Finance Calculators
Money math made simple: loans, interest, savings, tax and retirement calculators with clear breakdowns.
401(k) Calculator
Project your 401(k) balance with employer match. Enter salary, contribution, match and return to see your contributions, the match and growth over time.
50/30/20 Budget Calculator
Split your monthly take-home pay with the 50/30/20 rule. See dollar amounts for needs, wants and savings each month and year. Free and private.
Amortization Schedule Calculator
Build a full loan amortization schedule. Enter the amount, rate and term to see each month's payment, principal, interest and balance, plus total interest.
Annuity Calculator
Calculate the present and future value of an annuity. Enter a payment, rate per period and number of periods for ordinary or annuity due timing.
APR to APY Calculator
Convert APR to APY or APY to APR for any compounding frequency. Enter a rate and how often it compounds to see the effective annual yield.
APY Calculator
Convert APR to APY and back. Enter a nominal annual rate and a compounding frequency to see the effective annual yield, with the inverse conversion too.
Auto Lease Calculator
Estimate your monthly car lease payment from the negotiated price, residual, money factor and term. See depreciation, finance charge and total lease cost.
Balloon Payment Calculator
Calculate the balloon payment on a loan. Enter the amount, rate, amortization term and balloon term to see the monthly payment and final lump sum due.
Bill Split Calculator
Free bill split calculator. Enter the bill, add tax and tip, set how many people are paying and see the total and the exact amount each person owes.
Biweekly Mortgage Calculator
Compare biweekly mortgage payments to monthly. Enter the balance, rate and term to see your biweekly payment, years saved and total interest saved.
Black-Scholes Calculator
Price European call and put options with the Black-Scholes model. Get the fair value plus delta, gamma, theta, vega and rho from your own inputs.
Bond Duration Calculator
Calculate Macaulay duration, modified duration, convexity and DV01 from a bond's coupon, yield and maturity, with a full cash flow schedule.
Bond Yield Calculator
Calculate a bond's current yield and approximate yield to maturity. Enter face value, price, coupon rate and years to maturity to compare bond returns.
Bond YTM Calculator
Calculate a bond's yield to maturity from its price, face value, coupon and years left. See YTM, current yield and whether it trades at a discount or premium.
Budget Planner
Plan a monthly budget with the 50/30/20 rule. Enter your income and expenses to see needs, wants and savings versus the recommended split.
CAGR Calculator
Calculate the compound annual growth rate of an investment. Enter the beginning value, ending value and number of years to get CAGR instantly.
Cap Rate Calculator
Calculate the capitalization rate of a rental property. Enter net operating income and value to get the cap rate, or solve for value or NOI instantly.
Capital Gains Tax Calculator
Estimate 2025 US capital gains tax on a sale. Enter buy and sell prices, holding period, income and filing status to see your gain, rate and net proceeds.
Car Loan Calculator
Estimate your monthly car payment. Enter the vehicle price, down payment, trade-in, interest rate and term to see the loan amount and total interest.
Cash Denomination Calculator
Break any dollar amount into the fewest bills and coins. Great for cash drawers, making change and counting a till. Free, fast and private.
Cash on Cash Return Calculator
Calculate the cash on cash return on a rental property. Enter annual or monthly cash flow and total cash invested to get the pre-tax return as a percent.
CD Ladder Calculator
Build a CD ladder online. Split your cash across rungs with their own term and APY to see each maturity value, total interest and a blended APY.
Closing Cost Calculator
Estimate closing costs on a home purchase. Enter the price, a percentage and any flat fees to see the total closing cost and the share of the price it is.
Closing Costs Calculator
Estimate mortgage closing costs from your home price and loan amount. See a line-item breakdown of origination, title, appraisal and recording fees.
College Savings Calculator
Project a 529 plan. Enter your child's age, current savings, monthly contribution and college costs to see your funding gap and monthly target.
Compound Interest Calculator
Calculate compound interest online. Enter a principal, rate, term and compounding frequency to see the final amount, total interest and year by year growth.
Cost Per Use Calculator
Work out the true cost per use or cost per wear of any purchase. Project lifetime uses and compare items to find the best value. Free and private.
Credit Card Payoff Calculator
Find out how many months it takes to pay off a credit card and the total interest. Enter your balance, APR and monthly payment to see the plan.
