• 01

  Mortgage

  Calculate your monthly mortgage payment, total interest, and see a full amortization schedule. Free, accurate, and runs in your browser.

  Calculate →
• 02

  Auto Loan

  Calculate your monthly car payment, total cost, and full repayment schedule for any auto loan. Free and accurate.

  Calculate →
• 03

  Compound Interest

  Calculate how your savings or investment grows with compound interest. See the impact of compounding frequency and regular contributions.

  Calculate →

• 01 401k Early Withdrawal Penalty Calculate the true cost of an early 401(k) withdrawal — see the 10% penalty, estimated federal taxes, and the net amount you actually receive. Financial →
• 02 Alimony Estimate monthly spousal support using the income gap model — enter both spouses' gross incomes and marriage length to get a ballpark alimony estimate. Educational purposes only; consult a family law attorney. Financial →
• 03 Annuity Calculate the present value, future value, or payment for an ordinary annuity or annuity-due. Supports monthly, quarterly, semi-annual, and annual frequencies. Financial →
• 04 APY to APR Convert between APY and APR for any compounding frequency. See the effective annual rate and the compounding premium for savings accounts, CDs, and loan comparisons. Financial →
• 05 Auto Loan Calculate your monthly car payment, total cost, and full repayment schedule for any auto loan. Free and accurate. Financial →
• 06 Bond Yield Calculate current yield, yield to maturity (YTM), and yield to call (YTC) for any bond. Uses semiannual compounding per US bond market convention. Financial →
• 07 Break-Even Calculate your break-even point in units and revenue from fixed costs, price per unit, and variable cost per unit. Financial →
• 08 Budget Calculator (50/30/20) Allocate your monthly or annual income using the 50/30/20 budgeting rule — 50% needs, 30% wants, 20% savings and debt — or set a custom split. Financial →
• 09 Business Valuation Estimate your business value using the SDE or EBITDA multiple method — enter annual earnings and a valuation multiple to see enterprise value, equity value, and a ±0.5× sensitivity range. Educational estimate; consult a CVA for a formal appraisal. Financial →
• 10 Capital Gains Tax Estimate your federal capital gains tax on the sale of a stock or asset — short-term vs. long-term rates, plus the 3.8% Net Investment Income Tax (NIIT) for 2026. Financial →
• 11 Car Depreciation Calculate how quickly your car loses value year by year using declining-balance or straight-line depreciation, and see the total loss over your ownership period. Financial →
• 12 Car Lease Calculate your estimated monthly car lease payment from MSRP, selling price, residual value, money factor, and lease term. Financial →
• 13 CD APY Calculate the maturity value and interest earned on a certificate of deposit, or convert a nominal APR to APY based on compounding frequency. Financial →
• 14 Charitable Deduction Estimate your federal tax savings from charitable donations — enter your AGI, filing status, cash and property donations, and other itemized deductions to see your tax savings, effective donation cost, and whether itemizing makes sense. 2026 tax rules. Financial →
• 15 Child Support Estimate monthly child support using the Income Shares Model — enter both parents' gross incomes, number of children, and add-on costs for a US-national approximation. Results are educational, not legal advice. Financial →
• 16 College Savings Calculate the monthly contribution needed to reach a college cost target by enrollment, given your current savings and expected investment return. Financial →
• 17 Compound Interest Calculate how your savings or investment grows with compound interest. See the impact of compounding frequency and regular contributions. Financial →
• 18 Cost Per Use Calculate the true cost per use of any item and optionally compare two items to find the better value. Financial →
• 19 Credit Card Minimum Payment See how long it takes to pay off a credit card balance with minimum-only payments and how much interest you will pay in total. Financial →
• 20 Debt / Credit Card Payoff Find out exactly how long it will take to pay off your debt and how much interest you'll pay. Compare minimum payments vs. fixed payments. Financial →
• 21 Debt-to-Income Ratio Calculate your front-end and back-end debt-to-income (DTI) ratio to see if you qualify for a mortgage or other loan. Includes lender tier guidance. Financial →
