market price. Includes current yield, Macaulay & modified duration, total return, and full coupon schedule.

Project mutual fund growth and see the true long-run cost of your fund's expense ratio, the fee drag that compounds against you over time.

Project your Roth IRA to retirement and see the real dollar value of tax-free growth versus a taxable account or Traditional IRA.

Project your Traditional IRA balance at retirement, see your tax deduction value, estimate your Required Minimum Distribution at 73, and compare Traditional vs. Roth side-by-side.

Calculate your Required Minimum Distribution by age using the IRS Uniform Lifetime Table. Instant year-by-year projection for Traditional IRA, 401(k), and other pre-tax accounts.

Add or remove value-added tax for any country's rate.

Compare a dealer cash-back rebate against a low-APR financing offer and see which deal actually saves you more money.

Estimate your monthly car lease payment from MSRP, negotiated price, money factor (or APR), and residual value, with depreciation vs finance breakdown.

Calculate asset depreciation using straight-line, double declining balance, and sum-of-years' digits, with full year-by-year schedules.

Arithmetic mean, geometric mean (CAGR), and volatility drag from a series of annual investment returns.

Profit margin and markup from cost and selling price.

Sale price after a percentage discount, with savings and tax.

Calculate your monthly payment, total interest, effective APR, and DSCR for any small-business or SBA loan.

Calculate your front-end and back-end DTI ratios, see which loan programs you qualify for, and find out how much monthly debt headroom you have before hitting lender limits.

Cap rate, NOI, and cash-on-cash return for an investment property.

Capitalization rate, NOI, and annual cash flow for any rental property.

Net pay after federal, state, and FICA, with a paystub-style breakdown for any US salary or hourly rate.

Calculate monthly payment, total interest, and full amortization schedule for any fixed-rate unsecured personal loan. Includes origination fee, extra-payment savings, and credit-score rate tiers.

Calculate your monthly boat loan payment, total interest, and full amortization schedule, with trade-in, sales tax, and doc fees included.

Monthly lease payment from asset cost, residual value, rate, and term, with full amortization schedule and term comparison.

Compare refinancing your mortgage against keeping the current loan. Monthly savings, exact break-even month, and net lifetime savings after closing costs.

Plan a monthly budget using the 50/30/20 rule, with fine-tune sliders for needs, wants, and savings.

Analyse any buy-and-hold rental investment: monthly cash flow, cap rate, cash-on-cash return, and a year-by-year projection of equity and total return.

Internal rate of return for an arbitrary cash-flow stream.

Total ROI, annualized CAGR, and total profit from any investment.

Calculate the true APR on any loan: mortgage, auto, or personal. Includes discount points, origination fees, and all closing costs. See the rate spread and whether buying points pays off.

FHA mortgage payment with mortgage insurance premium baked in.

Calculate your VA loan monthly payment with the one-time VA funding fee, property taxes, insurance, and HOA. Supports 0% down, both service types, first vs. subsequent use, fee exemptions, and financing the funding fee into your loan.

Home equity loan payment from current home value and balance.

Home Equity Line of Credit draw, payment, and interest projection.

Down payment savings goal for a target home price.

Year-by-year wealth comparison of renting and investing vs. buying a home, with the break-even year.

How many years it takes for an investment to recover its initial cost from annual cash flows.

Present value of a future sum at a given discount rate.

Future value of money compounded at a given rate over time.

Calculate sales commission for any deal with flat or tiered bracket rates. Shows commission earned, effective rate, net proceeds, tier-by-tier breakdown, and a deal multiplier for monthly or annual projections.

UK mortgage repayment, total interest, and full upfront cost including Stamp Duty (SDLT) for first-time buyers and home movers.

Calculate your Canadian mortgage payment using the legally mandated semi-annual compounding formula, with full CMHC insurance, mortgage term vs. amortization, and accelerated payment savings.

Detailed monthly mortgage amortisation schedule with principal/interest split.

Calculate the final sale price from any percentage off, or reverse-find the original price from a sale price. Visual savings bar, multi-price reference table, and optional sales tax.