Crypto Cost Basis Calculator
Work out the cost basis and capital gain on a crypto sale. Add your buys, set the sale, and compare FIFO, LIFO, HIFO and average cost methods.
Debt Avalanche Calculator
Plan a debt avalanche payoff. Add your debts and an extra payment to see the order, months to debt-free and the interest you save over the snowball.
Debt Payoff Calculator
Compare the debt snowball and avalanche methods. Add your balances, rates and an extra payment to see months to debt free and total interest.
Debt Snowball Calculator
Build a debt snowball plan. Add your debts and an extra payment to see the payoff order, how many months to debt-free and total interest paid.
Debt Snowball vs Avalanche Planner
Plan your debt payoff with the snowball or avalanche method. Add balances, rates and an extra payment to see months to debt free and total interest.
Debt to Income Ratio Calculator
Calculate your front-end and back-end debt to income ratio for a mortgage. Enter gross monthly income, housing payment and other debts to get both DTI ratios.
Debt-to-Income Calculator
Calculate your debt-to-income (DTI) ratio. Enter monthly income, housing payment and other debts to see front-end and back-end DTI and how lenders view it.
Dividend Payout Ratio Calculator
Calculate the dividend payout ratio and retention ratio. Enter dividends and earnings per share, or totals, to see what share of profit is paid out.
Dividend Reinvestment Calculator
Calculate how reinvested dividends compound. Enter your investment, dividend yield and time horizon to project the final value, dividends and yearly growth.
Dividend Yield Calculator
Calculate dividend yield from a share price and annual dividend, then see the annual and monthly income your holding would generate.
Dollar Cost Averaging Calculator
Calculate dollar cost averaging returns. Enter a fixed amount and the price each period to see shares bought, average cost, final value and return.
Doubling Time Calculator
Find how long it takes an investment to double at a fixed rate. See the exact compounding result next to the Rule of 72 estimate for any rate of return.
Down Payment Calculator
Work out your home down payment and loan amount. Enter a price and a percent or dollar amount to see the cash needed and whether PMI is likely.
DSCR Calculator
Calculate the debt service coverage ratio for an investment property loan. Enter net operating income and annual or monthly debt service to get the DSCR.
Emergency Fund Calculator
Work out how big your emergency fund should be and how long it takes to get there. Enter monthly expenses, a target and your savings.
EMI Calculator
Calculate your loan EMI online. Enter the loan amount, interest rate and tenure to see the monthly payment, total interest and a yearly schedule.
Expense Ratio Calculator
Calculate the long-term cost of a fund expense ratio. Enter your investment, the expense ratio and an optional return to see the fees you pay over time.
Extra Payment Calculator
See how extra monthly payments shorten your loan and cut interest. Enter the balance, rate, term and extra amount to find months saved and interest saved.
FD Calculator
Calculate fixed deposit maturity online. Enter your deposit amount, interest rate, tenure and compounding to see the maturity value and interest earned.
FIRE Calculator
Work out your FIRE number and years to financial independence. Enter expenses, savings, contributions and return to see lean, regular and fat FIRE targets.
Fix and Flip Calculator
Calculate fix and flip profit and ROI. Enter purchase price, rehab, after repair value, holding and selling costs to see net profit and return on investment.
Freelance Hourly Rate Calculator
Find the hourly rate you must charge as a freelancer to hit your income goal after expenses and tax. Free, private and instant.
Freelance Rate Calculator
Work out the hourly and day rate to charge as a freelancer. Set your target income, expenses, billable hours and tax to see the rate you need.
Fuel Cost Calculator
Estimate the fuel cost of any trip. Enter distance, fuel economy and price to see fuel needed, total cost, cost per mile and a per-person split.
Future Value Calculator
Calculate the future value of a lump sum plus monthly contributions. Enter a present value, rate, term and frequency to see growth and total interest.
Gas Trip Cost Calculator
Estimate the fuel cost of any drive. Enter distance, fuel efficiency and price in US or metric units, with a round-trip option. Free and private.
Gross Rent Multiplier Calculator
Calculate the gross rent multiplier of a rental property. Enter the price and annual or monthly rent to get the GRM, plus implied price from a target GRM.
GST Calculator
Free GST calculator. Add GST to a net price or remove GST from a gross price at 5, 12, 18 or 28 percent and see the net, tax and total instantly.