• 22 Dividend Yield Calculate dividend yield, yield on cost, annual income, and monthly income from a dividend-paying stock or ETF. Financial →
• 23 Emergency Fund Calculate how large your emergency fund should be and how long it will take to reach your target based on monthly expenses, coverage goal, and monthly savings. Financial →
• 24 Employee Stock Option Estimate your net proceeds from exercising ISO or NSO stock options — enter strike price, current FMV, sale price, and tax rates to see exercise cost, AMT (ISO), ordinary income tax (NSO), capital gains tax, and net profit. Consult a CPA before exercising. Financial →
• 25 Escrow Calculate your monthly escrow payment for property tax and homeowner's insurance. Add your P&I payment to see your full PITI mortgage payment in seconds. Financial →
• 26 Estate Tax Estimate federal US estate tax using the 2026 exemption ($7,000,000) and 40% tax rate — enter gross estate, deductions, and liabilities to see your taxable estate and estimated tax. For planning only; consult an estate attorney. Financial →
• 27 FIRE Calculate your FIRE number, years to financial independence, and FI age based on your savings, expenses, contributions, and expected real return. Financial →
• 28 Home Affordability Find out how much house you can afford using the 28/36 DTI rule — enter your income, debts, down payment, rate, and term. Financial →
• 29 Home Equity Calculate your current home equity, loan-to-value (LTV) ratio, and how much equity you can access through a HELOC or cash-out refinance at an 80% LTV threshold. Financial →
• 30 HSA Contribution Calculate your 2026 HSA contribution limit and project your future balance — enter your coverage type, age, and months enrolled in an HDHP. Financial →
• 31 Income Tax Withholding Estimate your federal income tax withheld per paycheck using 2026 IRS Publication 15-T tables — enter gross pay, pay frequency, filing status, and W-4 steps 2–4 to see per-period and annual withholding. For federal tax only. Financial →
• 32 Inflation Calculate the equivalent buying power of a dollar amount between any two years from 1913 to 2024 using historical US BLS CPI-U data. Financial →
• 33 Investment / ROI Calculate your return on investment (ROI), net gain, and annualized return for any investment. Free and instant. Financial →
• 34 Lease vs. Finance Compare the true cost of leasing vs. buying a car over the same period. Correctly nets the financed vehicle's resale value — the most common mistake in online calculators. Financial →
• 35 Life Insurance Needs Calculate how much life insurance you need using the DIME method — Debt, Income replacement, Mortgage, and Education costs — plus final expenses and existing coverage. Financial →
• 36 Loan Payoff Extra Payment Calculate how extra monthly payments reduce payoff time and total interest on any installment loan — auto, personal, or student. Financial →
• 37 Mortgage Calculate your monthly mortgage payment, total interest, and see a full amortization schedule. Free, accurate, and runs in your browser. Financial →
• 38 Mortgage Payoff See how extra monthly principal payments reduce your mortgage payoff time and total interest paid. Financial →
• 39 Mortgage Points Calculate whether buying discount points makes financial sense — compare the upfront cost of points against monthly savings to find your break-even timeline. Financial →
• 40 Net Pay Raise Find out how much a salary raise actually adds to your take-home pay after federal income tax and FICA. See the annual, monthly, and biweekly net increase. Financial →
• 41 Net Worth Calculate your net worth by subtracting your total liabilities from your total assets. See your financial snapshot in seconds. Financial →
• 42 NPV Calculator (Net Present Value & IRR) Calculate net present value (NPV), internal rate of return (IRR), and payback period for any investment with multiple future cash flows. Financial →
• 43 Overdraft Fee See how much overdraft fees cost you per year — enter your per-event fee, overdraft frequency, and extended fee details to see total annual cost, APR-equivalent rate, and savings from switching to overdraft protection. Financial →
• 44 Overtime Pay Calculate your total pay including overtime earnings at 1.5× or 2× multipliers. Enter your base rate, regular hours, and overtime hours to see a full pay breakdown. Financial →
• 45 Payback Period Calculate how many years it takes to recover a capital investment. Find both simple payback period and discounted payback period (NPV-based) with a year-by-year table. Financial →