Home Affordability Calculator
Find out how much house you can afford. Enter income, debts, down payment and rate to estimate your max home price, loan amount and monthly payment.
Home Equity Calculator
Calculate your home equity, loan to value and equity percentage. Enter your market value and mortgage balance to see how much of your home you own.
Home Loan Calculator
Calculate your home loan EMI, total interest and total payment. Enter the loan amount, interest rate and tenure to see a yearly amortization schedule.
Hourly to Salary Calculator
Convert an hourly wage to a yearly salary. Enter your hourly rate, hours per week and weeks per year to see annual, monthly, biweekly and weekly pay.
HSA Calculator
Estimate your Health Savings Account tax savings and future balance. Enter contributions, tax rate, years and return to see growth and total tax saved.
Income Tax Calculator
Estimate your 2025 US federal income tax. Enter income and filing status to see taxable income, tax owed, effective rate and take-home pay.
Inflation Calculator
See how inflation raises prices and erodes purchasing power. Enter an amount, an average annual rate and the years to get the future cost and real value.
IRR Calculator
Calculate the internal rate of return of a cash flow series. Enter each period's cash flow to find the discount rate that sets net present value to zero.
Loan Calculator
Free loan calculator. Enter the amount, interest rate and term in years or months to see your monthly payment, total interest and a full payoff schedule.
Loan Comparison Calculator
Compare two or three loan offers side by side. Enter each amount, rate, term and fees to see the monthly payment, total interest and true total cost.
Loan Payoff Calculator
See how long it takes to pay off a loan and the total interest, given a fixed monthly payment. Enter the balance, APR and payment to get an instant answer.
Loan-to-Value Calculator
Calculate the loan-to-value (LTV) ratio for a mortgage. Enter the loan amount and property value to get LTV and the down payment, or solve for any field.
Lumpsum Calculator
Calculate the future value of a one-time investment. Enter the amount, expected annual return and years to see the maturity value, invested amount and gains.
Mortgage Affordability Calculator
See how much house you can afford. Enter income, debts, down payment, rate and term to estimate your max home price using the 28/36 rule.
Mortgage Calculator
Estimate your monthly mortgage payment. Enter home price, down payment, interest rate and term to see principal, interest and a full amortization table.
Mortgage Payoff Calculator
See how much faster you pay off your mortgage and how much interest you save by adding extra to your monthly payment. Enter your balance, rate and term.
Mortgage Recast Calculator
See your new payment after a mortgage recast. Apply a lump sum and re-amortize over the same term to find your monthly savings and interest saved.
Net Worth Calculator
Calculate your net worth in seconds. List your assets and liabilities to see total assets, total debts and your net worth, with live totals.
NPV / IRR Calculator
Calculate net present value and internal rate of return from a series of cash flows. Enter each year's amount and a discount rate to see NPV and IRR.
NPV Calculator
Calculate net present value from a cash flow series. Set a discount rate, enter each year's cash flow starting with the outlay, and see the value created.
Options Profit Calculator
Calculate profit, loss and breakeven for a single-leg call or put at expiration. See max profit, max loss and a full payoff table across prices.
Paycheck Calculator
Estimate your 2025 take-home pay. Enter salary, filing status and pay frequency to see federal tax, Social Security and Medicare per paycheck.
Personal Loan Calculator
Calculate your personal loan monthly payment, total interest and payoff. Enter the loan amount, interest rate and term in months to see a full breakdown.
Present Value Calculator
Calculate the present value of a future sum of money. Enter the future amount, a discount rate, term and frequency to see today's value and the discount.
Price Per Square Foot Calculator
Find price per square foot or square meter, or work backward to a total. Compare homes, rentals and commercial space fairly. Free and private.
Price-to-Rent Ratio Calculator
Calculate the price-to-rent ratio to compare buying and renting. Enter a home price and rent to see the ratio and whether buying or renting looks better.
Property Appreciation Calculator
Estimate the future value of a home with annual appreciation. Enter the value, a yearly rate and the number of years to see growth in dollars and percent.
Property Tax Proration Calculator
Prorate annual property tax between buyer and seller at closing. Enter the annual tax and days the seller owned the home to split the bill by day.
RD Calculator
Calculate recurring deposit maturity online. Enter your monthly deposit, interest rate and tenure to see the maturity amount, total deposited and interest.