• 46 Payroll Tax Calculate employee and employer FICA payroll taxes — Social Security (6.2%), Medicare (1.45%), Additional Medicare Tax (0.9%) — for W-2 employees and self-employed individuals. Uses 2026 rates. Financial →
• 47 Personal Loan Calculate monthly payments, total interest, and amortization for any personal or installment loan. Free and instant. Financial →
• 48 Portfolio Rebalancing Calculate exactly how much to buy or sell in each asset class to rebalance your portfolio to target allocations. Supports up to 25 asset classes. Financial →
• 49 Profit and Loss Calculate gross profit, net profit, and profit margin percentages from revenue, cost of goods sold, and operating expenses. Financial →
• 50 Refinance See if refinancing makes sense — compare your current mortgage to a new loan, calculate your break-even point, and total savings. Financial →
• 51 Rent vs. Buy Should you rent or buy a home? This calculator uses a year-by-year simulation with PMI auto-removal, home appreciation, and opportunity cost of the down payment to find the true break-even year. Financial →
• 52 Rental Property Cash Flow Calculate monthly and annual rental property cash flow, NOI, and cash-on-cash return. Enter rent, vacancy, purchase price, financing, and operating expenses for a complete landlord analysis. Financial →
• 53 Rental Yield Calculate gross yield, net yield, cap rate, cash-on-cash return, and the 1% rule for any rental property. Computes your mortgage payment automatically from loan amount, rate, and term. Financial →
• 54 Required Minimum Distribution (RMD) Calculate your annual RMD from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table. Enter your account balance and age to find out how much you must withdraw. Financial →
• 55 Retirement / 401(k) Project your 401(k) or retirement account balance at retirement based on current savings, contributions, employer match, and expected growth. Financial →
• 56 Reverse Mortgage Estimate your HECM reverse mortgage proceeds — principal limit, net available lump sum, and estimated monthly tenure payment — based on your home value, age, and current interest rate. Financial →
• 57 Roth IRA Contribution Limit Find your 2026 Roth IRA contribution limit after the MAGI phase-out — enter your income, filing status, and age. Financial →
• 58 Salary to Hourly Convert an annual salary to an hourly rate. Adjust hours per week and weeks per year for part-time, contract, or full-time schedules. Includes weekly, biweekly, and monthly pay breakdowns. Financial →
• 59 Sales Tax Calculate sales tax and total purchase price instantly. Enter any price and tax rate — or reverse-calculate the pre-tax price. Financial →
• 60 Savings Bond Estimate the projected value of US Series I Bonds and EE Bonds — enter purchase amount, hold period, and bond type to see projected growth, interest earned, and effective APY. Rates updated May 2025. Financial →
• 61 Savings Goal Calculate the monthly, quarterly, or annual contribution needed to reach a savings target by a specific date, given an interest rate. Financial →
• 62 Savings Rate Calculate your savings rate as a percentage of gross or net income, and see how many years you need to reach financial independence. Financial →
• 63 Scholarship Savings Calculate how much to save monthly in a 529 plan to cover college costs after expected scholarships and grants — enter total cost, aid, current savings, years, and growth rate to see your monthly savings target. Financial →
• 64 Self-Employment Tax Calculate your self-employment (SE) tax and above-the-line deduction for freelancers, sole proprietors, and independent contractors. Uses 2026 IRS FICA rates. Financial →
• 65 Simple Interest Calculate simple interest earned or charged on a loan or deposit using the formula I = P × r × t. Financial →
• 66 Social Security Find your monthly Social Security benefit at any claiming age from 62 to 70, and discover when claiming later pays off with a nominal breakeven analysis. Financial →
• 67 Stock Average Calculator (Cost Basis) Calculate the average cost per share across multiple stock purchases (lots), grouped by ticker. Enter each lot's ticker, price, and share count to find your weighted average cost basis, plus per-ticker and portfolio unrealized gain or loss. Financial →
• 68 Take-Home Paycheck Calculate your net take-home pay after federal income tax, Social Security, and Medicare. Enter your gross pay, filing status, and deductions. Financial →
• 69 Tax Bracket Find your federal income tax bracket, marginal rate, effective rate, and total tax owed for 2026 — with a full per-bracket breakdown. Financial →