Refinance Breakeven Calculator
See how many months it takes a mortgage refinance to pay for itself. Enter your current loan, the new rate and closing costs to get your breakeven point.
Refinance Calculator
See if refinancing your loan is worth it. Compare monthly payments, find your break-even point on closing costs, and check your lifetime savings.
Rent Increase Calculator
Calculate your new rent after a percentage increase. Enter the current rent and the raise to see the new monthly rent, the dollar increase and the yearly cost.
Rent Proration Calculator
Calculate prorated rent for a partial month by actual days, a flat 30-day month or a yearly daily rate. For move-in and move-out. Free and private.
Rent to Income Ratio Calculator
Work out what share of income goes to rent. Enter monthly rent and gross monthly income to get your rent to income ratio and check the 30 percent rule.
Rent vs Buy Calculator
Compare renting and buying a home over the years you plan to stay. See the total cost of each, the cheaper option and the break-even year.
Rental Property ROI Calculator
Analyze a rental property. Enter price, rent and expenses to see cap rate, cash-on-cash return, monthly cash flow, NOI and total cash invested.
Rental Yield Calculator
Calculate the gross and net rental yield on a property. Enter the value, annual or monthly rent and yearly expenses to get both yields as a percent.
Retirement Calculator
Project your retirement savings from your current pot plus monthly contributions. See the corpus at retirement, total invested and growth from returns.
Retirement Drawdown Calculator
See how long your retirement savings last. Model yearly withdrawals with inflation and returns to find the depletion year and ending balance.
ROI Calculator
Calculate return on investment online. Enter the cost and final value to get your ROI percentage, net profit and an annualized return over any period.
Roth vs Traditional Calculator
Compare Roth and Traditional retirement accounts side by side. Enter your contribution, return and tax rates to see which leaves you more after tax.
Rule of 72 Calculator
Use the Rule of 72 to estimate how long an investment takes to double, or the return rate needed. See the quick estimate next to the exact value.
Safe Withdrawal Rate Calculator
Apply the 4% rule both ways. Find how much you can withdraw from a portfolio, or the nest egg needed for the income you want. Free and private.
Salary to Hourly Calculator
Convert pay between hourly, weekly, monthly and yearly. Enter an amount, pick the period and set your hours per week to see every equivalent.
Sales Tax Calculator
Calculate US sales tax fast. Add tax to a price to get the total, or reverse a tax-inclusive total to find the pre-tax price and tax amount.
Savings Goal Calculator
Find the monthly amount to save to hit a goal. Enter your target, time horizon, expected return and current savings to get the contribution.
Savings Rate Calculator
Find your savings rate and years to financial independence. Enter take-home income and yearly savings to see your FI number and when you can retire.
Sharpe Ratio Calculator
Calculate the Sharpe ratio of a portfolio. Enter the return, risk free rate and standard deviation to measure return earned per unit of risk taken.
Simple Interest Calculator
Calculate simple interest free. Enter principal, annual rate and time in years to see the interest earned and the total amount, with no compounding.
SIP Calculator
Calculate SIP returns online. Enter your monthly investment, expected return and duration to see the future value, total invested and gains.
Stock Average Calculator
Work out the average cost of a stock across multiple buys. Add each purchase to see your cost basis, total shares, and profit or loss.
Stock Profit Calculator
Calculate profit or loss on a stock trade with buy and sell commissions. Get total cost, proceeds, return percent and break-even price. Free and private.
Student Loan Calculator
Free student loan calculator. Enter your balance, interest rate and term to see the monthly payment, total interest and how much an extra payment saves.
Subscription Cost Calculator
Add up the true cost of every subscription. Convert weekly, monthly, quarterly and yearly charges into one monthly and yearly total. Free and private.
SWP Calculator
Calculate a systematic withdrawal plan. Invest a lump sum, withdraw a fixed amount monthly and see your final balance, total withdrawn and if it lasts.
Take Home Pay Calculator
Estimate your net pay from gross income. Enter an effective tax rate and other deductions to see take home pay, tax and deductions, yearly or monthly.
Tip Calculator
Free tip calculator. Enter the bill, pick a tip percent and split between any number of people to see the tip, total and amount each person pays.
VAT Calculator
Add or remove VAT from any price. Enter an amount and a rate to see the net, VAT and gross totals. Works for 5%, 15%, 20% and custom rates.